Accident Compensation Corporation

What Accident Compensation Corporation does

Accident Compensation Corporation (ACC) is a New Zealand Crown entity established in 1974 that operates the country's statutory no-fault accident compensation scheme under the Accident Compensation Act 2001. ACC provides comprehensive personal injury cover to all New Zealand residents and visitors, funding medical treatment, rehabilitation, weekly compensation (up to 80% of lost income), permanent injury compensation, and long-term support regardless of fault. The organisation serves three principal constituencies: injured individuals, employers and self-employed levy payers, and registered health providers who deliver treatment services. Headquartered in Wellington with regional hubs in Hamilton and Dunedin, ACC employs between 1,001 and 5,000 staff.

The scheme is funded through compulsory levies on earners, self-employed individuals, employers, and motor vehicle owners, reviewed every three years. ACC's core technology platform comprises MyACC (client self-service portal), MyACC for Business (employer levy management), and ProviderHub (health provider claims and invoicing), supported by a Developer Portal and APIs at developer.acc.co.nz. The organisation has invested in infrastructure automation, infrastructure-as-code, and AIOps capabilities in collaboration with Westpac, NAB, and Telstra. Specialised service lines include the Integrated Care Pathways Musculoskeletal (ICPMSK) programme, the Hāpai culturally responsive recovery programme operating across 16 regions, and the Rongoā Māori traditional healing service, which has supported 15,000+ clients since 2020 with 85% satisfaction.

ACC is currently navigating significant financial stress: it reported a $1.48 billion deficit in FY2024/25, carries $63.6 billion in total scheme future liability, manages a $50+ billion investment portfolio, and faces a projected $26.3 billion funding gap by 2030. The doubling of long-term claims clients to 24,500 over the past decade and $8.1 billion in annual rehabilitation, treatment, and compensation spend underscore the scale challenge. In response, the government has directed a turnaround plan endorsed by independent actuarial firm Finity, with three new board directors appointed in May 2026 and 285 additional claims management staff being hired.

Name

Accident Compensation Corporation

Legal name

Accident Compensation Corporation

Website

https://acc.co.nz

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Accident Compensation Corporation (ACC) is a New Zealand Crown entity operating the country's statutory no-fault accident compensation scheme, providing universal injury cover, treatment, rehabilitation, and income support to all residents and visitors, funded by compulsory levies on earners, employers, and vehicle owners.

Ownership category

akta.pro rank

Product category

No-Fault Accident Compensation / Personal Injury Insurance

NAICS

Health and Welfare Funds (52512), Insurance and Employee Benefit Funds (5251), Vocational Rehabilitation Services (6243), Services for the Elderly and Persons with Disabilities (624120)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324), Services-Social Services (8300)

akta.pro primary industry

Work Injury & Workers’ Compensation / Occupational Injury Benefits (BPAIAKAJ)

akta.pro secondary industries

Individual Disability Income Insurance (Non-Group) (FSAIAIAA), Inpatient Rehabilitation Hospitals (IRFs) (HLAFAHAG), Disability Services & Assistive Solutions (Accessibility, Assistive Tech) (BPAGALAM), Substance Use Recovery & Harm Reduction Support Services (BPAGAEAO)

Keywords

• No-fault injury insurance
• Accident compensation scheme
• Personal injury cover
• Injury rehabilitation services
• Workplace safety programmes

Headquarters

HQ city

Wellington

HQ country

New Zealand

HQ region

Oceania

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others

Revenue model

1. Levy Revenue: ACC is funded through compulsory levies paid by earners (employees), self-employed individuals, employers, and motor vehicle owners. Levies are reviewed every three years. The scheme covers all New Zealand residents and visitors under a no-fault arrangement, providing compensation for injuries regardless of fault.

Go-to-market motion1 record

Distribution channels8 records

Marketing channels7 records

Core offering

ACC provides comprehensive, no-fault personal injury cover for all New Zealand residents and visitors. The scheme funds medical treatment, rehabilitation, weekly income replacement (up to 80% of pre-injury earnings), permanent injury compensation, and long-term support, financed through compulsory levies on earners, self-employed individuals, employers, and motor vehicle owners. It also funds injury prevention programmes and culturally responsive recovery services such as Hāpai and Rongoā Māori.

