
At HCF, we believe the future of healthcare relies on innovative, forward-thinking solutions to improve the health outcomes of Australians. We actively champion innovation in this space; that's why we launched Flip Insurance, Australia's first on-demand accidental injury insurance.
After five years of Flip, we’ve made the decision to transition away from this product line and focus on new opportunities to innovate. Consequently, from 1 August 2026, Flip insurance products will no longer be available for new purchases or subscription renewals.
To our customers and partners, past and present, thank you for believing in our vision and for all your support. It’s been an absolute privilege.
If you’re an existing customer, your policy remains active and unchanged and continues to be underwritten by HCF Life. Claims processes remain unchanged. If you have a claim, you can continue to lodge that with us through the mobile app. Please refer to your PDS for your cover details.
If you’re a participant in a Flip-covered event and you’ve registered with an Event Code, please visit Register with your Event Code. From there, you can easily view your active cover details and see exactly how to make a claim.
Alternative personal accident insurance products are available via the HCF Life Recover Cover range.
If you have any questions, our team is right here to support you.
Take care,
The Flip Team
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.
65,000+ participants covered at 150+ events

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Choose the cover or care that fits your life - no lock-ins or wasted extras.
Get started in minutes. Access protection or dental care on your terms, right away.
Sign up and manage your cover, vouchers and claims all from the Flip app.
Pay only for what you need, with upfront pricing and no surprises.
Easy to understand, jargon-free and built for real life.
Backed by HCF, Australia's largest not-for-profit health insurer.
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* | ||

"Everyone deserves access to dental care. We want to ensure a healthy smile is within reach for all Australians."
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