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Nicki Kane | Whangarei Insurance Broker

Are you looking for someone who can take the hassle out of looking after your family, business or farm insurances and ACC setups?

We can sort everything in person, by phone, Skype or Zoom.

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  • Home
  • About Nicki
    • About Nicki
    • Does it cost you anything to work with me?
    • Some things to know about me!
    • Complaints handling and dispute resolution
    • Conflicts of interests and incentives- how do you know I’m really doing what’s best for you?
    • Duties Information- the legal bits of what I must do for you!
  • Insurance
    • For Families
    • For Business Owners
    • For Farmers
    • Contact your insurer directly
  • ACC
  • Articles
  • Contact

What does ACC Actually Cover?

ACC only covers you if you are injured and doesn’t cover an injury which can be linked to a degenerative condition.

ACC and Degenerative Conditions

You fall and smash your knee and need knee surgery. During the investigation stage, doctors discover that you have some arthritis in your knee. This makes it extremely likely that ACC will deny your claim even if you had no prior knowledge of the arthritis.

If however you have private medical insurance, you know exactly where you stand and what is covered. After the knee injury, if a condition is discovered which you didn’t know about, it wouldn’t affect your claim in any way.

Some common illnesses and injuries…

Type of InjuryCovered by ACCCovered by Private Insurance
Heart attack✖✔
Cancer✖✔
Stroke✖✔
Broken leg✔✔
Broken back✔✔
Knee injury (arthiritis discovered)✖✔

Filed Under: ACC Restructuring, Insurance Articles

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