Got questions?

Flip offers accidental injury insurance cover, which is issued by its owner 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 Dental products (like Total Check-up) are one-off prepaid digital passes 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 digital pass.

2. Receive your digital digital pass.

3. Book an appointment at any HCF Dental Centre.

4. Present your digital pass 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 digital pass 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 digital pass 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 digital passes 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 digital pass. 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 digital passes are valid for a period of 12 months from the date of purchase and must be redeemed within that time.

If an HCF Dentist or Hygienist 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.

Claims are can be submitted digitally in our Flip Insurance mobile app. Click here to find out more about how to make 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.