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Accidental Injury Insurance
Want protection for your most active days?
Have peace of mind with short-term personal insurance for you or your kids. Get cover for accidental injuries. Pay only when you need cover.
Activate instantly or schedule up to 12 months ahead, with no waiting periods or lock-in contracts.
If you or your kids get injured in an accident, lodge a claim and get cash payouts for eligible claims.
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Why Flip?
On-demand
Turn cover on when you need it, turn it off when you don’t.
No waiting periods
Get instant cover in a few taps, no quotes or delays.
Designed for speed
100% digital. Lightning-fast sign-up, claims and payouts.
Easy to understand
Straightforward without the jargon. No hidden catches.
On your side
We want to pay your claims and avoid confusing you.
Trustworthy
Backed by HCF, Australia's largest not-for-profit health insurer.
Frequently Asked Questions
What is Flip’s on-demand accidental injury insurance?
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.
Can I buy a Flip product to cover other people?
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.
Can I get covered for accidents at work?
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.
What countries am I covered in?
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.
My activities are really high-risk. Will you cover me?
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
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