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Why Flip?
Flip offers flexible accidental injury protection and prepaid dental care.
No lock-ins, no hidden fees - just straightforward help and peace of mind for life’s moments.
Because we make wellbeing simple, flexible and affordable
Backed by
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We're back-to-back winners of the WeMoney Life Insurance Innovation Of The Year Awards
We’re proud to be recognised as back-to-back winners of the WeMoney Life Insurance Innovation of the Year Award in 2023, 2024 and 2025.
But for us, the real win is helping more Aussies live with confidence.
Wellbeing solutions designed for the way you live
Life’s unpredictable. But getting support for accidental injuries or regular dental care shouldn’t be complicated or out of reach. That’s why we’ve reimagined new ways to look after your wellbeing, smile and wallet.
Flexible
Choose the cover or care that fits your life.
Get accidental injury protection just for the days you feel most at risk - for a flat price - no quote required. Or, grab a prepaid dental voucher to use when it suits you.
Instant
Get started in just a few taps.
Activate accidental injury protection that starts straight away or buy your pre-paid dental voucher in minutes. No quotes, no paperwork, just instant peace of mind.
Digital
Everything at your fingertips.
Sign up and manage your cover, dental vouchers and claims easily from your phone. It’s simple, fast, secure and accessible anywhere you have a connected device.
Affordable
Only pay for what you need.
Upfront pricing, with no hidden costs. Pay for cover or care as you need it, and know you’re looking after yourself without breaking the bank.
Simple
Jargon-free and easy to use.
We keep things clear and honest so you’ll know exactly what’s included and what’s not, with no confusing terms or hidden catches.
Trustworthy
Backed by HCF, built for you.
Flip is supported by Australia’s largest not-for-profit health insurer, so you know you can trust us to be there when you need us most.
What Flip Insurance users are saying
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!
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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.
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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!
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’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.
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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.
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.
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.
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.
Insurance
Flip Insurance in action
Case study: Charlie vs. the mountain
Last Week
Jellan fell off their horse landing in hospital and Flip paid out $2,500 cash
Last Week
Jellan fell off their horse landing in hospital and Flip paid out $2,500 cash
Charlie vs. the mountain
Charlie was snowboarding when they fell and landed painfully on their knee.
Charlie went straight to the nearby medical centre where they were diagnosed with a complete tear of their anterior cruciate ligament (ACL) via an MRI. Charlie was referred to a specialist and required surgery to repair their torn ligament.
Charlie submitted their claim via the Flip mobile app and provided the MRI report and hospital discharge summary as evidence.
For illustration purposes only.
Charlie suffered an Accidental Injury and received the highest benefit they qualified for under their policy:
 Complete tearing of a ligament, muscle or tendon | $2,200 |
Total benefits paid | $2,200 |
Check what happened
See Flip cash payouts
Wellbeing
Flip Dental in action
Priya’s first dental check-up in years
Private health insurance with dental extras helps with many dental-related costs, but what if you don’t have it?
Priya always dreaded the dentist. Uncertain costs and dental anxiety kept her away.
Priya’s life is full-on. Between work, sport and everything else, the dentist kept slipping down her to-do list. She didn’t have dental extras, and the thought of booking in (let alone sitting in the chair) made her squirm. The longer she left it, the guiltier she felt.
A Flip Dental voucher gave her the confidence to finally book her check-up.
She bought a prepaid voucher and loved the idea of finally ticking “dentist” off her list while paying less than the national average for a set range of services. Booking was a breeze, and she picked an HCF Dental Centre close to work.
On the day, Priya was still a bit nervous. But the team was welcoming, calm and genuinely understanding. No lectures, no judgement, just gentle support and expert care.
She left with a clean bill of health, a brighter smile and a huge sense of relief.
Priya’s Flip Dental voucher included:
National average cost | Flip | |
|---|---|---|
Comprehensive check-up | $71 |  |
Scale and clean | $111 | |
Fluoride application | $38 | |
Two bitewing x-rays | $94 | |
TOTAL | $314 | $249 |
Priya saved $65* | ||
*Saving based on comparison to national average cost. Source: Australian Dental Association Dental Fees Survey 2024
For illustration purposes only
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Frequently Asked Questions
Who is Flip?
Flip is an insurance cover provider. We’re owned by HCF Life, a subsidiary of Australia’s largest not-for-profit health fund, HCF. The Flip company was founded in 2021, and we set out on a mission to create insurance that people love by daring to be different.
What makes Flip Insurance different from the others?
Our mission is to create insurance that people love, by daring to be different.
This is how we do it:
- We embrace people with active and adventurous lifestyles
- Our application and quote process is uncomplicated and straightforward
- We’re fully digital, even our claims
- There are no waiting periods
- We pay cash that you can spend however you like
- We don’t exclude you or hike the price up just for you.
Am I eligible to buy Flip Insurance?
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 insurance products for anyone who:
- doesn't live in Australia
- is temporarily in Australia as a tourist
Flip insights and stories for living well
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Want to learn more about Flip?
Drop us your email to unlock special offers, learn about Flip and see how we’re helping people do more of what they love.
Privacy: Flip collects your personal information that you provide in this form for the purpose of providing you with information about Flip products, services and promotions. If you don’t provide your email address, Flip won’t be able to contact you about these matters. How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt out of direct marketing, is explained in the Flip privacy policy.