Video | Agriculture | Confidence | Economy | Energy | Employment | Finance | Media | Property | RBNZ | Science | SOEs | Tax | Technology | Telecoms | Tourism | Transport | Search


HIH Workable Meets Demand For "Sprain And Strain"



Workplace accident insurer HIH WorkAble has responded to market demand by offering to cover medical costs for injuries such as those strains and sprains that do not involve external force or resistance.

HIH WorkAble, which insures New Zealand organisations with a total of about 150,000 employees, has this week launched a new policy extension for these injuries.

HIH WorkAble Sprains and Strains cover provides for medical entitlements prescribed under the Accident Insurance Act 1998, including consultation and treatment. Cover of $10,000 is available in any one annual policy period.

The insurance status of injuries not involving external force has recently been in the media spotlight, with cases such as the farmworker who sprained her shoulder dodging a cow in a milking shed, only to find she was not covered by workplace injury insurance.

Both private insurers, who took over the privatised workplace injury insurance market in July, and the Accident Compensation Corporation, which looks after non-work-related claims, work with the same case law.

The statutory definition of an accident, dating from 1992, states that a personal injury must have been caused by a force or resistance outside the claimant's body.

An office worker who suffered shoulder strain while exercising to avoid occupation overuse syndrome also had her claim turned down on this basis. Another to miss out was a rest-home nurse who was injured stretching to reach a light.

HIH WorkAble general manager Mr Steven Cosgrove said accidents excluded by the definition could account for as many as one in 10 workplace injuries.

"With a significant share of the private workplace insurance market, we find ourselves having to turn down claims," he said.

"While it's not our place to comment on the legal definition, it is obvious to us that claimants are genuinely being injured in the course of their work and that there is customer demand for an insurance policy that covers such accidents. That's why we've developed `HIH WorkAble Sprains and Strains cover'."

Mr Cosgrove said confusion over the definition had resulted in some delays in payments to treatment providers. "For people covered by HIH WorkAble Sprains and Strains, the definition will not be an issue and such payment can be prompt."

He said the policy supplement is available to employers for just five percent of their accident insurance premium, with a maximum of $100.

"For the average employer, with 10 to 20 staff, the supplement will cost about $300 a year.

"We expect that a majority of our customers will take up this option, as they have with other accident insurance products we have developed," said Mr Cosgrove.




© Scoop Media

Business Headlines | Sci-Tech Headlines


Auckland Transport: Successful Bridge Repair Opens Two Additional Lanes To Traffic

The opening of two additional lanes on the Auckland Harbour Bridge this morning will help relieve some motorway congestion for motorists heading home to the North Shore tonight. More>>


Statistics New Zealand: COVID-19 Sees Record 12.2 Percent Fall In New Zealand’s Economy

Gross domestic product (GDP) fell by 12.2 percent in the June 2020 quarter, the largest quarterly fall recorded since the current series began in 1987, as the COVID-19 restrictions in place through the quarter impacted economic activity, Stats NZ said ... More>>


Climate: Scientists Release ‘Blueprint’ To Save Critical Ecosystems And Stabilize The Earth’s Climate

A group of scientists and experts produced the first comprehensive global-scale analysis of terrestrial areas essential for biodiversity and climate resilience, totaling 50.4% of the Earth's land. The report was published in Science Advances ... More>>


MPI: Independent Review Launched Into Assurances For Safe Transport Of Livestock By Sea

The Ministry for Primary Industries (MPI) has launched an independent review of the assurances it receives for the safe transport of livestock by sea. MPI Director-General Ray Smith says Mike Heron QC has been appointed to lead the review, which is expected ... More>>


Computers: New Zealand PC Market Grows Nearly 40% Due To Work From Home Demand

COVID-19 had large impacts on demand for PCs as businesses prepared for lockdowns by purchasing notebooks to mobilise their workforce. In the second quarter of 2020, New Zealand's Traditional PC market experienced a 39.7% year-on-year (YoY) growth ... More>>


University Of Auckland: Whale-Watching By Satellite – Follow Their Travels Online

Scientists have successfully attached satellite tracking tags to six New Zealand southern right whales, or tohorā, and are inviting the public to follow the whales’ travels online. Part of a major research project involving the University of Auckland ... More>>

Commerce Commission: Kiwibank Admits System Failures And Agrees To Pay Customers $5.2 Million

Kiwibank has entered into a settlement agreement with the Commerce Commission after reporting that it failed to have in place robust home loan variation disclosure policies, procedures and systems. In a settlement dated 27 August 2020, Kiwibank admitted that ... More>>

Ministry of Health: Public Transport Distancing Requirements Relaxed

Physical distancing requirements on public transport have been reviewed by the Ministry of Health to determine whether they are still required at Alert Level 2 (or below). The Ministry’s assessment is that mandatory face covering and individuals tracking ... More>>


NZHIA: New Zealand Hemp Industry Set To Generate $2 Billion Per Annum And Create 20,000 Jobs

A new report says a fully enabled hemp industry could generate $2 billion in income for New Zealand by 2030, while also creating thousands of new jobs. Written by industry strategist Dr Nick Marsh, the report has prompted calls from the New Zealand Hemp ... More>>


Stats NZ: One In 14 Employed People Report High Risk Of Losing Jobs

About one in 14 workers say they expect to lose their job or business by mid-2021, Stats NZ said today. A survey of employed people in the June 2020 quarter showed 7 percent felt there was a high or almost certain chance of losing their job or business ... More>>

ASB Quarterly Economic Forecast: NZ Economy Doing Better Than Expected, But Challenges Remain

August lockdown estimated to have shaved 8% off NZ’s weekly GDP, and 0.5% off annual GDP Economy now expected to shrink 5% (year-on-year) by end of 2020 Unemployment rate now expected to peak at 7.2% The latest ASB Quarterly Economic Forecast is less ... More>>