Product overview

ACC operates as New Zealand's statutory accident compensation scheme, offering a unified no-fault injury coverage programme. The core product portfolio centres on claims management and compensation services (MyACC for clients, MyACC for Business for employers, ProviderHub for health providers), supplemented by specialised support modules including ICPMSK for musculoskeletal treatment coordination, Hāpai for culturally responsive Māori recovery support, and the Rongoā Māori traditional healing service. Financial products include weekly compensation (up to 80% income replacement), Permanent Injury Compensation assessed via AMA guidelines, and death-related financial support. ACC also provides injury prevention programmes focused on falls, traumatic brain injury, and child safety. The scheme is complemented by a developer portal for external API integrations.

Differentiator

Problem solved

Functional benefit

Brands

• MyACC: Online portal for individuals to manage their injury claims, apply for weekly compensation, and access recovery information.
• MyACC for Business
• ProviderHub
• Hāpai
• Integrated Care Pathway Musculoskeletal (ICPMSK)
• Rongoā Māori Service

Products and services

• MyACC Online portal enabling injured individuals to manage their recovery, apply for weekly compensation, update details, and access claim information. Aimed at New Zealand residents and visitors covered under the no-fault scheme.
• MyACC for Business Online business account management platform for levy payment, understanding invoices, setting up payment plans, and updating business details. Targeted at New Zealand employers, self-employed persons, and shareholder-employees.
• ProviderHub Self-service digital tool for registered health providers to submit injury claims and invoices to ACC and complete other financial and health-related administrative tasks. Used by doctors, physiotherapists, hospitals, and allied health professionals.
• Sensitive Claims Service Service providing therapy and support for anyone in New Zealand who has experienced sexual abuse or assault, including access to approved therapy providers via the Find Support search tool and the Safe to Talk helpline.
• Integrated Care Pathways Musculoskeletal (ICPMSK) Coordinated treatment and rehabilitation service for musculoskeletal injuries to the shoulder, lower back, or knee, providing a dedicated health team with no patient co-payments. For injured individuals with covered MSK injuries.
• Hāpai Culturally responsive injury recovery support programme grounded in Māori values and tikanga, available to kiritaki with serious or complex injuries. Delivers manaaki to restore mauri and enhance mana of clients across 16 regions of New Zealand.
• Rongoā Māori Service Traditional Māori healing service funded by ACC including mirimiri (bodywork), whitiwhiti kōrero (support and advice), and romiromi. Supported 15,000+ kiritaki in first five years (June 2020 – June 2025) with 85% client satisfaction.
• Weekly Compensation Financial support payments replacing up to 80% of lost pre-injury income for individuals unable to work due to covered injuries under the no-fault scheme.
• Permanent Injury Compensation Lump sum or ongoing payments for clients with permanent impairments from covered injuries, with impairment assessed using American Medical Association (AMA) guidelines.
• Developer Portal Developer tools and APIs for external developers to build integrations and applications working with ACC's systems and data, hosted at developer.acc.co.nz.

