We’ve updated our insurance:
see what’s new

24 September 2025

This information summary is for Flip customers who have a Flip Active monthly subscription under PDS version 3.0.

The subscription will renew onto the latest PDS available at the time we send your renewal notice. Copies of each PDS can be found here. You can check which PDS version you currently have by logging into your Flip Dashboard via our app.

Below is a summary of the key differences between Flip Active PDS v3.0 and Flip Active PDS series 4 (v4.x) for monthly subscriptions.

For the full terms and conditions, it is important that you read the latest Flip Active PDS.

Now offering annual subscription

Before (v3.0): One year of insurance, billed monthly at $40 ($480 over 12 months).
Now: You now have the option of having one year of insurance, billed once upfront at $299, saving you $181 per year compared to a monthly subscription.

Simplified benefits

Before (v3.0): Payouts are based on the severity of the injury, which was determined by the type of treatment required.
Now: Payouts are now based on injury type – refer to the table of benefits below.

Different limits

Before (v3.0): You could claim multiple different benefits per accident, up to $50,000.
Now: You can claim one benefit per accident up to $50,000. We’ll pay the highest benefit you’re eligible for.

You can now see a physio or podiatrist

Before (v3.0): “A medical practitioner or dentist that is registered or licensed to practice medicine or dentistry by the relevant licensing body in the country where they are practicing.
Now: “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.”

Protect your friends and loved ones

Before (v3.0): You could buy cover for yourself or for your child (aged between 5 and 17).
Now: You can now also buy cover for another person aged between 18 and 64.

Submitting your claim

Before (v3.0): Have a Health Professional confirm that you meet one or more of the benefits within 6 months of your Accident.
Now: You just need to submit your claim within 6 months.

Benefits

Accidental Injuries		Payout
Fractures	Simple, non-displaced or minimally displaced fractures	$400
	Spinal fractures	$800
	Displaced fractures or open fractures	$2,500
Sprain and Strains	Partial tearing of a ligament, muscle or tendon	$400
Sprain and Strains	Complete tearing of a ligament, muscle or tendon	$2,200
Dislocations	Dislocation	$200
	Dislocation associated with partial tendon or ligament tears and/or simple, non-displaced fractures	$600
	Dislocation associated with complete tendon or ligament tears and/or displaced fractures	$2,500
Head Injuries	Concussion	$200
	Traumatic Brain Injury with neurological symptoms lasting more than 24 hours	$5,000
	Traumatic Brain Injury with neurological symptoms that are persistent 1 month after the injury	$25,000
Spinal Cord Injuries	Spinal Cord Injury	$5,000
Spinal Cord Injuries	Spinal Cord Injury that results in an inability to move two or more limbs that is persistent 1 month after the injury	$50,000
Dental Injuries	Chipped tooth	$200
	Single knocked out-tooth	$800
	Multiple knocked out-teeth	$2,000
Other Injuries	Wounds that extend deep into underlying tissue, involving muscles, tendons or bones	$400
	Internal Injuries; rupture of internal chest or abdominal organ	$5,000
	An Accidental Injury that results in the loss of a hand, arm, foot or leg	$50,000

Full details of this insurance can be found in the Product Disclosure Statement (PDS)