Flip Insurance
Flip was created by HCF to provide its members, and active Aussies alike, with an innovative insurance solution that provides protection and peace of mind when they need it most.
Flip is Australia’s first provider of on-demand accidental injury cover.
Google rating
4.8
Backed by
.svg "Life Insurance Innovation of the Year 2024"){kind=small}
Where Flip injury insurance fits
And how it can complement your other coverage and bridge their gaps
Even with Medicare, health insurance and travel insurance, if you get injured, you still might have gaps in your coverage and have to bear medical and other costs associated with your recovery.
Flip’s accidental injury insurance can complement your other coverage with cash payouts for eligible claims if you're injured in an accident.
Boost your protection and peace of mind with Flip so you can get out there and enjoy life’s best moments.
Our story
We've completely changed how people can protect themselves from unexpected accidental injury costs with our Australian-first, pay-as-you-need cover.
Innovation runs deep
2021
Launched Australia’s first on-demand accidental injury insurance
2022
Introduced Japan Pass for the Japan snowsport season
2023
Updated purchase options to better suit customer needs
2023
Created Group Active, a policy option for event and sport group hosts
2023
At customer request, launched Flip Kids to cover their accidental injuries
2023
Launched Flip Roaming, our accidental injury insurance option for Australians abroad
2024
Updated our claims process to make it easy, quick and digital — so that we can have claims approved and get cash in your pocket
%20-%202.webp)
.webp)
Want protection for your most active days?
Check out Flip's range of products
AU/NZ cover
Flip Active for Kids
$7/day
Accidental injury insurance for 5-17 year olds. Parents or legal guardians can buy cover on behalf of their kids, for peace of mind on their most active days.
Participant cover
Register your Event Code
If you're part of a team, attending a venue, or participating in an event covered by Flip, register your cover.
Overseas cover
Flip Roaming
$80/week
Accidental injury insurance while overseas at a Covered Destination outside Aus/NZ. Up to A$70,000 in cash payouts.
For business
.jpg)
Flip Group Active
Help your customers enjoy their active lives with peace of mind. Easily integrate accidental injury cover into your core offer to add value and build customer loyalty.
AU/NZ cover
.webp)
Flip Active
$7/day
Accidental injury insurance for Australian residents. Get cover for a day, a week or a monthly subscription so you can enjoy your active lifestyle stress-free.
AU/NZ cover
Flip Active for Kids
$7/day
Accidental injury insurance for 5-17 year olds. Parents or legal guardians can buy cover on behalf of their kids, for peace of mind on their most active days.
Participant cover
Register your Event Code
If you're part of a team, attending a venue, or participating in an event covered by Flip, register your cover.
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!
.webp)
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.
.webp)
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.
.webp)
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.
.webp)
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.
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.