ACC-Funded Physiotherapy in Auckland: What You Can Claim

New Zealand’s Accident Compensation Corporation (ACC) is one of the most comprehensive no-fault injury compensation schemes in the world — and most New Zealanders are under-using it. If you have had an accident, a sudden injury at work, or hurt yourself playing sport, there is a good chance ACC will contribute to the cost of your physiotherapy and chiropractic at Velca.

Here is a plain-English guide to what ACC covers, how to access it, and what to expect when you book with us in Howick.

Part 1: What Is ACC?

ACC is a government-funded scheme that covers the cost of treatment for injuries caused by accidents in New Zealand. It applies to everyone in NZ — citizens, residents, and visitors — and covers injuries regardless of fault.

Importantly, ACC is not just for dramatic accidents. It covers a wide range of everyday injuries, including:

• Muscle strains and sprains from sudden movement

• Falls — at home, at work, or in a public place

• Sports injuries

• Work-related injuries caused by a sudden event

• Motor vehicle accident injuries, including whiplash

• Injuries sustained as a result of a medical procedure (in some circumstances)

ACC does not cover injuries from gradual onset — for example, back pain that has developed over months from poor posture or repetitive strain. These may still be appropriate for physiotherapy or chiropractic treatment, but would not be covered under an ACC claim.

Part 2: Do I Need a GP Referral for ACC Physio?

No. You can come directly to Velca and we can lodge your ACC claim on your behalf at your first appointment. You do not need to see a GP first.

When you arrive, we will:

• Ask you about how and when the injury occurred

• Complete the ACC45 claim form with you

• Lodge the claim electronically with ACC

• Begin your physiotherapy or chiropractic assessment

In most cases, ACC approves straightforward claims quickly. If your claim requires additional information or involves a more complex injury, ACC may request further details before approving funding.

Part 3: What Does ACC Cover?

Once your claim is approved, ACC contributes to the cost of treatment. The specific co-payment you pay will depend on the type of provider you see and the length of the appointment.

At Velca, our physiotherapists and chiropractors are ACC-registered providers. This means:

• We can lodge claims directly on your behalf

• The ACC contribution is applied at the point of service

• You pay only the remaining co-payment (the gap between the ACC rate and the full session fee)

ACC typically covers an initial course of treatment sessions. If additional sessions are needed beyond the initial allocation, we may need to request approval from ACC on your behalf. We will discuss this with you during your appointments.

Part 4: How Much Will I Pay?

The co-payment amount depends on the type of of provider and length of time for your appointment. Our current pricing is available at velca.co.nz/pricing. When you book, we can give you a clear indication of what your out-of-pocket cost is likely to be for your specific situation.

If cost is a concern, please mention this when you book — we will make sure you have accurate information before your first appointment.

Part 5: Sensitive Claims

ACC also has a Sensitive Claims pathway for people who have experienced sexual abuse or assault. This is a separate, confidential process with different referral requirements. If you would like information about the sensitive claims process, ACC’s website has a dedicated section, or you can speak with your GP.

Part 6: Common Questions

I injured myself at work. Is that covered?

Work injuries caused by a sudden accident are generally covered by ACC. Gradual injuries — for example, a shoulder problem that developed over time from repetitive lifting — may also be covered through a work-related gradual process claim, though these require additional assessment and documentation.

My injury happened overseas. Is it covered?

ACC covers injuries that occur in New Zealand. If you were injured overseas and are now back in New Zealand seeking care, your injury may be covered by ACC. However, this is done on a case by case basis and ultimately comes down to ACC. We recommend checking with ACC directly at acc.co.nz.

I had an injury a while ago. Is it too late to claim?

ACC claims generally need to be lodged within 12 months of an injury, though there are some exceptions. If you are unsure whether your injury is still eligible, it is worth asking — we can advise at your appointment.

My claim was declined. What can I do?

If your claim is declined, you have the right to request a review. ACC will provide information about the review process in their decision letter. You may also wish to seek advice from a patient advocate or citizens advice bureau.

This article is for general information purposes only. It is not a substitute for advice from a registered health practitioner. If you have concerns about your health, please consult a qualified professional.