• ACC can be a bit confusing at times so here are a few answers to questions that are often asked in the clinic:

    accWhat does ACC cover?

    ACC covers any injury that you can identify when and where it happened. For a claim to be covered you need to be able to state what you were doing when the pain began. For example “lifted a heavy bag and felt pain in back”

    Most physical injuries are covered if they’re caused by:

    • an accident
    • a condition that comes on gradually because of your work (gradual process)
    • medical treatment

    Do I need a doctor’s referral to claim ACC?

    No, all the required paperwork can be filled out at a physiotherapy clinic unless it is a work-related over-use injury

    Does the injury need to be sport or work related?

    As mentioned above ACC covers anything that you can identify the cause of. While ACC does cover sport and work-related accidents, you can also claim for injuries that occurred at home or in your everyday life. For example, lifting your children, changing a light bulb or tripping over the dog!

    Is ACC treatment free?

    Not any longer. If you have an approved ACC claim, ACC will fund part of the consultation fee and this leaves a surcharge for you to pay to cover the rest. The surcharge varies between clinics and appointment types but you can give us a call and check with us.


    Overall – If you can identify what you were doing when the pain began, then there is a good chance of it being an ACC claim. Please note, as with all rules some exceptions do apply and the above points are not set in concrete. However, your physio will be able to advise you and will be more than happy to answer any questions you may have.

    If you are unsure then please give us a call and we will be happy to discuss this with you or check out the ACC website here