Got questions?

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 accident insurance that you can turn on and off as you need. You get a cash payout for approved claims if you suffer an eligible accidental injury. 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:

• 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.

On-demand accidental injury insurance means you can buy and manage your insurance with just a few clicks and use it only when you need it. It also means we don’t have any waiting periods. When you turn your insurance on, it starts straightaway 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.
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Unfortunately, you won’t be able to buy our current insurance products for anyone who:
- doesn't live in Australia
- is temporarily in Australia as a tourist

Yes, you can purchase Flip Active and Flip Roaming cover for your family and your friends, as long as they are eligible to be covered (this just means they need to live in Australia and are aged 5-64).

• When you purchase cover for another adult, we'll get them to register their own account to confirm their policy details and submit their own claims.
• Any purchases for kids 5-17 must be bought by a parent or legal guardian.‍

Group Active: Group Active Policies are for events, businesses, 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:

• Not everything is covered by Medicare or private health insurance, so having Flip accidental injury insurance can take the sting out of these unexpected costs.
• You don’t need to have your insurance turned on 24/7 if you don’t need it on 24/7. You might want to cover yourself for a training week in the lead up to a competition, and turn it off after that.
• We’re fully digital. No complex application processes or long paper forms for claims.

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. To view the full list of Covered Destinations, click here.

We cover most activities, so it’s easier to list the few activities we don’t cover:

• motorcycling (which includes dirt biking)
• anything illegal
• accidents while working (unless your work is sports related e.g. sports coach or professional athlete)
• anything outside of a covered country

Here’s just some of the many activities you can be doing:

• horse riding
• surfing
• paragliding
• chess playing
• MTB riding
• walking
• lead climbing
• boxing
• karate chopping
• deep sea diving
• running
• skiing
• snowboarding
• snowmobiling
• e-biking
• skateboarding
• pogo sticking...

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:

• motorcycling (which includes dirt biking)
• anything illegal
• accidents while working (unless your work is sports related e.g. tennis coach)
• anything that happens outside of a covered country

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.

• Injuries that existed before your insurance was turned on
• Injuries not caused by an accident, like:
• Wear and tear or overuse injuries (e.g. shin splints, bursitis, chronic shoulder instability or tennis elbow)
• Medical stuff. For example, if you have a heart attack and knock your head on the way down, that’s not covered
• Anything that’s not an injury, such as an illness.

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:

• chronic injuries, like injuries from overuse, repetitive motion or wear and tear
• accidents that happened before your insurance started or after it ended and pre-existing injuries
• medical episodes or medical conditions like illnesses
• injuries caused by surgery or medical care

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 medical practitioner, dentist, physiotherapist or podiatrist that is registered or licensed to practice by the relevant licensing body of the country where they are practicing.

Flip Dental products (like Total Check-up) are one-off prepaid vouchers that provide adults (18 years and older) with access to dental services at an HCF Dental Centre. For Total Check-up, services include a comprehensive dental check-up, scale & clean, fluoride application, and two intraoral (bitewing) x-rays, if required, at any HCF Dental Centre across Australia.

1. Purchase a Flip Dental voucher.

2. Receive your digital voucher.

3. Book an appointment at any HCF Dental Centre.

4. Present your voucher at your appointment - no extra payments are required for the covered services.

Find your nearest HCF Dental Centre here. Call your preferred dental centre location to make a booking, mention you are booking for a Flip Dental appointment and provide your voucher reference number.

We recommend booking your appointment as soon as possible. Wait times can normally be up to 4-8 weeks, depending on the dental centre location (some centres are busier than others).

Flip Dental Total Check-up is available for a one-time purchase of $249.

No, Flip Dental is a prepaid service that helps you plan ahead with no unexpected costs.

No, Flip Dental provides direct access to dental services through a prepaid voucher rather than an insurance claim or rebate.

No, Flip Dental provides access to pre-set dental services and only those specific services. 

Anyone who lives in Australia, is over the age of 18 and who does not hold HCF Private Health Insurance Extras Cover or Private Health Insurance cover for preventative dental services with another health insurance provider.

Flip Dental Total Check-up includes a comprehensive dental check-up, scale & clean, fluoride application, and two intraoral (bitewing) x-rays, if required, at any HCF Dental Centre nationwide.

No, Flip Dental vouchers are only redeemable at HCF Dental Centres. You can find your nearest HCF Dental Centre here.

No, you won’t be charged for the prepaid and covered services when you present your Flip Dental voucher. If additional treatments are needed, your dentist will provide a quote and only proceed if you approve.

Flip Dental is available at all HCF Dental Centres across Australia. You can find your nearest HCF Dental Centre here.

No, Flip Dental is a prepaid product and does not offer refunds for unused vouchers.

Flip Dental vouchers are valid for a period of 12 months from the date of purchase and must be redeemed within that time.

If an HCF Dentist recommends further treatments outside of those available through Flip Dental, you are free to decide where and when you get those treatments. If you choose to do so within an HCF Dental Centre, you will be treated as an individual patient under standard HCF Dental Centre terms.

At the moment, only Flip Dental Total Check-up is available for purchase. Keep an eye out for new products in the future.

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:

• casting material, moon boots, braces, slings, splints or crutches
• specialist gaps from the physio, dentist or surgeon
• repairs to any gear that may have been damaged
• help with meals, extra groceries and food delivery
• transportation if you can’t drive like Ubers and taxis
• assistance while injured like getting a baby sitter or dog sitter

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'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.