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For business
Flip Group Active
Australia’s first on-demand group accidental injury cover
Help your customers enjoy their active lives with peace of mind. Easily integrate accidental injury cover into your core offer to add value and build customer loyalty.
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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.
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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 Participation
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.
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What Flip users are saying
I contacted the Flip team because I wanted to change the way we approach athlete welfare. Working with Flip was about covering people at events rather than leaving them stranded with a waiver form. The team at Flip has the same mentality around wellbeing, so we have a synergy and our partnership has been hugely productive and positive.
I set out to find the best insurer to cover our members and I found them! Flip Insurance has gone above and beyond for our members whenever they have an injury. Every claim has been paid out straight away, very happy with the service.
Flip has demonstrated an ability to be nimble and responsive to our needs as an event organiser, and the needs of our event participants.Adding Flip coverage to our event participants, or making it simple for them to purchase themselves have been great value adds to our events.
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I feel super protected with Flip because it helps with out of pocket gaps and random expenses. I wouldn’t be without it for the peace of mind.
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I’m always skeptical of insurance products and it being too good to be true, so need to find the catch. Not this time, Flip's the real deal.
Signing up literally took less than two minutes. Being able to cancel when I don’t need it and get cover again when I do is perfect for my lifestyle.
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I received great service from Flip, the communication was clear and professional and they helped me out when I needed it. The coverage is great, it covers all it needs to!
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Putting in a claim and switching on your cover is super simple. I highly recommend Flip to anyone who is active and loves extreme sports.
My claim was processed and approved within a couple of hours. A very positive insurance experience which is a rarity nowadays! Well done to the Flip team!
Insurance that wants to pay your participants
Up to $50,000
With our set cash-in-hand amounts, we aim to reduce nasty surprises - your participants always know what they'll get.
How much we’ll pay your participants
We pay them cash directly to their bank account on approved claims, to spend however they want.
They are eligible for a benefit if they 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)
Did you know…
Flip’s Group Active policy is 100% digital. Claiming can take just a few minutes for eligible injuries once you've gathered all the relevant information, and we pay eligible claims within days.
Protect your customers with Flip Group Active.
Flip exists to help Australians enjoy more of the moments that matter. We’re building on the success of our on-demand accidental injury insurance by offering group insurance plans for businesses in the sports, adventure and wellness industries.
Why Flip?
Whether you run a gym, a competition, a ski resort or a yoga studio, you’ll know accidents can happen anytime, anywhere. With our group insurance plans, you can offer your customers an extra layer of protection from the financial impact of medical expenses. Our cover is simple, flexible and affordable, and can be tailored to suit your business and your customers.
By partnering with Flip, you can show your customers that you care about their safety and wellbeing while boosting brand loyalty, attracting new customers and increasing your revenue.
Ready to get started?
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.
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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