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Peace of mind for life's moments
Simple, affordable health and wellbeing protection
At Flip, we believe everyone deserves the freedom to live life to the full, knowing you’re protected and supported along the way.
That’s why we’re building a new kind of wellbeing brand for Australians, combining flexible protection with practical ways to look after your health, your smile and your peace of mind.
Backed by
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We're back-to-back winners of the WeMoney Life Insurance Innovation Of The Year Awards
We’re proud to be recognised as back-to-back winners of the WeMoney Life Insurance Innovation of the Year Award in 2023 and 2024.
But for us, the real win is helping more Aussies live with confidence.
Our story
Protection and wellbeing made for today
Flip is the smarter, more flexible way to protect your health and your wallet, without overcommitting.
For too long, looking after your health and wellbeing has felt complicated, expensive or out of reach. There were so many confusing choices, hidden costs and products that didn’t fit your life.
Flip is working to change that. We believe everyone deserves simple, flexible options to protect their health, support their wellbeing and give them confidence for whatever comes next.
Where it all began
Flip was founded in 2021 by HCF, Australia’s largest not-for-profit health fund. We started by launching Australia’s first on-demand accidental injury insurance, making cover flexible and affordable for active lives.
But we didn’t stop there. Listening to our community, we saw a bigger opportunity: to help more people access the care and confidence they need. Not just when things go wrong, but every day.
Evolving from protection to wellbeing
Today, Flip offers a growing range of products designed to make wellbeing easy and accessible for all.
Whether you want fast, flexible cover for life’s accidental injuries or a simple way to stay on top of your dental health, we’re here to help you take charge, without jargon, lock-ins or hidden catches.
Innovation runs deep
Our goal is to change how people can protect their health and wellbeing.
2021
Launched Australia’s first on-demand accidental injury insurance
2022
Introduced Japan Pass for the Japan snowsport season
2023
Updated purchase options to better suit customer needs
2023
Created Group Active, a policy option for event and sport group hosts
2023
By popular demand, launched Flip Kids to cover their injuries
2023
Launched Flip Roaming, our accidental injury insurance option for Australians abroad
We’re not done yet
Every day, we challenge ourselves to keep innovating. We push the limits of what’s possible, filling gaps and reimagining what wellbeing protection can be. We’ve got exciting projects in the pipeline, so watch this space.
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.
Meet the team
We’re climbers, skiers, yogis, cyclists and big-picture thinkers who know firsthand the ups and downs of staying active and healthy.
We started Flip in 2021 to provide insurance cover for active lives - and now, we aim to make health and wellbeing protection simpler, more flexible and more accessible for everyone, whether you’re chasing adventure, looking after your family or just want peace of mind for everyday life.
Our team brings together a passion for innovation, a love of community, and a belief that everyone deserves to live life to the full-supported, protected and empowered to take charge of their wellbeing.
Crystal Petkoff
Acting General Manager
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Sofia Lemaitre
Head of Insurance
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Gus Gambarini
Head of Engineering
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Zac Hancock
Head of Growth
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Leo Hillary
Head of Product
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Kai Yang
Lead Front End Engineer
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Katja Feary
Lifecycle Marketing Manager
Anna Belardo
Growth Marketing Specialist
Tanja Edwards
Product Manager
Rachel Wong
Mid Front End Engineer
Michael Crisostomo
Quality Assurance Analyst
Marlena Kamkolkar
Partnerships Manager
Frequently Asked Questions
Who is Flip?
Flip is an insurance cover provider. We’re owned by HCF Life, a subsidiary of Australia’s largest not-for-profit health fund, HCF. The Flip company was founded in 2021, and we set out on a mission to create insurance that people love by daring to be different.
What makes Flip Insurance different from the others?
Our mission is to create insurance that people love, by daring to be different.
This is how we do it:
- We embrace people with active and adventurous lifestyles
- Our application and quote process is uncomplicated and straightforward
- We’re fully digital, even our claims
- There are no waiting periods
- We pay cash that you can spend however you like
- We don’t exclude you or hike the price up just for you.
Can I trust Flip?
Of course. Flip products are issued by HCF Life, a wholly owned subsidiary of Australia’s largest not-for-profit health insurer, HCF. We’re legit.
Who is Flip for?
Flip currently welcomes people that live in Australia, between the ages of 5 and 64. This includes international students, people on working holiday visas and people on temporary working visas. Unfortunately, you won’t be able to buy our current product if you or your child don't live in Australia or are temporarily in Australia as a tourist.
Should I get accidental injury insurance if I already have Medicare and private health insurance?
We can’t give you personal financial advice. It’s up to you to decide whether Flip is the right fit for you, but Flip accidental injury cover can be suitable if you are looking for a product that provides a cash payout and reduces the financial impact of the accidental injuries covered by it.
In the meantime, here’s a list of some of the things people generally spend their money on when they get injured:
- casting material, moon boots, braces, slings, splints or crutches
- specialist gaps from the physio, dentist or surgeon
- anaesthetist fees
- ambulance fees
- transportation if you can’t drive like Ubers and taxis
- assistance while injured like getting a babysitter, dog sitter or food delivery
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Want to learn more about Flip?
Drop us your email to unlock special offers, learn about Flip and see how we’re helping people do more of what they love.
Privacy: Flip collects your personal information that you provide in this form for the purpose of providing you with information about Flip products, services and promotions. If you don’t provide your email address, Flip won’t be able to contact you about these matters. How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt out of direct marketing, is explained in the Flip privacy policy.