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Understanding Flip
Flip provides extra cash as a financial buffer for the true cost of an accidental injury.
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Where Flip injury insurance fits and how extra cash can help your recovery
Flip’s accidental injury insurance can give your recovery a boost with extra cash payouts for eligible claims if you're injured in an accident. Give yourself confidence with Flip so you can get out there and enjoy life’s best moments.
Understanding Australian healthcare
The Australian healthcare system is complicated, and it’s important to understand how it works.
What Medicare covers
Medicare covers many health-related costs, but not always everything you might need if you have an injury. It covers:
- Treatment in public hospitals
- All (if it’s bulk-billed) or some of the cost of a GP visit
- Tests like X-rays and blood tests in some hospitals
- Some of the cost for most prescription medication.
Medicare doesn’t cover:
- Treatment in private hospitals
- Treatments like private dental
- Ambulances (but some state governments do)
- Some post-injury care costs (like gaps between Medicare coverage and the full cost of an eligible physio appointment)
What private health insurance covers
If you have private health insurance, it covers some costs that Medicare doesn’t, but you still might be left with out-of-pocket expenses. Depending on the product, it can cover:
- Treatment in a private hospital
- A range of extras like dental, optical and physio (depending on your type and level of cover and only for some services and only up to certain limits)
- Ambulance cover (if you aren’t already covered by a state-based scheme).
Private health insurance doesn’t cover:
- GP visits
- Consultations with specialists in their rooms
- Out-of-hospital diagnostic imaging and tests
- Lost income from missing work
- Your excess (an amount you might need to pay your health insurer if you’re admitted to hospital. You may be able to select this amount, depending on your policy)
- Any treatment you need during a waiting period (the time you need to wait after you get your health insurance before you can get treated and claim on specific things).
What travel insurance covers
If you’re traveling overseas, it’s wise to consider travel insurance to protect you while you’re away, but travel insurance also has coverage gaps. It usually covers:
- A wide variety of travel-related costs, like cancellations, damaged or lost luggage and medical costs while you are overseas. The insurance cost can change depending on the level of cover you choose.
Travel insurance policies will often:
- Not cover all adventure activities
- Charge higher premiums for activity add-ons like snowsports
- Ask you to disclose what activities you will be participating in
- Require you to pay an excess for claims
- Not cover medical costs once you are back in Australia.
Flip it on when you need it, flip it off when you don’t.
Whether it's a day, a week, a season or a race, make your Flip work for you.
Wellbeing
Flip Dental
$249
Prepaid voucher for a check-up, clean and bitewing x-rays
Participant cover
Register your Event Code
If you're part of a team, attending a venue, or participating in an event where the Flip cover was purchased for you by someone else.
Overseas cover
Flip Roaming
$80/week
Accidental injury insurance while overseas at a covered destination outside of Aus/NZ.
For business
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Flip Group Active
Easily integrate group accidental injury cover into your core offer to add value and build customer loyalty.
AU/NZ cover
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Flip Active
$7/day
Accidental injury insurance for Australian residents aged 5-64.
AU/NZ cover
Flip Active for Kids
$7/day
Accidental injury insurance for 5-17 years olds.
Frequently Asked Questions
Is Flip Roaming travel insurance?
No. Flip Roaming is accidental injury insurance, which is different from travel insurance. It covers you for accidental injuries only in covered destinations, offering reimbursement of overseas medical care costs (up to A$20,000) and cash payouts for injuries of a specified severity (up to A$50,000).
Flip Roaming provides accidental injury cover for (almost) any activity, including extreme adventure sports (but excluding motorcycling). Travel insurance policies commonly limit the activities you are covered for.
Travel insurance policies commonly require you to pay an excess in relation to claims or deduct that amount from the claim payment. Flip Roaming doesn't have an excess, so you will be reimbursed for all the costs of your covered overseas medical care for accidental injuries (up to $20,000).
Flip Roaming also offers Extra Recovery Cash payments for accidental injuries of a specified severity (up to $50,000), which you can spend on anything you like. Travel insurance policies are commonly limited to reimbursing your loss and costs incurred only.
If you’re injured in an accident abroad, Flip Roaming can integrate with travel insurance. You can use the cash payouts to cover unexpected expenses, helping to bridge the gaps in your travel insurance.
Check your travel insurance policy details carefully to see exactly what it covers and read our PDS to see if Flip Roaming is right for you.
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.
How does Flip fit in with Medicare?
While Medicare covers many health-related costs, it doesn’t cover everything. You can use Flip’s cash payouts towards out-of-pocket expenses, excess costs and other gaps that Medicare may not fully address.
Is Flip health insurance?
No. Flip offers accidental injury insurance, which is different to health insurance. Private health insurance covers treatments in private hospitals and can also cover extras like optical, dental and physio.
Flip can work alongside private health insurance by making cash payouts for eligible injuries which can be used to help cover the cost of gaps like excess payments, specialist appointments and post-injury care not covered by health insurance.
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