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How to make a claim
Simple claims so you can focus on recovery
With our Flip Insurance mobile app, we’ve made claiming as painless as possible to help you have your claim approved and get cash in your pocket.
We’ve taken the pain out of claiming
Making a claim is easy, quick and digital. No complicated, lengthy or old-school paperwork — just a secure and streamlined process handled through our Flip Insurance app.
Bespoke Claim Journey
Your insurance needs are unique, and so is your claim journey. Whether you’re claiming under Flip Roaming, Flip Kids or Flip Active, we’ll guide you through the process efficiently.
Instant Coverage Verification
We know your time is precious and that you won't want to waste time on claims that won’t be covered. Our app instantly verifies whether your cover was active at the time of the accident.
Guided Experience
We want to approve your claim. So, in our app you’ll find clear instructions on the evidence needed to process your claim and how to directly upload photos to support your claim.
Secure Information Handling
We take your privacy and security seriously. Our app is encrypted to give you the confidence to know that your personal information and claim details are secure.
Streamlined Claim Submission
No need to re-submit additional claims for an accident you've already reported. Easily submit additional claims related to a previous accident without having to recount the details all over again.
Save and Resume Drafts
Life is busy, and we understand that. That’s why you can save and resume your claim drafts. ‘Come and go’ as you please, without losing any progress.
88%
of claims assessed were approved
86%
of claims assessed within 5 days
$1,032
average claim payout
*in the past 12 months to April 2025, across all Flip products
Frequently Asked Questions
How can I use the cash payouts?
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
- anaesthetist fees
- ambulance fees
- transportation if you can’t drive like Ubers and taxis
- assistance while injured like getting a baby sitter, dog sitter or food delivery
My Flip accidental injury insurance wasn’t turned on at the time of my accident. Can I claim?
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.
How do you know when I had my injury?
When you submit your claim, you’ll need to provide proof of your accident and injuries, including where and when they happened.
I have an illness or health condition. Can I claim?
Flip accidental injury insurance covers injuries caused by accidents. Illnesses, health conditions, or injuries not caused by accidents aren’t covered.
When will I get my claims payout?
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.
I’m making a claim on behalf of a Flip customer who is badly injured and can’t make the claim themselves. Where do I start?
We're so sorry to hear that. Please contact our helpful team so we can kick-start the process for you.
Who is considered a Registered Doctor?
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.
What are the maximum claim limits?
Once we’ve paid you $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 further cover under Flip’s insurance product range.
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