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.
It is a type of personal insurance that provides cover if you have an injury from an accident. Flip has a range of accidental injury insurance products that offer cash payouts for eligible accidental injuries that happen whilst you're covered. There are no waiting periods and no cancellation fees. You can use your cash however you like, whether it’s on medical costs that aren’t covered by your insurance, Ubers to your appointments, or getting a babysitter or food delivery while you’re out of action. Whatever works for you.
Our mission is to create insurance that people love, by daring to be different.
This is how we do it:
On-demand means you can buy and manage your insurance with just a few clicks and use it when you need it. It also means we don’t have any waiting periods. When you turn your insurance on, it starts straight away or on the scheduled date you decide.
If you’re unlucky enough to find yourself in an accident straight after turning your insurance on, and you’ve suffered an injury (or injuries) that we cover, you can go ahead and submit a claim. And because we’re fully digital, you’ll be able to do this in just a few clicks. Just be sure to have the evidence of your accident and injuries on hand, as we’ll need you to take pics of that. Head to the Claims page to learn more about our claims process.
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.
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:
Flip Kids (ages 5-17)
Must be bought by the kid’s parent or legal guardian. If you’re within this age range and want to be covered, chat to your parent or legal guardian about getting covered with Flip.
Flip Active (18-64)
If want to buy Flip Active, you can only buy that to cover accidents that happen to you - not accidents that happen to other people.
Flip Roaming (ages 5-64)
You can buy Flip Roaming on behalf of a child aged 5-17 living in Australia, if you are their parent or legal guardian.Flip Roaming can’t be purchased on behalf of another adult, or another child who is not your child.
For a Group (Group Active)
We also offer Group Active Policies for events, groups, teams or clubs. If you’re interested, reach out at partnerships@getflip.com.au.
If you’re wanting insurance solely for motorcycling accidents (including dirt biking), please consider if this is the right insurance for you.
This is because we don’t cover accidents that happen while riding a motorcycle.
One of the few things we don’t cover are accidents that happen while working.
We do have an exception to this rule, which is if your job is sport related such as a sports coach or professional athlete.
If you’re wanting insurance solely for accidents at work, and your job is not sports related, please consider if this is the right insurance for you.
We can’t tell you what to do, but here are just some of the features of Flip accidental injury insurance that you might want to consider when deciding whether to buy:
Flip Active and Flip Kids
Can cover you in Australia or New Zealand.
Flip Roaming
Can cover you in Canada, Japan, Indonesia, Fiji, Switzerland, Norway, All member countries of the European Union (at the time you purchase the cover), and the United Kingdom.
We cover most activities, so it’s easier to list the few activities we don’t cover:
Here’s just some of the many activities you can be doing:
We could go on and on, but you get the idea.
We cover most activities, so it’s easier to list the activities we don’t cover:
Our accidental injury insurance covers - you guessed it - injuries that happen because of an accident.
We cover a wide range of accidental injuries. Check out our PDS for the full details.
This is just a summary. Check out our PDS for the full detailed list.
An Accident is a sudden, unexpected event i.e. you can pinpoint the precise time and location of when it happened.
An Accidental Injury / Injury is an acute injury or other physical damage to a person’s body that is caused by an Accident, and is unintentional.
It doesn’t include:
There isn’t one. You’re covered for a range of accidental injuries that happen while your insurance is on.
You’re not covered for anything that happens before your insurance starts or after it ends.
To see when your insurance starts or ends, head to your Flip Dashboard and look for your Certificate of Insurance.
Once we’ve paid you at least $50,000 in cash payouts for Flip Active or Kids, or $70,000 for Flip Roaming, your insurance will end and you won’t be able to buy more of Flip’s accidental injury insurance.
A Registered Doctor is a medical practitioner who is registered or licensed to practise medicine or dentistry by the relevant licensing body in the country where they are practising.
Examples of professionals who would be considered a Registered Doctor include general practitioners, surgeons and emergency department doctors. Physiotherapists are not Registered Doctors.
Click here to find out more about making a claim.
Check out our How to Claim page here.
Click here to find out more about making a claim.
You can use your cash however you like.
Here’s a list of some of the things people generally spend their money on when they get injured:
No. With Flip accidental injury insurance, you’re covered for a range of accidental injuries that happen while your insurance is active.
This means you’re not covered for anything that happens before your insurance starts or after it ends.
To see when your insurance starts or ends, head to your Flip Dashboard and look for your Certificate of Insurance.
When you submit your claim, you’ll need to provide proof of your accident and injuries, including where and when they happened.
Flip accidental injury insurance covers injuries caused by accidents. Illnesses, health conditions, or injuries not caused by accidents aren’t covered.
Once your claim is approved, we’ll organise the cash straight away. Whilst we hope the money gets to you ASAP, this can depend on your bank and business hours.
We’ll never take more than 5 business days to send your cash once your claim is approved.
We're so sorry to hear that. Please contact our helpful team so we can kick-start the process for you.
If you purchase a single day or single week, your cover will end that same day or week and you won’t be charged for anything more unless you buy more cover. Some promo codes can be used to go towards a monthly subscription, so if you apply your discount to that you might need to cover the remaining amount and then a monthly subscription will continue at $40 a month.
If you don’t want to keep your insurance beyond the period covered by the discounted rate, head to your Flip Dashboard to cancel your insurance. Do this before the end of the period concerned.
Yes, as long as you meet our age and residency criteria. Simply head to your Flip Dashboard.
Easy! Just head to your Flip Dashboard to cancel.
If you cancel a monthly subscription, you'll be covered until the end of that month. So, if your billing cycle starts on the 3rd of the month and you cancel on the 5th of the month, you’ll still be covered for accidents until 11.59pm on the 2nd of the following month.
You can cancel day cover or week cover before the cover start date for an automatic 100% refund.
We’d love to hear what you think and if you have any feedback, get in touch with us here.
We take complaints seriously at Flip. Please email resolutions@getflip.com.au with your full name, best contact details, customer number (if you have one) and the nature of your complaint.
Email us at help@getflip.com.au and provide us with these details:
Log in to your Flip account and head to your Profile. Click ‘Manage billing and payments’. From here you can update your payment details.
If you have a question that we haven’t answered on this page, hit us up at help@getflip.com.au.
Contact us directly via the web chat on this site or email our helpline.