Understanding Flip

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Where Flip injury insurance fits

And how it can bridge healthcare coverage gaps

Even with Medicare, health insurance and travel insurance, if you get injured, you still might have gaps in your coverage and have to pay for unexpected medical expenses.

Flip’s accidental injury insurance can complement your other coverage with cash payouts for eligible claims if you're injured in an accident.

Boost your protection and peace of mind 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.

Flip in action

How Flip helps bridge Medicare and health insurance gaps

Discover how Flip Active and Flip Kids work to fill the gaps left by other health coverage options.

In this real-world example*, we break down the costs associated with a broken arm and demonstrate how Flip Insurance works alongside Medicare and private health cover.

Cost scenario example

Broken Arm

Flip active cover
Medicare
Private Heath insurance
Specialist care
Payout of $100
Certain amount covered
Covered but may have excess
X-ray
Payout of $100
Some of the cost might be covered
NOT COVERED
MRI or CT Scan
Payout of $100
Some of the cost might be covered
Depending on your level of cover
2x physio
Payout of $150
Some appointments covered
Depending on your level of cover
Getting a cast
Payout of $100
Some of the cost might be covered
Depending on your level of cover
Flip pays $550
for this injury that you can use to pay for Medicare and Private health insurance gaps, excesses and other unforeseen costs

How Flip complements your travel insurance coverage

See how Flip Roaming can integrate with travel insurance to enhance your protection in covered destinations overseas.

Check out this cost scenario from a torn ACL to learn where Flip can supplement your travel insurance cover while overseas and provide additional payouts for costs related to your injury once back in Australia.

Cost scenario example

Torn ACL from Off-Piste Skiing in Japan

Flip roaming cover*
Travel insurance
Medical bills overseas
Eligible claims get:
Reimbursement up to $20K of your medical costs while overseas
and
There may be no cover for an off-piste skiing accident depending on the cover purchased or an excess may apply
Medical bills in Australia after travel^
Up to $50K in additional cash payouts depending on the severity of the injury, for instance if it requires:
Diagnosis by x-ray
........................................................................................................................................................................................................................................
$100
Diagnosis by MRI
........................................................................................................................................................................................................................................
$100
A brace or cast
........................................................................................................................................................................................................................................
$100
Specialist care
........................................................................................................................................................................................................................................
$100
Surgery
........................................................................................................................................................................................................................................
$2,000
TOTAL $2,400
NOT COVERED

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.

Overseas cover

Flip Roaming

$80/week
Accidental injury insurance while overseas at a covered destination outside Aus/NZ. Up to A$70,000 in cash payouts.
For business

Flip Group Active

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.
AU/NZ cover

Flip Active

$7/day
Accidental injury insurance for Australian residents aged 18-64. Get cover for a day, a week or a monthly subscription so you can enjoy your active lifestyle stress-free.
AU/NZ cover

Flip Kids

$7/day
Accidental injury insurance for 5-17 year olds. Parents or legal guardians can buy cover on behalf of their kids, for peace of mind for the kids' most active days.

Frequently Asked Questions

What is Flip’s on-demand accidental injury insurance?

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It is a type of personal insurance that provides cover if you have an injury from an accident. Flip has a range of accidental injury insurance products that offer cash payouts for accidental injuries of a specified severity that happen whilst you're covered. 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 other 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?

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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?

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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.

Is Flip travel insurance?

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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 Flip users are saying

I would highly recommended Flip insurance, the claim process is exceptionally easy to navigate and all information for the process explained. 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!
Bodhi S
Flip were incredibly easy to work with and the process of putting in a claim is super simple. It is so easy to switch on your cover even if you think you don't need it. I highly recommend anyone who is active like me, who loves extreme sports, to get cover with Flip.
Carter G
The claim process is as straightforward as it could possibly be!
Daniel M | Mountain biker
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!
Dougal | Mountain biker
Flip is simple and I can choose exactly when I want cover. 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.
Marie | Yogi | Runner | Cyclist
Person Climbing a hill on sunset
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.
Stitch | Runner | Boxer | Noob mountain biker
Mountain Bike Accident
Between all of my sports, I probably get injured more than most. I feel super protected with Flip because it helps with out of pockets gaps, and random expenses. I wouldn’t be without it for the peace of mind.
Ege | Soccer player | Indoor rock climber | Snowboarder
Snowboarder Performing a Jump