What is the National Injury Insurance Scheme?

The Federal Government has introduced a national road crash insurance scheme to fill the gap between CTP/Green Slip insurance. What will the National Injury Insurance Scheme cover?

Let’s say you were in a crash and you only had CTP (a.k.a. Green Slip) insurance:

CTP Green Slip only covers you for the cost of any compensation claims made against you if you were to kill or injure someone in a road accident.

CTP Green Slip insurance from some providers also covers you for certain injuries caused to yourself if the accident was the other driver’s fault. But if you were at fault, or no one was at fault, CTP Green Slip doesn’t cover you for any damage to your own body, or for damage to your car.

Queensland Treasurer Curtis Pitt says, “It may come as a surprise to many Queenslanders, that they are not as protected as they may think.

“At present about half of all people who sustain such catastrophic injuries on Queensland’s roads are not covered by their CTP because they were found to be at fault or no one was at fault.”

In an effort to protect people from the many thousands of dollars that may be involved in medical bills after a car crash, the Federal Government has created a new insurance scheme to fill the gap. The National Injury Insurance Scheme (NIIS) will commence in Queensland on 1 July, 2016, and all other states and territories except WA have agreed to join the scheme.

What will the National Injury Insurance Scheme cover?

The NIIS will cover the costs of injuries to a driver who is in a crash where either they were at fault or no one was at fault. It will cover reasonable and necessary medical treatment, rehabilitation and care.

An average of three Queenslanders per week sustain catastrophic injuries in a road crash (Motor Accident Insurance Commission).

Common injuries include brain or spinal injuries, limb amputations, severe burns, and blindness. The NIIS aims to help people with such life-altering injuries return to their usual daily activities, maximise their independence, and find steady employment.

In Queensland specifically, the NIIS will cover:

  • Ambulance transportation
  • Medical treatment
  • Dental treatment
  • Pharmaceuticals (medicine)
  • Care: respite care, attendant care, and domestic assistance
  • Prostheses, health aids and appliances
  • Rehabilitation
  • Educational and vocational training

Australian Paralympic Swimmer Marayke Jonkers has praised the NIIS, saying that the life-changing injuries caused by a car crash have significant emotional and financial costs.

“I was fortunate to receive compensation for the injuries I sustained,” she said. “I feel for anyone who sustains catastrophic injuries in a road crash who needs to rely on public health care, social services, friends and family for day-to-day care and support.”

For more information on how the NIIS will operate in Queensland, please visit the Queensland government’s website or call 1300 302 568.

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