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Adults & kids
AUS/Nz
AU/NZ cover
Adults
Kids
Flip Active
Accidental injury insurance for Australian residents. Get cover for a day, a week or a monthly subscription so you can enjoy your active lifestyle with confidence.
Up to A$50,000 in cash payouts
Accidental injury insurance for anyone living in Australia. Enjoy peace of mind with (almost) all activities covered for a flat price - no quote required. Just choose how long you need cover for:
$7
/day
$25
/week
$40
/month
- Up to $50,000 cash payouts on approved claims.
- We cover most activities from mountain biking to off-piste skiing and more.
- Easy claims and fast payouts.
- Instant cover with no excess or waiting periods.
- 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
Backed by
Flip helps bridge the gap with the true cost of an accidental injury
Medicare, private health and sports insurance can cover many health-related costs, but you can still be left out of pocket with unforeseen expenses as your recover.
Last Week
Jellan fell off their horse landing in hospital and Flip paid out $2,500 cash
Last Week
Jellan fell off their horse landing in hospital and Flip paid out $2,500 cash
How Flip bridges the gap
With both Medicare and private health insurance you can still be left out of pocket.
Example of health services required for a snowboarding shoulder injury and what may be covered:
Medicare | Private | |
|---|---|---|
X-ray | Partially covered | Not
covered |
Specialist care | Partially covered | Excess
may apply |
Physio for recovery | Partially covered | Depends on cover level |
Getting
a cast | Partially covered | Depends on cover level |
Check unseen costs
A cash payout from Flip, can help with unforeseen costs from your injury
Example of unexpected costs from a shoulder injury:
Ubers to and from work | -$175 |
Days off work | -$800 |
Gap fees for medical bills | -$500 |
Your bank account | -$1,475 |
Flip cash payouts
Flip Cover
It doesn't matter what Medicare, private health or sports insurance covers, if your injury requires these services, you’ll receive a Flip cash payout
 X-ray Cash payout | +$100 |
 Specialist care Cash payout | +$100 |
Hospital surgery Cash payout | +$2000 |
 Physio Cash payout | +$150 |
Getting a cast Cash payout | +$100 |
Flip cash payouts | +$2,450 |
Check unseen costs
See Flip cash payouts
Insurance that wants to pay you
Up to $50,000
With our set cash-in-hand amounts, we aim to reduce nasty surprises - you always know what you'll get.
What you’re covered for
We pay you cash directly to your bank account on approved claims, to spend however you want.
You are eligible for a benefit if you suffer an Accidental Injury of a severity that meets one or more of the descriptions in the Benefits table as determined by a Registered Doctor.
- For one Accident you can qualify for multiple benefit types
- You can claim each benefit type once per Accident and you can get up to $50,000 in payouts.
For example, Casey, suffered a serious shoulder injury. Despite Medicare’s cover, he still faced several unexpected costs related to surgery, rehab and daily expenses.
Casey's payout = $2,600
X-ray
$100
CT scan
$100
Specialist care
$100
Cast
$100
Urgent treatment in a hospital
$200
Surgery
$2,000
TOTAL BENEFITS PAID
$2,600
Benefits
Accidential Injuries | Payout |
|---|---|
 An Accidental Injury of a severity that requires a diagnosis by an X-ray or ultrasound | $100 |
An Accidental Injury of a severity that requires a diagnosis by an MRI or CT scan | $100 |
An Accidental Injury of a severity that requires at least 2 physiotherapy sessions You must first see a A Registered Medical Doctor who confirms that your injury is of a severity that requires a certain amount of physiotherapy. | $150 |
An Accidental Injury of a severity that requires at least 4 physiotherapy sessions (paid in addition to the $150 benefit above which requires at least 2 sessions) You must first see a A Registered Medical Doctor who confirms that your injury is of a severity that requires a certain amount of physiotherapy. | $150 |
An Accidental Injury of a severity that requires specialist care | $100 |
An Accidental Injury of a severity that requires a cast, brace or splint | $100 |
An Accidental Injury of a severity that requires urgent treatment in a hospital emergency department | $200 |
An Accidental Injury of a severity that requires inpatient hospital care for 2 or more nights | $1,000 |
An Accidental Injury of a severity that requires surgery in hospital | $2,000 |
An Accidental Injury that requires major dental treatment (crown or bridge work, root canal, implants, dentures or splints) | $2,000 |
An Accidental Injury of a severity that requires care in an intensive care unit (ICU) | $5,000 |
An Accidental Injury of a severity that requires continuous ventilatory support in a hospital for 3 or more nights | $15,000 |
An Accidental Injury involving a traumatic brain or spinal cord injury requiring care in an intensive care unit (ICU) for 5 or more nights | $25,000 |
An Accidental Injury involving a spinal cord injury that results in an inability to move two or more limbs that is persistent 1 month after the injury | $50,000 |
An Accidental Injury that results in the removal of a hand, arm, foot or leg | $50,000 |
*Reminder: A Registered Doctor in Aus or NZ must confirm that your injury is of a severity that requires a certain amount of physiotherapy.
