Skier performing a stunt jump
Snowboarder on hilltop
Snowboarder Performing a Jump
Snowboarder Falliing
Men having fun jumping to the water from a boat
Two skiers going up the snow hill
From $7 a day
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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
Powered by HCF
Best insurance innovation award
Life Insurance Innovation of the Year 2023
Life Insurance Innovation of the Year 2024

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.

Accidents happen.
Protect yourself (and your wallet) with Flip.

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
Snowboarder Falliing

Case study

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.

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:

Diagnosis by x-ray

........................................................................................................................................................................................................................................
$100

Diagnosis by MRI

........................................................................................................................................................................................................................................
$100

A brace

........................................................................................................................................................................................................................................
$100

Surgery

........................................................................................................................................................................................................................................
$2,000

Specialist care

........................................................................................................................................................................................................................................
$100

At least 2 physiotherapy sessions

........................................................................................................................................................................................................................................
$150

At least 4 physiotherapy sessions

........................................................................................................................................................................................................................................
$150

TOTAL BENEFITS PAID FOR CHARLIE’S ACCIDENT

........................................................................................................................................................................................................................................
$2,700
Did you know?
If the severity ofyour injury requires at least 4 physiotherapy sessions, you will be eligible for both physiotherapy benefits.

As seen in

Flip it on when you need it, flip it off when you don’t.

Frequently Asked Questions

Who is Flip?

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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?

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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?

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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
HCF Logo

We're backed by HCF Life, which is owned by Australia's largest not-for-profit health insurer, HCF