For the moment

Simple, innovative ways to protect your health and wallet

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Powered by HCF
Award-winning insurance
Best insurance innovation award2025 Innovation Excellence Award
Best insurance innovation award
WeMoney Innovation Awards 2025 WinnerLife Insurance Innovation of the Year 2024Life Insurance Innovation of the Year 2023
Backed by
Powered by HCF

Confidence, in every moment

Flip helps you to embrace life's moments with simple, affordable insurance and easy access to preventative dental care, backed by the strength of Australia's largest not-for-profit health fund, HCF.

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Flip Insurance is trusted by major brands

65,000+ participants covered at 150+ events

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What Flip Insurance users are saying

Consumer
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 | Skateboarder
Consumer
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.
Carter G | Snowboarder
Consumer
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
Consumer
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
Consumer
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
Consumer
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.
Ege | Soccer player | Indoor rock climber | Snowboarder
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.
Jordan | Director, O2 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.
Harrison | Founder, Soso Sports
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.
Donny | Head of Partnerships, Pacific Action Sports & The Rumble

Why Flip?

Flexible

Choose the cover or care that fits your life - no lock-ins or wasted extras.

Instant

Get started in minutes. Access protection or dental care on your terms, right away.

Digital

Sign up and manage your cover, vouchers and claims all from the Flip app.

Affordable

Pay only for what you need, with upfront pricing and no surprises.

Simple

Easy to understand, jargon-free and built for real life.

Trustworthy

Backed by HCF, Australia's largest not-for-profit health insurer.

Flip in action

Accidental injury insurance

Oliver went for a swim

Oliver was out surfing when his head hit a sandbank as he was diving into the waves.

Oliver was urgently treated in the emergency department where he was diagnosed with a spinal cord injury. After a week in hospital and ongoing rehabilitation, Oliver is expected to make a full recovery.

Oliver’s benefit was $5,000.

For illustration purposes only.
It cost just $25 to get cover for the week—and he got a $5,000 payout

Charlie went snowboarding

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’s benefit was $2,200.

For illustration purposes only.
They paid $99 to get cover for the season and got a $2,200 payout
Dental voucher

Priya | First check-up in years

Priya always dreaded the dentist. Uncertain costs and dental anxiety kept her away. A Flip Dental voucher gave her the confidence to finally book her check-up.

National
average cost
Flip
Comprehensive check-up
$71
Scale and clean
$111
Fluoride application
$38
Two bitewing x-rays
$94
TOTAL
$314
$249
You can save $65*
Dr Victoria Capp headshot image
"Everyone deserves access to dental care. We want to ensure a healthy smile is within reach for all Australians."
Dr Victoria Capp
Clinical Manager, HCF Dental
HCF Dental Centre dentist and patient
HCF Dental Centre dentist and patient