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Designed to be different
Australia’s first on-demand accidental injury cover
Pursue your passions with peace of mind and only pay for cover when you need it. Instant, affordable, simple and backed by HCF Life, so you know we’ll be there when you need us most.
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 announce that we've won the 2023 and 2024 WeMoney Life Insurance Innovation Of The Year Award for our products. Recognised for our short-term, on-demand coverage model, we've changed the way people think about insurance by making it move relevant and accessible.
How we’re daring to be different
Accidents happen and injuries can be expensive, but insurance has always been complicated, inflexible and costly. That’s why we reinvented personal insurance for today.
On-demand
Flip it on when you need it, flip it off when you don’t.
There are some days you feel more at risk of injury than others. Traditional insurance makes you pay for every day, no matter what you’re doing. With Flip, you’re in control. Triathlon today? Flip it on. Massive Netflix binge? Flip it off. You’ve got the flexibility to turn your cover on and off as you please, with no lock-in contracts or waiting periods.
Instant
No waiting periods. Get cover on the go in a few taps.
Adventures can be spontaneous, and we’re right there with you. With Flip, you can instantly activate your cover with no quotes, delays or waiting. So if you’re heading out there to enjoy life and feeling a little worried about injury, you can flip on your cover and seize the day knowing you’ve got cover if something goes wrong.
Digital
Lightning-fast sign-up. Make claims and receive payouts from anywhere.
No paperwork, no phone calls. Everything is designed for speed, and all you need is a connected device. Activate cover in a few taps, submit a claim online and get cash straight to your bank account for approved claims. And in case you were wondering, we use robust encryption and secure payment methods to protect your data and privacy.
Affordable
Only pay when you need it.
With Flip, you don’t need to pay for year-round cover when you only feel at risk of injury on certain days. Cover a race, a trip or a season and enjoy your active lifestyle without breaking the bank.
Simple
Straightforward protection with no confusing jargon.
Insurance is renowned for being hard to understand, but we set out to change that. We explain everything clearly and honestly, so you know exactly what you’re getting and what you’re not. There are no hidden catches. Our simple online process makes it easy to get cover, get claims approved fast and get cash in your pocket right when you need it.
Trustworthy
Backed by HCF Life, which is owned by Australia's largest not-for-profit health insurer, HCF.
We’re on your side and want to support your recovery so you can get back out there and enjoy doing the things you love. Flip may be a young company, but we’re backed by HCF and part of the HCF group, which has been around for over 90 years, so you can have complete confidence that we’ll be there when you need us most.
What Flip 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.
Case study
Charlie vs. the mountain.
Medicare and private health insurance can cover many health-related costs, but you can still be left out of pocket with unforeseen expenses as your recover.
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 was going to the snow for the week and flipped on a week cover for $25 before they went.
When Charlie fell and hurt their knee, they went straight to the nearby medical centre, where they were diagnosed with a torn ligament by an MRI. An x-ray was also required to confirm there was no fracture.
Charlie vs. the mountain
The treating doctor determined Charlie’s injury required immediate pain relief and the application of a knee brace.
The doctor also referred Charlie to a specialist, who determined that the severity of the injury required surgery, and booked Charlie in for surgery the following week.
After being discharged from hospital for day surgery, the specialist advised that the injury would require at least 6 physiotherapy sessions to recover.
Charlie’s injury was of a severity that required:
 X-ray Cash payout | +$100 |
MRI Cash payout | +$100 |
 A brace Cash payout | +$100 |
Hospital surgery Cash payout | +$2000 |
Specialist care Cash payout | +$100 |
 At least 2 physiotherapy sessions Cash payout | +$150 |
At least 4 physiotherapy sessions Cash payout | +$150 |
Total benefits paid | +$2,700 |
Check what happened
See Flip cash payouts
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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 product if you or your child:
- don't live in Australia
- are temporarily in Australia as a tourist
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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.