Quantifiable outcome

• 15,000+ kiritaki (clients) supported by Rongoā Māori Service in first five years (June 2020 – June 2025)
• +5 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature4 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• FinitycoreStrategic or Co-development Partner · 23 January 2026Independent actuarial consultancy firm that conducted a review of ACC's financial situation, released alongside ACC's turnaround plan. Endorsed a 'back to basics' approach and warned of ongoing costs to claimants and levy payers without urgent action. The review provided independent validation of ACC's planned reforms.
• WhakarongoraucoreStrategic or Co-development PartnerOperates the Safe to Talk helpline, a nationwide service funded by Ministry of Social Development (MSD) providing free confidential support and information to anyone affected by sexual harm. Connects callers to ACC's Sensitive Claims Service and other appropriate services. Available through text, webchat, phone, email, and online chat.
• Safe to TalkcoreChannel Partner/ Reseller/ DistributorNationwide helpline run by Whakarongorau that serves as the entry point for ACC's Sensitive Claims Service. Connects survivors of sexual abuse to therapy providers and provides access to ACC-funded support. Works directly with therapy provider organisations to confirm availability.
• HealthpointminorChannel Partner/ Reseller/ DistributorHealth information website hosting ACC's list of registered rongoā Māori practitioners. Practitioners listed have been police vetted and endorsed by rongoā mentors and mana whenua.
• WestpacminorStrategic or Co-development PartnerMajor Australian bank also implementing automation and AIOps alongside ACC. Both organisations have made significant strides in infrastructure automation and infrastructure as code.
• NABminorStrategic or Co-development PartnerNational Australia Bank implementing automation and AIOps in ANZ region alongside ACC. Progressing cautiously towards autonomous change management and predictive maintenance.
• TelstraminorStrategic or Co-development PartnerAustralian telecommunications company implementing automation and AIOps alongside ACC and other major ANZ organisations.
• New Zealand GovernmentcoreStrategic or Co-development PartnerACC is a Crown entity accountable to the New Zealand Government through its Minister. The scheme operates under the Accident Compensation Act 2001. The government directed ACC's turnaround plan to address deteriorating scheme metrics. Three new board directors appointed by the Minister.
• Hāpai Programme PartnerscoreStrategic or Co-development PartnerCulturally responsive injury recovery support programme operating across 16 regions in New Zealand, providing manaaki (support) to restore mauri (life force) and enhance mana of kiritaki (clients) with serious or complex injuries. Embeds te ao Māori principles in recovery support.
• Rongoā Māori PractitionerscoreChannel Partner/ Reseller/ DistributorACC-registered traditional Māori healing practitioners providing services including mirimiri (bodywork), whitiwhiti kōrero (support and advice), and romiromi. All practitioners are police vetted and endorsed by rongoā mentors and mana whenua.
• Find SupportcoreChannel Partner/ Reseller/ DistributorOnline search tool for finding ACC approved therapy providers, accessible at www.findsupport.co.nz. Allows filtering by expertise, gender, and languages spoken. Data free for users on 2degrees, Skinny, Spark, and One NZ networks.
• Enable New ZealandminorChannel Partner/ Reseller/ DistributorEquipment supplier partner for aids and equipment provision. Manages equipment provision, collection, and replacement for ACC clients needing mobility aids, wheelchairs, and other assistive devices.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Transport Accident Commission (TAC): Victoria's statutory no-fault transport accident compensation scheme, funded by levies and providing income replacement, medical, and rehabilitation support. TAC is the closest international analogue to ACC's no-fault personal injury model, with comparable funding mechanisms and benefit structures.
• Workplace Safety and Insurance Board (WSIB Ontario): Ontario's statutory workers' compensation scheme providing no-fault workplace injury coverage funded by employer premiums. Highly comparable to ACC's employer levy and workplace injury compensation function, though scoped specifically to workplace injuries rather than all accidents.
• Workers' Compensation Boards (Australia): State-based workers' compensation schemes (e.g., icare in NSW, WorkSafe Victoria, ReturnToWorkSA) operate no-fault employer-funded injury compensation systems. Comparable to ACC's employer-facing work levy and workplace injury claim functions.
• Motor Accident Insurance Commission (MAIC): Queensland's statutory regulatory and funding body for the no-fault CTP insurance scheme. Operates a similar compulsory, levy-funded accident compensation model with regulator-led scheme oversight, paralleling ACC's Crown entity structure.

Broad incumbents

• WorkSafe New Zealand: New Zealand's primary workplace health and safety regulator. While WorkSafe focuses on workplace safety enforcement rather than compensation, it interacts closely with ACC on workplace injury prevention, levies, and employer accountability — making it the most relevant NZ public-sector peer.
• IAG New Zealand: New Zealand's largest general insurer, writing personal and commercial lines including potential overlap with ACC's vehicle levies. A broad incumbent in the local insurance market with adjacent product offerings to ACC's compulsory cover.

Others

• Gallagher Bassett: Global third-party claims management administrator supporting workers' compensation and injury claims. Relevant as an enabling partner that could compete for or support aspects of ACC's claims processing and provider management operations.
• Sedgwick: Global claims management and loss adjusting firm serving insurance and self-insured schemes. Comparable as an ecosystem participant in injury/workers' compensation claims administration — a vendor class ACC engages with for specialised capabilities.

Regional players

• Southern Cross Health Society: New Zealand's largest not-for-profit health insurer, providing elective treatment and medical insurance. Adjacent to ACC in the NZ health funding landscape and provides a regional benchmark for member-funded health schemes, though voluntary and elective rather than accident-focused.
• Accident Compensation Corporation Australia — historical comparators: Comcare is the Australian Commonwealth workers' compensation scheme and a regional peer to ACC for cross-Tasman scheme design reference. While Australian in scope, it shares structural similarities with ACC's employer-funded model and rehabilitation mandate.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCsA6EAhqJAb4-WCwOFMj4gg
• Facebookfacebook.com/accnewzealand
• LinkedInlinkedin.com/company/acc
• Instagraminstagram.com/accnewzealand
• Xx.com/accnz

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments6 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Accident Compensation Corporation