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Medical excess

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The medical excess does not apply to everyone. You can use the Medical excess tool and chart below to find out if the excess applies to you

The medical excess is the amount of non-hospital treatment and support services you are responsible for before the TAC can start to pay. At the moment the medical excess is $623. If the medical excess applies to you, the TAC can pay for the support you need after you* have received treatment to the value of $623.

* For the purposes of the medical excess "you" means you and any immediate family members involved in the same accident. "Immediate family members" includes your partner or dependent children under 18 years of age.

Medical excess tool

Note: This tool is a guide only and any information gathered from it is not a decision made on your TAC claim. If you are unsure whether the medical excess applies to you, please call the TAC on 1300 654 329 .

Did you go to hospital after your accident?

Medical excess chart

If you were admitted to hospital as an inpatient* You do not need to reach the medical excess. The TAC will pay for your accident related treatment from the time of your admission.
If you did not go to hospital, or if you were not admitted to hospital as an inpatient

The medical excess of $623 applies to you. A list of services you can use to reach the excess is available here.

Please note: some treatment and supports are not subject to the medical excess. For example, the TAC can pay for hospital and ambulance services as soon as your claim is accepted.

The full list of services that the TAC can pay for even if you haven't reached the medical excess is available here.

If you had a family member involved in the same accident

A family member includes your partner, parents, children or siblings.

The medical excess applies once only per family.

If a family member was also involved in your accident, and was admitted to hospital as an inpatient, you do not have to reach the medical excess. For example, if your partner stayed overnight in hospital as an inpatient, neither of you would need to reach the medical excess. This applies even if you were not admitted to the hospital.

If no family members were admitted to hospital as an inpatient, your family will need to have paid for treatment to the value of $623 together. This amount is calculated per family, not per person. For example, if you and your partner were injured in the same accident, you need to have paid for treatment to the value of $623, before the TAC can start payment for further treatment.

* A hospital usually classifies a person as an inpatient if he or she stays for more than one day. If you are unsure if you have been classified as an inpatient, please contact the hospital.

The medical excess applies to me

Information about how TAC's medical excess applies to you

Read more