Transport/Motor Accident Insurance (CTP)


Transport accident insurance is a state-based scheme providing funding support for people recovering from transport/motor accidents. This may also be referred to as Compulsory Third Party (CTP) Insurance.

In each state, there is a government body known as the insurance regulator who regulates and administers the scheme, including setting the rules allied health providers must meet.

Employers typically pay insurance premiums to an insurer to fund the scheme. Depending on the state, this may be the insurance regulator or an approved external. The insurer will typically be the point of contact for allied health providers for services and billing.


State

Insurance Regulator

Insurers

NSW

State Insurance Regulatory Authority (SIRA)

• Don’t need a SIRA provider number
• No gazetted service fees, except for completion of Allied Health Recovery Request (AHRR)
• Referrals can come from injured person, rehabilitation provider or GP
• Meet service requirements outlined in Allied Health FAQs

AAMI

Allianz

GIO

NRMA

QBE

QLD

Motor Accident Insurance Commission (MAIC)

• Don’t need to register as a service provider
• Follow the Guidelines for CTP Rehabilitation Providers
• Referrals can come from medical provider or insurer - advise insurer as soon as possible if former
• Must develop a treatment plan
• No schedule of fees, but must charge a reasonable fee
• Must send regular reports

Resources
• Treatment Plans and Guidelines
• Treatment Resources

AAI (Suncorp)

Allianz

QBE

RACQ

VIC

Transport Accident Commission (TAC)

• Must register as a health/service provider
• Follow the Exercise Physiology guidelines for guidelines, fees and allied health treatment plan
• Can provide individual sessions, group consultations, monitoring or evaluation of a gym or swimming program, and request some small equipment
• Contact case manager with questions and for payment
• Fee schedule is GST inclusive

Transport Accident Commission (TAC)

TAS

Motor Accident Insurance Board (MAIB)

• Must register as a service provider
• Submit invoices to MAIB
• Claimants choose provider (no referrals)
• Specific Exercise Physiology requirements including EP Management Plan

Motor Accident Insurance Board (MAIB)

WA

Insurance Commission of Western Australia (ICWA)

• Must register as a treatment provider
• Follow the service terms and conditions
• Contact insurance commission with questions and for payment information

Insurance Commission of Western Australia (ICWA)

SA

CTP Insurance Regulator

• Referral from treating medical practitioner is recommended
• Complete an Allied Health Management Plan and send to insurer and treating medical practitioner
• Obtain pre-approval from insurer fee schedule
• Contact insurer with questions

AAMI

Allianz

QBE

SGIC

NT

Motor Accidents CompensationCommission (MACC)

• Referral from GP is required
• Payment can be made by the injured person or by invoicing insurer
• Contact insurer with questions and for payment

TIO

ACT

Motor Accident Injuries Commission

• Contact insurer with questions and for payment
• Catastrophic injuries are managed by the Lifetime Care and Support Scheme - don’t need to register as a service provider. No set fees

NRMA

GIO

AAMI

APIA


General resources


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Updated May 2023