If I had personal accident insurance and was offered a lower premium if I wasn’t covered for the first visit or two to a doctor of physiotherapist I’d take it.
I wonder how many people get ACC for just one or two consultations. I suspect it’s a significant number in which case requiring us to pay for the first couple of consultations might make a significant difference to the costs of the scheme.
I don’t see any problems with visits to GPs and physios but there could be a problem with hospital emergency departments.
At the moment treatment there for injuries which result from accidents are paid for by ACC not the general health vote. If ACC no longer covered those initial visits there would be a huge political backlash if people were required to pay for public hospital treatment, but if they weren’t charged then people would go to EDs with injuries which could be treated by GPs.
But if someone can see a way round this then removing ACC cover from those initial consultations might be part of the solution to the large hole in the budget.