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NDIS explained

What does the NDIS not fund?

Updated 19 October 2026 · Checked against official NDIS and government sources

In plain English

The NDIS does not fund day to day living costs such as rent, bills, groceries, standard furniture, phones and holidays. It also does not fund things other systems are responsible for, including medical treatment, schooling, public housing and employment programs, or therapies the government does not consider evidence based. These exclusions are listed in the NDIS Supports Transitional Rules, in force since 3 October 2024.

The not NDIS supports list

Since 3 October 2024 the NDIS Act has defined what an NDIS support is. Schedule 2 of the NDIS Supports Transitional Rules lists supports that generally are not NDIS supports. If something is on that list, you cannot spend NDIS funding on it, whatever your plan says, unless the NDIA has approved it as a replacement support.

The Act also says three things are never NDIS supports: sexual services, alcohol, and drugs that are illegal to possess.

Everyday living costs

The NDIS pays for the extra costs of disability, not the costs everyone has. The excluded list includes:

  • Rent, bonds, mortgages, rates and utility bills
  • Groceries, takeaway and food delivery (meal services can be claimed for the preparation and delivery part, not the food itself)
  • Standard household items, appliances, furniture and home repairs
  • Phones, tablets, standard computers, internet and phone plans, games and streaming
  • Standard clothing and footwear, hairdressing, cosmetics and manicures
  • Holidays, airfares, event tickets, gym and club memberships
  • Cars, petrol, registration and mechanical repairs (except repairs to funded vehicle modifications)
  • Pets and their costs, other than an approved assistance animal

Things another system pays for

The NDIS is meant to work alongside health, education, housing and other services, not replace them. So it does not fund:

  • Health: diagnosis, medical treatment, hospital care, medicines, prescription glasses, ambulances, and rehabilitation after a recent illness or surgery
  • Mental health treatment that is clinical in nature, including hospital and community mental health services
  • School and further education: fees, tutors, school equipment, adjustments at school or university, camps and excursions
  • Employment programs and the adjustments employers are responsible for
  • Public and social housing, homelessness services, public transport and community infrastructure
  • Child protection, childcare fees, general parenting programs and general family therapy
  • Aged care fees and the care a residential aged care home provides, with some exceptions for people who entered before 65

Therapies the NDIS excludes

Some therapies are excluded because they are not considered evidence based. The list names, among others, crystal therapy, reflexology, aromatherapy, sound therapy, yoga therapy, wilderness therapy, animal therapy, hypnotherapy, neurofeedback, kinesiology, reiki, life coaching and massage that is not delivered by an allied health professional for a disability related purpose.

This does not mean all similar sounding supports are out. Therapy from allied health professionals, such as occupational therapy, physiotherapy, psychology and speech pathology, remains an NDIS support when it relates to your disability.

Where the line is less obvious

The word standard matters. A standard chair is out, but furniture adapted for your disability can be an assistive product. Standard clothing is out, but modified or adaptive clothing is in. Groceries are out, but modified foods, including those used for tube feeding, can be NDIS supports.

Health is similar. Treatment of a health condition is the health system's job, but help to manage a health condition because of your disability, such as dysphagia, continence or wound care support, can be funded as a disability related health support.

What changed in 2026

In August 2026 the government proposed updated Rules. It suggested adding a few items to the excluded list where there had been disputes: electronic noise cancelling headphones, fencing and gates, hair styling tools, hydrogen fuel and electric vehicle charging costs, and scuba therapy. It also proposed making clear that animal assisted therapy can be funded when delivered as part of therapy by a qualified allied health professional. Consultation closed on 14 October 2026 and these are not final.

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Common questions

Does the NDIS pay for rent?

No. Rent, bonds and mortgage costs are everyday living costs. The NDIS can fund Specialist Disability Accommodation for eligible participants, but you still pay a reasonable rent contribution.

Does the NDIS pay for gym memberships?

Gym and club memberships are on the excluded list. Exercise physiology or physiotherapy that relates to your disability is a different thing and can be funded.

Does the NDIS pay for medical treatment?

No. Diagnosis, treatment, hospital care and medicines are the health system's responsibility. The NDIS can fund disability related health supports that help you manage a condition because of your disability.

Can the NDIS pay for a phone or tablet?

Phones and tablets are on the excluded list, but you can apply for one as a replacement support if it would replace a support you already have and meets the conditions. Get written approval before you buy.

What happens if I spend NDIS funding on something that is excluded?

The NDIA may ask you to pay the money back. If you are unsure whether something is covered, ask your plan manager or the NDIA before you buy, and keep the answer in writing.

Sources

This page is general information, not advice about your plan. NDIS rules change, so check the NDIA or your plan manager before making decisions.

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