Kids riding snowboards down a snow covered slope.

Important update about Flip

At HCF, we believe the future of healthcare relies on innovative, forward-thinking solutions to improve the health outcomes of Australians. We actively champion innovation in this space; that's why we launched Flip Insurance, Australia's first on-demand accidental injury insurance.

After five years of Flip, we’ve made the decision to transition away from this product line and focus on new opportunities to innovate. Consequently, from 1 August 2026, Flip insurance products will no longer be available for new purchases or subscription renewals. 

To our customers and partners, past and present, thank you for believing in our vision and for all your support. It’s been an absolute privilege.

If you’re an existing customer, your policy remains active and unchanged and continues to be underwritten by HCF Life. Claims processes remain unchanged. If you have a claim, you can continue to lodge that with us through the mobile app. Please refer to your PDS for your cover details.

If you’re a participant in a Flip-covered event and you’ve registered with an Event Code, please visit Register with your Event Code. From there, you can easily view your active cover details and see exactly how to make a claim.

Alternative personal accident insurance products are available via the HCF Life Recover Cover range.

If you have any questions, our team is right here to support you.

Take care,

The Flip Team

Confidence, in every moment

Flip helps you to embrace life's moments with simple, affordable insurance and easy access to preventative dental care, backed by the strength of Australia's largest not-for-profit health fund, HCF.

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4.7
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Who do you want to look after?

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Short
Cover for short, occasional events.

Long
Cover for longer sporting seasons and those who are constantly active.

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Flip Insurance is trusted by major brands

65,000+ participants covered at 150+ events

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What Flip Insurance users are saying

Consumer
It’s all explained in very plain English, so it’s simple to understand. This is what we cover, this is what we don’t, this is what you get. It’s good like that. And claims were quick, the questions were pretty simple, and the payment time was fast.
Scot | Skier
Consumer
When I buy Flip, I feel like I have done everything I can to protect myself. It's convenient, it's inexpensive, and most importantly, it gives me peace of mind every time I hit the water.
Enrico | Surfer
Consumer
My claim was processed and approved within a couple of hours. A very positive insurance experience which is a rarity nowadays! Well done to the Flip team!
Bodhi S | Skateboarder
Consumer
Putting in a claim and switching on your cover is super simple. I highly recommend Flip to anyone who is active and loves extreme sports.
Carter G | Snowboarder
Consumer
I received great service from Flip, the communication was clear and professional and they helped me out when I needed it. The coverage is great, it covers all it needs to!
Dougal | Mountain biker
Consumer
Signing up literally took less than two minutes. Being able to cancel when I don’t need it and get cover again when I do is perfect for my lifestyle.
Marie | Yogi | Runner | Cyclist
Consumer
I’m always skeptical of insurance products and it being too good to be true, so need to find the catch. Not this time, Flip's the real deal.
Stitch | Runner | Boxer | Noob mountain biker
Consumer
I feel super protected with Flip because it helps with out of pocket gaps and random expenses. I wouldn’t be without it for the peace of mind.
Ege | Soccer player | Indoor rock climber | Snowboarder
When I decided to go with Flip, I didn't really put my race director hat on. I put myself in the runners' shoes, and it just felt like a no-brainer. As a runner, it's pretty cool knowing that if you go into a race and injure yourself, you've got some coverage. And as a race director, it just shows that you care about your runners. The consumer almost doesn't know they're paying a little bit more for something that's extremely valuable.
Mat Doré | Event Director, Riverina Trail Running Series
Flip has demonstrated an ability to be nimble and responsive to our needs as an event organiser, and the needs of our event participants.Adding Flip coverage to our event participants, or making it simple for them to purchase themselves have been great value adds to our events.
Jordan | Director, O2 Events
I set out to find the best insurer to cover our members and I found them! Flip Insurance has gone above and beyond for our members whenever they have an injury. Every claim has been paid out straight away, very happy with the service.
Harrison | Founder, Soso Sports
I contacted the Flip team because I wanted to change the way we approach athlete welfare. Working with Flip was about covering people at events rather than leaving them stranded with a waiver form. The team at Flip has the same mentality around wellbeing, so we have a synergy and our partnership has been hugely productive and positive.
Donny | Head of Partnerships, Pacific Action Sports & The Rumble

Why Flip?

Flexible

Choose the cover or care that fits your life - no lock-ins or wasted extras.

Instant

Get started in minutes. Access protection or dental care on your terms, right away.

Digital

Sign up and manage your cover, vouchers and claims all from the Flip app.

Affordable

Pay only for what you need, with upfront pricing and no surprises.

Simple

Easy to understand, jargon-free and built for real life.

Trustworthy

Backed by HCF, Australia's largest not-for-profit health insurer.

Dental voucher

Priya | First check-up in years

Priya always dreaded the dentist. Uncertain costs and dental anxiety kept her away. A Flip Dental voucher gave her the confidence to finally book her check-up.

National
average cost
Flip
Comprehensive check-up
$71
Scale and clean
$111
Fluoride application
$38
Two bitewing x-rays
$94
TOTAL
$314
$249
You can save $65*
Dr Victoria Capp headshot image
"Everyone deserves access to dental care. We want to ensure a healthy smile is within reach for all Australians."
Dr Victoria Capp
Clinical Manager, HCF Dental
HCF Dental Centre dentist and patient
HCF Dental Centre dentist and patient