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.

Backed by
Powered by HCF
Best insurance innovation award
Life Insurance Innovation of the Year 2023
Life Insurance Innovation of the Year 2024

Where Flip injury insurance fits

And how it can bridge healthcare coverage 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

HCF Logo

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

Stories of Flip in action

Want protection for your most active days?

Check out Flip's range of products
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

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

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 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 for the kids' most active days.

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