Do I have to pay for medical expenses out of pocket?

As long as your medical expenses are pre-approved or eligible for reimbursement, you can expect them to be paid for by the insurer.

Medical expenses for pre-approved treatment and medication will be fully covered by the insurer, as long as they are incurred during the course of the injured worker's active claim.

You should give the insurer enough information to determine whether the treatment or service you have asked for is or was reasonably necessary. This includes relevant documents like your certificate of capacity (COC) and any specialist referrals or reports.

You may only claim for the cost of treatment and services during your compensation entitlement period, which is determined by an assessment of the severity of your injury.