What is the National Injury Insurance Scheme Queensland?
The National Injury Insurance Scheme Queensland provides people with eligible, serious personal injuries sustained in a motor vehicle accident with necessary and reasonable treatment, care and support services, irrespective of fault. It came into effect on 1 July 2016.
How will the National Injury Insurance Scheme Queensland operate?
The Scheme will help participants achieve their individual goals, maximise their independence and participate in the community.
The principles of collaboration and informed decision-making are central to the Scheme and will be achieved by providing evidence-based treatment, care and support options which suit individual requirements. The Agency will provide this in an environment which fosters informed choice, flexibility and empowerment, reflecting community expectations.
The National Injury Insurance Agency Queensland will administer the Scheme and oversee the National Injury Insurance Scheme Queensland Fund that will pay for the costs of providing necessary and reasonable treatment, care and support. The Fund will be funded by a new levy paid at the same time as registration of a motor vehicle.
How will services be delivered?
The exact details of the National Injury Insurance Scheme Queensland are still being finalised, however the Scheme will be person-centred and provide choice, flexibility and independence.
Why do we need this as well as the National Disability Insurance Scheme?
The reality is that when the Federal Government introduced the NDIS (National Disability Insurance Scheme) there was always going to be a partner scheme – the National Injury Insurance Scheme – which was run by the states, to assist people seriously injured in motor vehicle accidents.
The introduction of the National Injury Insurance Scheme Queensland brings us in line with the rest of the country, to ensure that people seriously injured in motor vehicle accidents receive the lifelong care and support that they need.
Does the Scheme replace CTP insurance?
No. The new Scheme will ensure that anyone who sustains an eligible, serious personal injury will get necessary and reasonable treatment, care and support.
Approximately half of all people who sustain serious personal injuries in motor vehicle accidents are not eligible to claim against CTP insurance. This is because CTP insurance is a fault-based scheme. This means there is no cover for people considered to be at fault or in situations where there is no negligent person involved.
Participants who have a CTP claim will make a claim against the relevant CTP insurer for other relevant compensation such as general damages (e.g. pain and suffering) or economic loss. However, these participants will receive necessary and reasonable treatment, care and support through the National Injury Insurance Scheme Queensland.
Will the National Injury Insurance Scheme Queensland apply to everyone?
For the first time, everyone in Australia will be covered, with Queensland now implementing the National Injury Insurance Scheme.
Before, there was no cover for people who made split-second mistakes or in situations where there is no fault, for example, swerving to avoid an animal on the road.
What should I do if I am seriously injured in a motor vehicle accident?
If you or a loved one is seriously injured in a motor vehicle accident you should notify us (the National Injury Insurance Agency) as soon as possible.
How do I notify the National Injury Insurance Agency?
You, a loved one or the hospital can contact the Agency by using the notification form, sending an email or calling the enquiry line (for more information see How to Apply under Participants).
Who can notify the National Injury Insurance Agency?
You or others (a family member, friend or the hospital) with your consent can notify us.
If you have made a CTP claim against an insurer, the insurer may make an application on your behalf.
Can the insurer make an application on my behalf?
Yes, if you have made a CTP claim against an insurer, the insurer may make an application on your behalf.
Why do I have to pay?
I’m happy to pay it because I know the increase is the same as just one extra hour of carer time to help someone get in and out of bed, or get to the bathroom, if you’ve been involved in an accident. For me, that’s something worth paying for.
The Government knows we need to keep this affordable and wants a scheme that gets the balance right for motorists.
The Government is reviewing our CTP (Compulsory Third Party) scheme to look for cost savings and the review will be completed by mid-next year.
How will Queenslanders benefit from the new Scheme?
The National Injury Insurance Scheme Queensland will assist people who are seriously injured to access services to undertake their daily activities, maximise their independence and pursue employment opportunities, where possible.
It is anticipated the Scheme will benefit Queensland communities through improved health outcomes, and improved social and economic participation by the person who is injured, their family and carers.
What if I am from interstate when I have my accident in Queensland?
Anyone who sustains an eligible, serious personal injury as a result of an eligible motor vehicle accident in Queensland can access the Scheme. This includes anyone from another Australian state or territory.
Where can I find more information?
Please phone the enquiry line on 1300 607 566 or email email@example.com.
What if I have suffered a serious personal injury in the workplace?