We're currently working on a couple of scheduled maintenance tasks. If you have any questions please reach out to us at help@getflip.com.au
Enquire now
Thanks for your enquiry. Check your inbox to see how we can help.
Flip it
For business
Events
Groups
Flip Group Active
Prioritise participant safety and wellbeing with group accidental injury insurance. Easy to integrate, simple to manage, and designed to enhance your sports events, teams, community groups, and active businesses.
- Two options of cover to choose from.
- Optional ambulance cover for added support.
- Cover most activities from marathons to backcountry skiing and more.
- Cash payouts paid within a few business days.
- Pay-as-you-go flexibility.
- Off-piste skiing
- Back country skiing
- Adventuring
- Snowboarding
- Recreation
- Rugby
- Surfing
- Marathon
- Triathlon
- Basketball
- Sports competition
- Skateboarding
- Off-piste skiing
- Back country skiing
- Adventuring
- Snowboarding
- Recreation
- Rugby
- Surfing
- Marathon
- Triathlon
- Basketball
- Sports competition
- Skateboarding
- Off-piste skiing
- Back country skiing
- Adventuring
- Snowboarding
- Recreation
- Rugby
- Surfing
- Marathon
- Triathlon
- Basketball
- Sports competition
- Skateboarding
Google rating
4.8
.svg "Life Insurance Innovation of the Year 2024"){kind=small}
Backed by
Why Group Cover?
While most sports are safe and exciting, accidents can happen anytime, anywhere — from gyms and run clubs to sports events and tournaments. Flip Group Active keeps your participants protected during the unexpected. Our simple, flexible, and affordable group insurance covers the financial impact of accidental injuries and enhances your participants’ experience. We make it easy to show that their safety and wellbeing come first — building trust, loyalty, and confidence in your organisation.
Insurance that wants to pay your participants
Our fixed cash-in-hand amounts mean your participants know what they’re eligible for — whether you select Group Starter or Group Elite.
What your participants are covered for
We handle claims directly with participants - letting you focus on running your event, club or business.
Your covered participants are eligible for a benefit if they suffer an Accidental Injury that meets one of the descriptions in the Benefits table as determined by a Health Professional.
- For one Accident they can qualify for one benefit type
- If they suffer multiple Accidental Injuries from the same Accident, we will pay the highest benefit they qualify for.
Group Starter
Cash payouts up to $25,000
Group Elite
Cash payouts up to $50,000
Benefits
Accidental Injuries | Elite | Starter | |
|---|---|---|---|
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 | $25,000 |
Spinal Cord Injury | $5,000 | $2,500 | |
Head Injuries | Traumatic Brain Injury with neurological symptoms that are persistent 1 month after the injury | $25,000 | $12,500 |
Traumatic Brain Injury with neurological symptoms lasting more than 24 hours | $5,000 | $2,500 | |
Concussion | $200 | $200 | |
Fractures | Displaced fractures or open fractures | $2,500 | $1,250 |
Spinal fractures | $800 | $400 | |
Simple, non-displaced or minimally displaced fractures | $400 | $300 | |
Sprain and Strains | Complete tearing of a ligament, muscle or tendon | $2,200 | $1,100 |
Partial tearing of a ligament, muscle or tendon | $400 | $300 | |
Dislocations | Dislocation associated with complete tendon or ligament tears and/or displaced fractures | $2,500 | $1,250 |
Dislocation associated with partial tendon or ligament tears and/or simple, non-displaced fractures | $600 | $400 | |
Dislocation | $200 | $200 | |
Dental Injuries | Multiple knocked out-teeth | $2,000 | $1,000 |
Single knocked out-tooth | $800 | $600 | |
Chipped tooth | $200 | $200 | |
Other Injuries | An Accidental Injury that results in the loss of a hand, arm, foot or leg | $50,000 | $25,000 |
Internal Injuries; rupture of internal chest or abdominal organ | $5,000 | $2,500 | |
Wounds that extend deep into underlying tissue, involving muscles, tendons or bones | $400 | $300 | |
Full details of this insurance can be found in the Product Disclosure Statement (PDS)
97%
of finalised claims were accepted
85%
of claims assessed within 5 days or less
Over
$1,102
average claim payout
*in the past 12 months to November 2025, across all Flip products
The key differences between Public Liability Insurance and Flip Group Active
 Personal Accident Insurance | ||
|---|---|---|
Protects who? | Protects the organiser or business | Protects participants, players, volunteers |
Covers what? | Covers legal costs and compensation if you’re found negligent. | Covers common injuries from sprains and fractures to head injuries and more. |
Pays who? | No payment to injured participants unless you’re legally at fault. | Pays cash to the person who’s hurt, no matter who’s to blame. Helps with recovery costs and no legal process required. |
How Flip Group Active enhances your business
Easily integrate accidental injury cover into your core offer to add value and build customer loyalty
Encourage increased Pparticipation
Attract new customers and encourage repeat visits with better protection and peace of mind.
Pay-as-you-go flexibility
Pricing can be set incrementally right down to per-person, per-day. Pay for only what you need.
More value for your customers
Integrating group insurance adds value and a point of difference to help you stand out.
Simple all the way
100% digital, no jargon, simple claims process and fast cash payouts for eligible claims.
Streamlined admin
Easy to set up and run. Customers claim directly with us with no involvement needed from you.
Get on the front foot
Don’t wait for a sticky situation to arise. Act now and help protect your customers.
Trusted by major brands
Flip has partnered with major brands such as Red Bull, Thredbo, Tough Mudder, Spartan Race, Rugby teams, youth skateboarding events, and others.
