16/10/2026
What if what happens to you isn't covered by ACC?
As Kiwis, we're fortunate to have ACC. If you're injured in an accident and your claim meets ACC's criteria, support can include contributions towards treatment, rehabilitation, help at home or work and, if eligible, weekly compensation.
๐๐๐ ๐๐ต๐ฒ๐ฟ๐ฒ'๐ ๐ฎ๐ป ๐ถ๐บ๐ฝ๐ผ๐ฟ๐๐ฎ๐ป๐ ๐ฑ๐ถ๐๐๐ถ๐ป๐ฐ๐๐ถ๐ผ๐ป ๐บ๐ฎ๐ป๐ ๐ผ๐ณ ๐๐ ๐ฑ๐ผ๐ป'๐ ๐๐ต๐ถ๐ป๐ธ ๐ฎ๐ฏ๐ผ๐๐ ๐๐ป๐๐ถ๐น ๐๐ฒ ๐ป๐ฒ๐ฒ๐ฑ ๐ต๐ฒ๐น๐ฝ.
๐๐๐ ๐ถ๐ ๐ฎ๐ป ๐ฎ๐ฐ๐ฐ๐ถ๐ฑ๐ฒ๐ป๐ ๐ฐ๐ผ๐บ๐ฝ๐ฒ๐ป๐๐ฎ๐๐ถ๐ผ๐ป ๐๐ฐ๐ต๐ฒ๐บ๐ฒ, ๐ป๐ผ๐ ๐ฐ๐ผ๐บ๐ฝ๐ฟ๐ฒ๐ต๐ฒ๐ป๐๐ถ๐๐ฒ ๐ฐ๐ผ๐๐ฒ๐ฟ ๐ณ๐ผ๐ฟ ๐ฒ๐๐ฒ๐ฟ๐ ๐ต๐ฒ๐ฎ๐น๐๐ต ๐ฐ๐ผ๐ป๐ฑ๐ถ๐๐ถ๐ผ๐ป ๐ผ๐ฟ ๐ฑ๐ถ๐๐ฎ๐ฏ๐ถ๐น๐ถ๐๐.
If a serious health condition is caused by illness rather than a covered injury, ACC generally won't cover it. And even if you've had an accident previously, a later condition isn't automatically covered simply because that accident occurred. ACC considers whether the claimed injury meets its legislative criteria and, where relevant, whether the required causal link can be established.
Personal insurance can form another layer in your financial protection when life doesn't fit neatly into the ACC system.
