Got questions?

We’ve got answers.

These answers apply to the latest version of our Accidental Injury Insurance products.

General

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 is Flip’s on-demand accidental injury insurance?

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It is a type of personal insurance that provides cover if you have an injury from an accident. Flip has a range of accidental injury insurance products that offer cash payouts for eligible accidental injuries that happen whilst you're covered. There are no waiting periods and no cancellation fees. You can use your cash however you like, whether it’s on medical costs that aren’t covered by your insurance, Ubers to your appointments, or getting a babysitter or food delivery while you’re out of action. Whatever works for you.

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.

What does on-demand mean?

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On-demand means you can buy and manage your insurance with just a few clicks and use it when you need it. It also means we don’t have any waiting periods. When you turn your insurance on, it starts straight away or on the scheduled date you decide.

Can I claim shortly after I turn my insurance on?

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If you’re unlucky enough to find yourself in an accident straight after turning your insurance on, and you’ve suffered an injury (or injuries) that we cover, you can go ahead and submit a claim. And because we’re fully digital, you’ll be able to do this in just a few clicks. Just be sure to have the evidence of your accident and injuries on hand, as we’ll need you to take pics of that. Head to the Claims page to learn more about our claims process.

Can I trust Flip?

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Of course. Flip products are issued by HCF Life, a wholly owned subsidiary of Australia’s largest not-for-profit health insurer, HCF. We’re legit.

Product

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

Can I buy a Flip product to cover other people?

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Flip Kids (ages 5-17)
Must be bought by the kid’s parent or legal guardian. If you’re within this age range and want to be covered, chat to your parent or legal guardian about getting covered with Flip.

Flip Active (18-64)
If want to buy Flip Active, you can only buy that to cover accidents that happen to you - not accidents that happen to other people.

Flip Roaming (ages 5-64)
You can buy Flip Roaming on behalf of a child aged 5-17 living in Australia, if you are their parent or legal guardian.Flip Roaming can’t be purchased on behalf of another adult, or another child who is not your child.

For a Group (Group Active)
We also offer Group Active Policies for events, groups, teams or clubs. If you’re interested, reach out at partnerships@getflip.com.au.

I ride motorcycles and dirt bikes. Is this insurance for me?

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If you’re wanting insurance solely for motorcycling accidents (including dirt biking), please consider if this is the right insurance for you.

This is because we don’t cover accidents that happen while riding a motorcycle.

Can I get covered for accidents at work?

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One of the few things we don’t cover are accidents that happen while working.

We do have an exception to this rule, which is if your job is sport related such as a sports coach or professional athlete.

If you’re wanting insurance solely for accidents at work, and your job is not sports related, please consider if this is the right insurance for you.

About cover

I don’t have any insurance at all. Why should I buy Flip?

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We can’t tell you what to do, but here are just some of the features of Flip accidental injury insurance that you might want to consider when deciding whether to buy:

  • Not everything is covered by Medicare or private health insurance, so having Flip accidental injury insurance can take the sting out of these unexpected costs.
  • You don’t need to have your insurance turned on 24/7 if you don’t need it on 24/7. You might want to cover yourself for a training week in the lead up to a competition, and turn it off after that.
  • We’re fully digital. No complex application processes or long paper forms for claims.

What countries am I covered in?

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Flip Active and Flip Kids
Can cover you in Australia or New Zealand.

Flip Roaming
Can cover you in Canada, Japan, Indonesia, Fiji, Switzerland, Norway, All member countries of the European Union (at the time you purchase the cover), and the United Kingdom.

What activities can I do, with Flip?

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We cover most activities, so it’s easier to list the few activities we don’t cover:

  • motorcycling (which includes dirt biking)
  • anything illegal
  • accidents while working (unless your work is sports related e.g. sports coach or professional athlete)
  • anything outside of a covered country

Here’s just some of the many activities you can be doing:

  • horse riding
  • surfing
  • paragliding
  • chess playing
  • MTB riding
  • walking
  • lead climbing
  • boxing
  • karate chopping
  • deep sea diving
  • running
  • skiing
  • snowboarding
  • snowmobiling
  • e-biking
  • skateboarding
  • pogo sticking...

We could go on and on, but you get the idea.

My activities are really high-risk. Will you cover me?

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We cover most activities, so it’s easier to list the activities we don’t cover:

  • motorcycling (which includes dirt biking)
  • anything illegal
  • accidents while working (unless your work is sports related e.g. tennis coach)
  • anything that happens outside of a covered country

We do have an exception to this rule, which is if your job is sport related such as a sports coach or professional athlete.

What injuries are covered?

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Our accidental injury insurance covers - you guessed it - injuries that happen because of an accident.

We cover a wide range of accidental injuries. Check out our PDS for the full details.

What injuries aren't covered?

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  • Injuries that existed before your insurance was turned on
  • Injuries not caused by an accident, like:
  • wear and tear or overuse injuries (e.g. shin splints, bursitis, chronic shoulder instability or tennis elbow)
  • Medical stuff. For example, if you have a heart attack and knock your head on the way down, that’s not covered
  • Anything that’s not an injury, such as an illness.

