Medical assessment process

After we receive your application form (or reply form) we will review it and in most cases appoint a medical assessor.

A medical assessor is an independent medical practitioner (or other suitably qualified person) with expertise in resolving medical disputes relating to motor accident claims.

After reviewing the application form, reply form, and any relevant documentation, we will arrange for you to meet with the medical assessor so they can carry out a medical examination.

Depending on your injuries, you may need to attend more than one medical examination with different medical assessors.

We will send you a letter with all the medical examination details (eg medical assessor’s name, location, date and time).

It’s important you attend all medical appointments we arrange for you so your medical dispute can be resolved quickly and the insurer can resolve your claim.

If you can’t attend, contact us immediately (if you don’t turn up, or make a late cancellation, you might be charged a fee).

Bring all radiological scans and reports (eg all x-rays, CT and MRI scans) if you have them. If you are on medication, we suggest you bring a list of them.

You cannot bring any other additional documents or information with you to the MAS medical appointment.

These appointments usually take between one hour and ninety minutes (but everyone is different). If the appointment is going to be longer than two hours we’ll tell you when your appointment time is confirmed.

If you’re having physical injuries assessed, the medical assessor will need to physically examine you. This could include removing or loosening clothing or taking some photos (eg of scarring).

If you are having a psychiatric assessment, the medical assessor will discuss your injury and its effects. They probably won’t need to physically examine you.

You should be honest and straightforward with the medical assessor.

The medical assessor cannot treat you or provide you with advice about your injury, treatment, any other matter, or discuss their decision.

You can take a support person or carer with you to the appointment, but the medical assessor will decide whether that person can be present during the examination.  We can also arrange an interpreter if one’s needed.

After the appointment is finished, the medical assessor will consider all the available documentation and make a determination.

They will provide a certificate setting out their decision and the supporting reasons.  In most cases the certificate and reasons will be sent within four weeks after the appointment.

Everyone’s situation is different.  We encourage you to contact us and we can talk you through any questions you might have. You can also read these fact sheets:

Medical assessment venues and assessors (including review panels)

Assessments are held at a number of locations in the Sydney metropolitan area, rural or regional NSW, and outside NSW.

There are more than 150 medical assessors with their own rooms and specialities. You can also read our venue policy for more detail about the location of medical examinations.

Details of our appointed medical assessors can be found here:

Further information


There is no fee for lodging an application to us and you are not charged for attending one of these medical appointments.

The insurer must pay reasonable expenses (including travel expenses) for you to attend any of these appointments.

If you fail to attend or make a cancellation with less than 72 hours notice, you may be required to pay a cancellation fee. So please contact us as soon as possible if you need to cancel.

Administrative law challenges to medical assessments

Decisions made by us are potentially subject to administrative law judicial review in the NSW Supreme Court. See administrative law challenges for more information.