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Claiming for medical and rehabilitation costs

We can pay for approved medical, rehabilitation and travel costs when a claim is accepted. 

Support for when life gets tough

When life gets hard – whether with financial stress, health concerns or personal struggles – there’s help and support available.

Paying for excess charges 

You will need to pay difference if your provider charges more than our set fees.

What we cover

We can pay for treatment and rehabilitation costs that are reasonable and needed to support your recovery.

This may include:  

  • treatment from registered health professionals, such as doctors, physios or dentists
  • medical items you need while recovering, like bandages, dressings or medicines
  • equipment hire
  • services that help you get back to work
  • some travel costs to and from appointments.

Read about claiming for travel costs.

You should try to book any treatment appointments outside of work hours. If this is not possible for any reason, please contact us or your employer.  

We do not cover

  • Treatments by people who are not registered or board certified, unless they are an approved non-board registered provider
  • Most alternative therapies (for example, massage or acupuncture), unless done by a doctor, physio or a registered Chinese Medicine practitioner
  • Travel costs we have not approved
  • Hospital costs that were not approved

If you or your provider need more information about medical and rehabilitation services and what’s covered, refer to the relevant Table of Costs.  

If we can’t cover your costs

We will explain if we can’t pay for your treatment or surgery.  

You must pay your medical and rehabilitation costs if we don’t accept your claim. 

You can learn more about what happens if a claim is not accepted or contact us if you have any questions.

How much we can cover

Most treatments have set fees. We can only pay up to these limits. If you're charged more, you will need to pay the difference.  

Private hospital costs  

Non‑elective hospital stays

If you need urgent treatment, we may cover private hospital costs for up to four days.  

We may cover more days if we agree with your doctor in advance.  

Elective hospital stays

For planned procedures, we must approve the cost before your hospital stay.  

MRI scan referrals  

A specialist should refer you for an MRI scan, even if it’s urgent. 

GPs can only refer for an MRI in certain situations. 

Please speak with your doctor if you are unsure.  

How payments and reimbursements work

Your provider will usually send us the invoice and we pay them.  

Sometimes, they might ask you to pay on the day. If this happens, we can reimburse you as long as:

  • your claim has been accepted
  • the costs are related to your injury
  • the amount is within our approved fees

Information we need

You’ll need to give us your bank details and keep your original receipt.  

Make sure you write your name and claim number on each receipt.  

Applying for reimbursement

Send your receipts to us by one of these options:  

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