This is just a summary. Check out our PDS for the full detailed list.

What counts as an accident or accidental injury?

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An Accident is a sudden, unexpected event i.e. you can pinpoint the precise time and location of when it happened.

An Accidental Injury / Injury is an acute injury or other physical damage to a person’s body that is caused by an Accident, and is unintentional.

It doesn’t include:

  • chronic injuries, like injuries from overuse, repetitive motion or wear and tear
  • accidents that happened before your insurance started or after it ended
  • medical episodes or medical conditions like illnesses
  • injuries caused by surgery or medical care.

What’s the waiting period?

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There isn’t one. You’re covered for a range of accidental injuries that happen while your insurance is on.

You’re not covered for anything that happens before your insurance starts or after it ends.

To see when your insurance starts or ends, head to your Flip Dashboard and look for your Certificate of Insurance.

What are the claim limits?

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Once we’ve paid you at least $50,000 in cash payouts for Flip Active or Kids, or $70,000 for Flip Roaming, your insurance will end and you won’t be able to buy more of Flip’s accidental injury insurance.

Who’s considered as a Health Professional?

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A Health Professional is a registered medical practitioner or dentist in Australia or New Zealand, relevant to your injury. Examples of registered medical practitioners include general practitioners, surgeons or registered nurses. Physiotherapists are not registered medical practitioners.

Claims

How do I submit a claim?

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Click here to find out more about making a claim.

What does a typical claim process look like?

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Check out our How to Claim page here.

What evidence do I need to provide?

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Click here to find out more about making a claim.

How can I use the cash payouts?

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You can use your cash however you like.

Here’s a list of some of the things people generally spend their money on when they get injured:

  • casting material, moon boots, braces, slings, splints or crutches
  • specialist gaps from the physio, dentist or surgeon
  • anaesthetist fees
  • ambulance fees
  • transportation if you can’t drive like Ubers and taxis
  • assistance while injured like getting a baby sitter, dog sitter or food delivery

My Flip accidental injury insurance wasn’t turned on at the time of my accident. Can I claim?

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No. With Flip accidental injury insurance, you’re covered for a range of accidental injuries that happen while your insurance is active.

This means you’re not covered for anything that happens before your insurance starts or after it ends.

To see when your insurance starts or ends, head to your Flip Dashboard and look for your Certificate of Insurance.

How do you know when I had my injury?

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When you submit your claim, you’ll need to provide proof of your accident and injuries, including where and when they happened.

I have an illness or health condition. Can I claim?

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Flip accidental injury insurance covers injuries caused by accidents. Illnesses, health conditions, or injuries not caused by accidents aren’t covered.

When will I get my claims payout?

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Once your claim is approved, we’ll organise the cash straight away. Whilst we hope the money gets to you ASAP, this can depend on your bank and business hours.

We’ll never take more than 5 business days to send your cash once your claim is approved.

I’m making a claim on behalf of a Flip customer who is badly injured and can’t make the claim themselves. Where do I start?

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We're so sorry to hear that. Please contact our helpful team so we can kick-start the process for you.

Promotions

I’ve got a promo code for a discount. Will I be charged after that?

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If you purchase a single day or single week, your cover will end that same day or week and you won’t be charged for anything more unless you buy more cover. Some promo codes can be used to go towards a monthly subscription, so if you apply your discount to that you might need to cover the remaining amount and then a monthly subscription will continue at $40 a month.

If you don’t want to keep your insurance beyond the period covered by the discounted rate, head to your Flip Dashboard to cancel your insurance. Do this before the end of the period concerned.

Support

Can I turn my insurance on again after I’ve turned it off?

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Yes, as long as you meet our age and residency criteria. Simply head to your Flip Dashboard.

How do I cancel?

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Easy! Just head to your Flip Dashboard to cancel.

If you cancel a monthly subscription, you'll be covered until the end of that month. So, if your billing cycle starts on the 3rd of the month and you cancel on the 5th of the month, you’ll still be covered for accidents until 11.59pm on the 2nd of the following month.

You can cancel day cover or week cover before the cover start date for an automatic 100% refund.

We’d love to hear what you think and if you have any feedback, get in touch with us here.

I want to make a complaint

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We take complaints seriously at Flip. Please email resolutions@getflip.com.au with your full name, best contact details, customer number (if you have one) and the nature of your complaint.

I want to change my email address

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Email us at help@getflip.com.au and provide us with these details:

  • customer number
  • full name
  • DOB
  • your current email address
  • your new email address.

I want to change my payment details

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Log in to your Flip account and head to your Profile. Click ‘Manage billing and payments’. From here you can update your payment details.

I have a question that hasn’t been answered on this page

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If you have a question that we haven’t answered on this page, hit us up at help@getflip.com.au.

Still need answers?

Contact us directly via the web chat on this site or email our helpline.

Tell me more about Flip

Drop us your email and we’ll tell you about the latest ways Flip is 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.
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