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Understanding Flip
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.
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Where Flip injury insurance fits and how it can bridge healthcare coverage gaps
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.
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.
How Flip’s cash payments can bridge the coverage gaps
Flip offers cash payouts for eligible claims if you're injured in an accident. You can use that cash however you like. It could, for instance, be used to bridge the gaps in your Medicare and private health cover or travel insurance if you have it, such as:
- Medicare gaps (like payments to doctors that don’t bulk bill)
- Private health insurance gaps (like specialist appointments or out-of-hospital diagnostic tests)
- Private hospital treatment related to your injury (if you don’t have private health insurance)
- Private health insurance excess payments when getting treatments related to your injury
- Post-injury care that’s not covered by Medicare or has private health insurance gaps (like dental and physio)
- Costs of injuries that occur during your private health insurance waiting period (while you’re covered by Flip)
- All the hidden costs of injury like pain relief medication, wound dressings, mobility aids, parking, taxis, babysitting and takeaway food.
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 |
*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 ^Some medical bills in Australia will be covered by Medicare or private health insurance |
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.
AU/NZ cover
Flip Active for Kids
$7/day
Accidental injury insurance for 5-64 years olds.
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 5-64 years olds.
Wellbeing
Flip Dental
$249
Prepaid voucher for a check-up, clean and bitewing x-rays
Frequently Asked Questions
What is Flip’s on-demand accidental injury insurance?
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?
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.
Is Flip 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.
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