If you’ve been injured in a motor vehicle accident in NSW, your Compulsory Third Party (CTP) insurance covers reasonable and necessary physiotherapy — at no cost to you. Thrive treats whiplash, soft tissue injuries, back and neck pain, and other MVA-related conditions.
NSW’s Compulsory Third Party (CTP) insurance scheme covers physiotherapy for anyone injured in a motor vehicle accident — driver, passenger, cyclist or pedestrian. You don’t need to be at fault to make a claim. Thrive bills your CTP insurer directly and focuses on active, evidence-based treatment to get you back to full function.
Cervical strain, whiplash-associated disorder and post-MVA neck stiffness — assessed and treated with evidence-based manual therapy and exercise.
Lower back pain, thoracic pain and spinal soft-tissue injuries from the impact of a vehicle collision.
Shoulder, knee, wrist and other joint injuries sustained during a motor vehicle accident — from the initial assessment through to full recovery.
Post-traumatic headache and cervicogenic headache following MVA, including assessment of contributing cervical dysfunction.
To access CTP physiotherapy, lodge a claim with your insurer (or the at-fault driver’s insurer) through the State Insurance Regulatory Authority (SIRA). You’ll receive a claim number — bring this to your first appointment. If you’re unsure how to lodge a claim, your GP or our reception team can guide you through the process.
Report the accident to police (if required) and lodge a claim with the CTP insurer through the SIRA portal or via your GP. You’ll receive a claim number.
Call or email us with your claim number and a brief description of your injuries. We’ll confirm billing with your insurer and book your first appointment.
We assess all MVA-related injuries, design an active rehabilitation plan and provide required reports to your insurer throughout your recovery.
No. NSW CTP insurance covers injured persons regardless of fault. Whether you were the driver, a passenger, a pedestrian or a cyclist, you may be entitled to treatment under the CTP scheme.
You don’t need a GP referral to see a physiotherapist, but you do need a CTP claim number from your insurer. Your GP can help you lodge the claim if you’re unsure how.
No. Physiotherapy that is reasonable and necessary for your MVA injuries is funded by your CTP insurer. We bill the insurer directly. If any service falls outside what the insurer will cover, we’ll discuss this with you before proceeding.
Under the NSW CTP scheme, treatment must be reasonable and necessary for your injuries. There’s no hard limit on sessions, but treatment should be goal-directed and progressing. We’ll monitor your progress and keep your insurer informed at the required intervals.
Contact us with your CTP claim number and we’ll get you booked quickly. The earlier you start treatment, the better the outcome.
CTP Insurance accepted · No out-of-pocket · Parramatta & Western Sydney
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