With over 65,000+ participants covered at more than 150+ events since 2023, Flip has demonstrated its reliability and commitment to providing valuable cover. Additionally, Flip is backed by HCF Life, which is owned by Australia's largest not-for-profit health insurer, HCF.
.png)
Case studies
How Flip builds the experience
Enhancing the experience & boost participation
Including Flip cover in an entry fee doesn't just provide financial protection, it changes the way participants feel about the event.
Cam Taylor, organiser of the Brisbane Roubaix cycling event, saw this firsthand.
For Cam, Flip became part of creating a well-rounded experience. Beyond logistics and marketing, adding insurance positioned his event as safe, thoughtful, and participant-first.
The result? Rider trust, elevated experience, and double the participation compared to the previous year.
Peace of mind in practice
The impact of Flip is clear when you ask participants.
At an O2 Events survey of Flip-covered riders:
- 88% gave positive feedback about having automatic accidental injury cover.
- The most common words used:
"safe" - "good" - "reassured"
The impact of Flip is clear when you ask participants.
When participants feel valued and cared for, they engage more deeply with the event, and are more likely to return.
"You feel an obligation to look after your riders and give them protection in case something happens. I'd say it's a must-have. It's just the right thing to do. You need to look after them, even though they're responsible for their own risk and actions."
Testimonial
"Spartan Race included Flip's injury cover as part of the entry fee. When I hurt my ankle during the race, I was stoked because I had cover without having to think about it. I was surprised how smooth and fast it all was. Submitting a claim was straightforward, and I got $200 cash within a day or two. It helped cover everyday expenses while I got back on my feet."
Testimonial
Easy claims and fast payouts for your participants
To create insurance people love, we've made claiming as easy as possible. Just follow these simple steps and we'll get them paid asap.
Activate your Flip cover before you get injured
1
See a Health Professional and gather evidence
2
Submit your claim in the app within minutes
3
Get paid cash. Most claims approved within a few business days
Cover while doing (almost) anything. However, there are some things we don't cover...
Motorcycling +
If you're injured as a result of riding a motorbike.
Some dental injuries +
A dental injury caused by food or drink, including any foreign object in it while being consumed.
War +
If you are injured as a result of an act of war, whether declared or not, hostilities, civil commotion, terrorism or insurrection.
Being under the influence of alcohol +
Injuries that happen while being over the prescribed alcohol limit for driving a motor vehicle according to the relevant state or territory limit.
Medical +
Injuries or accidents caused by a medical condition, medical episode, medical procedure or related complication.
Intentional self-injury or attempted suicide +
If you intentionally cause your injury or do something with the intention of injuring yourself e.g. popping your own shoulder out.
Illegal acts +
e.g., riding an e-scooter in a way that is against the law, assaulting someone, or solo paragliding without the relevant certification.
Taking illicit drugs or taking medication not as directed +
Being under the influence of alcohol, taking illicit drugs, or taking medication in a way not as directed.
Injuries that happen gradually over time +
e.g., overuse injuries, such as tennis elbow, runner’s knee, or shin splints.
Medical procedures or related complications +
Accidents or injuries that are caused by medical procedures or related complications.
Natural disasters +
Injuries that happen as a result of catastrophes resulting from natural processes, such as avalanche, earthquake, flood, bush fire.
Flip can be used for
For Businesses & Organisations
Add value for your customers or staff by offering accidental injury cover during your programs, activations, or member experiences.
For Clubs & Teams
Keep your players covered during training and competition. Flip helps show you value player wellbeing while reducing admin.
For Sports Events
Protect participants and enhance your event experience with built-in injury cover that gives runners, riders, and competitors peace of mind.
Ready to get started?
Why Flip?
By choosing Flip Insurance, you demonstrate your commitment to improving protection for your participants, building loyalty, and creating an attractive, worry-free event environment.
Join the forward-thinking event organisers who have already made the switch.
Complete this short form to find out how we can tailor a group insurance plan for your business.
Thanks for your enquiry. Check your inbox to see how we can help.
.webp)
.webp)
%2520(2).webp)
Frequently Asked Questions
How much does Flip's Group Active insurance cost my participants?
Your customers don't need to pay anything directly to Flip for this insurance cover, because you, as the policy owner, are the one obtaining this cover for their benefit (where eligible).
How much does group personal accident insurance cost my business?
Our pricing is based on per person per day, depending on the volume of customers you are insuring, and the risk associated with the primary activities included in your policy.
This pricing is cheaper than our direct to consumer pricing, which is $7 per day. Generally, the more you insure, the cheaper it gets.
We can also offer discounted weekly or monthly pricing for you when it is more economical for you to insure your customers in this way.
Why should I get Flip Active group accidental injury insurance for my customers?
With so many choices, potential customers are more likely to choose businesses that genuinely look after them.
By protecting your customers from unexpected accidental injury costs with our simple, transparent, customer-centric insurance, you’ll add a point of difference and add value for you and your customers.
Do you offer other insurances like Public Liability insurance?
Flip Insurance does not offer Public Liability Insurance and is not authorised to provide any financial product advice on or to deal with Public Liability Insurance.
I've never heard of Flip. Who backs it and how do I know I can trust a new insurance provider?
Flip is backed by HCF Life, which is owned by Australia's largest not-for-profit health insurer HCF, which covers over 2 million members all over the country. We’re legit.
Can you show me how Flip Group Active compares to other group personal accidental injury insurance?
Just ask us for more detail on the below:
- Genuine Value with cash payouts for end customers
- Simple and direct pricing — no hidden fees
- Reduced claims admin for both business and customers