Full details of this insurance can be found in the Product Disclosure Statement (PDS)
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
Easy claims and fast payouts
To create insurance people love, we've made claiming as easy as possible. Just follow these simple steps and we'll get you paid asap.
Activate your Flip cover before you get injured
1
See a Registered Doctor 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
We're all for having fun and leaving comfort zones. That's why we cover you while doing nearly any activity, from off-piste skiing to chess playing.
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 +
An act of war, whether declared or not, hostilities, civil commotion, terrorism, or insurrection.
Being under the influence of alcohol +
Which means being over the prescribed legal limit for driving a motor vehicle according to the law of the Covered Destination in which the accident occurred.
Some of injuries caused by a parent +
Injuries to an Insured Person under 18 years of age that are caused by a parent, legal guardian, or any person living with the Insured Person.
Medical Conditions Injuries +
Injuries that are caused by medical conditions or medical episodes, e.g., a joint injury caused by osteoarthritis.
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.
Paid work or employment +
(e.g., food delivery rider), except when the paid work or employment is as a paid professional athlete, sports coach, or sports referee.
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
Flip in action
Oliver
Wave diving accident
Oliver was out catching waves when his head hit a sandbank as he was diving into the waves. Unable to move, lifeguards pulled him out of the water.
"Only costs $25 for the week, and I got a payout of $6,500"
- Urgent treatment in an emergency department
$200 - X-ray$100
- CT scan$100
- Specialist care$100
- Inpatient hospital care for 2 or more nights$1,000
- Care in an intensive care unit$5,000
Casey
Snowboarding shoulder injury
He got involved in a freak accident where he fell five metres from a chairlift and suffered a severe shoulder injury.
"I paid $25 for a week of cover and got a payout of $2,600"
- X-ray$100
- CT scan$100
- Specialist care$100
- Cast$100
- Urgent treatment in a hospital$200
- Surgery$2,000
Isabella
Footy ACL injury
She was running down the field, stopped suddenly, and moved left. Her leg then gave out, she heard a cracking noise, and fell to the ground.
"The claim was assessed very fast and I was given the money very quickly."
- Diagnosis by MRI$100
- Specialist care$100
- Surgery$2,000
- At least 4 physiotherapy sessions$300
Choose how you Flip
We’ve provided the ultimately flexible insurance to suit your lifestyle.
Purchase cover for you/or your kids.
Under 18? Ask your parent/guardian to purchase your cover.
Under 18? Ask your parent/guardian to purchase your cover.
PREPAID | buy up front for a set period
Day cover
Buy as many days as you need for one off or occasional events
$7 a day
Week cover
For people looking for cover 4 days or more in a week
$25 a week
Subscription | for peace of mind that you’re always covered
Subscribe and save for peace of mind
Monthly and annual plans for people who are active throughout the year
$40 per month
Frequently Asked Questions
Am I eligible to buy Flip Insurance?
Flip currently welcomes people that live in Australia, between the ages of 5 and 64.
This includes international students, people on working holiday visas and people on temporary working visas.
Unfortunately, you won’t be able to buy our current product if you or your child:
- don't live in Australia
- are temporarily in Australia as a tourist
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
What counts as an accident or accidental injury?
An Accident is a sudden, unexpected event i.e. you can pinpoint the precise time and location of when it happened.
An Accidental Injury / Injury is an acute injury or other physical damage to a person’s body that is caused by an Accident, and is unintentional.
It doesn’t include:
- chronic injuries, like injuries from overuse, repetitive motion or wear and tear
- accidents that happened before your insurance started or after it ended and pre-existing injuries
- medical episodes or medical conditions like illnesses
- injuries caused by surgery or medical care
What evidence do I need to provide?
Click here to find out more about making a claim.
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.