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:
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.
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 |
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 |
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
+$100 | |
+$100 | |
+$2000 | |
+$150 | |
+$100 | |
Flip cash payouts | +$2,450 |
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 example, Casey, suffered a serious shoulder injury. Despite Medicare’s cover, he still faced several unexpected costs related to surgery, rehab and daily expenses.
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 |
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.
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"
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"
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."
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:
We cover most activities, so it’s easier to list the activities we don’t cover:
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:
Click here to find out more about making a 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.