Treatment we can help pay for

We can help pay for various medical, health and treatment costs if we cover your injury. Sometimes, you'll need to pay part of the cost.

On this page

    Types of treatment we can help pay for

    We can pay for treatment if it is:

    • The best option for your condition
    • A generally accepted treatment in New Zealand
    • Provided by a registered and licensed provider in New Zealand

    We have a list of the key treatment and rehabilitation services funded by ACC. Search by a support area, like financial support, or use the A-Z directory. 

    Recovery services directory

    Help with further treatment

    We can help with additional treatment if you have side effects or issues with recovery. For example, if you have flashbacks after a car accident.

    Help with serious injuries and disabilities

    We provide support if your injury causes long-term effects or disabilities.

    If you're injured during treatment

    If you're injured by treatment for a covered injury, we can cover you. Your health provider can make a treatment injury claim for you. It can take time to investigate a treatment injury claim and make a decision. We will tell you within two months if we are unable to make a decision yet.

    What to do if you're injured

    Treatment we don’t pay for

    We can't pay for treatments that are:

    • Not related to your covered injury
    • For pre-existing or underlying medical conditions not caused by your covered injury
    • Given outside New Zealand
    • Provided by unregistered or unlicensed providers

    Paying for your treatment

    We pay part of your treatment costs. Ask your health provider:

    • How much you’ll need to pay and if you need to pay the total upfront
    • How much we’ll pay
    • If you need approval before treatment

    If you visit the emergency department

    If you go to the emergency department to get treatment for your injury, we'll pay them. 

    If you’ve already paid for treatment

    You can pay the full cost of treatment yourself and we can pay you back our part. This includes paying for prescriptions.

    Applying for a refund

    To apply for a refund you’ll need to:

    1. Download an application form

      ACC249 Prescription reimbursement
      ACC001 Request for assistance
    2. Include your invoices and receipts

      Attach the invoices and receipts to your form. Keep copies for your records.
    3. Send us your application

      Send it to us by email or post, or drop it at your local ACC branch.

    4. We’ll let you know our decision

      We'll make a decision about your application as soon as we can.

      If we decline your application, we’ll let you know why.

    Contact us

    If you have any problems or want to know more about how we can help, talk to your recovery team or contact our claims team:

    Phone 0800 101 996 (Monday to Friday, 8am to 6pm)
    Email claims@acc.co.nz

    Send us your application

    If you live in Northland, Auckland, Waikato or Bay of Plenty:

    ACC Hamilton Hub 
    PO Box 952
    Hamilton 3240

    If you live in Taranaki, Manawatu-Whanganui, Hawke's Bay, Wellington or the South Island:

    ACC Dunedin Hub
    PO Box 408
    Dunedin 9054

    Last published: 18 March 2025