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For the moment
Peace of mind for your wellbeing
Life is about moments that matter. Pushing yourself to go further, faster, higher. Breathing fresh air, watching sunrises. We’re here to help you enjoy every moment, whatever life stage you're in.
Flip is the smarter, simpler way to protect your health and your wallet—without overcommitting.
We’re here for the moment—and for whatever comes next.
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 announce that we've won the 2023 and 2024 WeMoney Life Insurance Innovation Of The Year Award for our products. Recognised for our short-term, on-demand coverage model, we've changed the way people think about insurance by making it move relevant and accessible.
Our story
Insurance made for today
We exist to help you enjoy more of the moments that matter.
Up until now, insurance has been expensive, confusing and inflexible. We’ve heard too many times that people can be covered for all sorts of things they’d never need, at times they didn’t need it, or not covered when they needed it the most.
That’s why we created Flip. We believe everyone should have access to affordable, flexible cover that protects them from the financial impact of accidental injuries so they can get out there and do more of the things they love.
Where it all began
Flip was founded in 2021 by HCF, Australia’s largest not-for-profit health insurer, to help underinsured Australians protect themselves from the financial pain of injuries.
Innovation runs deep
We've completely changed how people can protect themselves from unexpected injury costs with our Australian-first, pay-as-you-need cover.
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. We want to fill insurance gaps in new ways to protect our customers better. We’ve got some exciting projects in the pipeline, so watch this space.
Meet the team
We’re climbers, skiers, yogis, cyclists and big-picture thinkers who know firsthand the highs and lows of an active lifestyle. We started Flip Insurance in 2021 to provide simple, flexible, affordable cover to protect under-insured adventurers.
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.