What we cover

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Injuries we cover

Our no-fault scheme covers everyone in New Zealand if you're injured in an accident. It doesn’t matter who you are or what you were doing when you were injured.
Injuries we don’t cover

Your injury must be because of an accident. We won't cover things like illness, conditions from ageing and emotional issues.
Treatment we can help pay for

ACC can help pay for a range of medical, health and treatment costs if we cover your injury. You may have to pay for part of your treatment costs.
If you're a New Zealander injured overseas

If you’re a New Zealand resident and you return home with an injury that happened overseas, ACC can help cover costs.
If you're a visitor injured in New Zealand

You’ll receive the same ACC cover as everyone else if you have an injury while visiting New Zealand – it doesn’t matter if you’re not a resident.
Using rongoā Māori services

Find out what to do to use rongoā Māori services and what ACC will pay for.

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