AU/NZ cover

Flip Active

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.
Up to $50,000 cash payouts on approved claims. Check the benefits.
Cover while doing almost any activity. Check the list of what's not covered.
Get injured. Get cash. Get better. See how it works.

Flexible payment choices

Get cover for just one day at a time, or save with weekly and monthly rates
Purchase cover for your kids.
Under 18? Ask your parent/guardian to purchase your cover.
On-demand
Day cover
$7.00
 
Best option for one off or occasional events
 
Week cover for $25
$3.60
Per day
Best option for people who need cover for occasional weeks
Subscribe – no lock-in
Monthly cover for $40
$1.33
Per day
Best option for people who are active more than 2 weeks per month
Buy cover
Full details of your insurance including definitions are found in the Product Disclosure Statement (PDS), Financial Service Guide (FSG) and Target Market Determination (TMD) docs.
See prices

Flip it on
when you need it, flip it off when you don’t.

Whether it's a day, a week, a season or a race, make your Flip work for you.

Frequently Asked Questions

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

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 and pre-existing injuries
  • medical episodes or medical conditions like illnesses
  • injuries caused by surgery or medical care

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

arrow down

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

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.

What evidence do I need to provide?

arrow down

Click here to find out more about making a claim.

View all FAQs
Flip it
Adults & kids
AUS/Nz

Flip Active

Accidental injury insurance for Australian residents. Get cover for a day, a week or a monthly subscription so you can enjoy your active lifestyle with confidence.

Up to A$50,000 in cash payouts

Buy now
  • Off-piste skiing
  • Back country skiing
  • Adventuring
  • Snowboarding
  • Recreation
  • Rugby
  • Surfing
  • Marathon
  • Triathlon
  • Basketball
  • Sports competition
  • Skateboarding
  • Off-piste skiing
  • Back country skiing
  • Adventuring
  • Snowboarding
  • Recreation
  • Rugby
  • Surfing
  • Marathon
  • Triathlon
  • Basketball
  • Sports competition
  • Skateboarding
  • Off-piste skiing
  • Back country skiing
  • Adventuring
  • Snowboarding
  • Recreation
  • Rugby
  • Surfing
  • Marathon
  • Triathlon
  • Basketball
  • Sports competition
  • Skateboarding
Buy now
Google rating
4.8
Backed by
Powered by HCF
Best insurance innovation award
Life Insurance Innovation of the Year 2023Life Insurance Innovation of the Year 2024

Flip helps bridge the gap with the true cost of an accidental injury

Medicare, private health and sports insurance can cover many health-related costs, but you can still be left out of pocket with unforeseen expenses as your recover.

Last Week
Jellan fell off their horse landing in hospital and Flip paid out $2,500 cash
Last Week
Jellan fell off their horse landing in hospital and Flip paid out $2,500 cash

How Flip bridges the gap

With both Medicare and private health insurance you can still be left out of pocket.

Example of health services required for a snowboarding shoulder injury and what may be covered:

 
Medicare
Private
X-ray
Partially covered
Not 
covered
Specialist care
Partially covered
Excess
may apply
Physio for recovery
Partially covered
Depends on cover level
Getting
a cast
Partially covered
Depends on cover level

Check unseen costs

A cash payout from Flip, can help with unforeseen costs from your injury

Example of unexpected costs from a shoulder injury:

Ubers to and from work
-$175
Days off work
-$800
Gap fees for medical bills
-$500
You bank account
-$1,475

Flip cash payouts

Flip Cover

It doesn't matter what Medicare, private health or sports insurance covers, if your injury requires these services, you’ll receive a Flip cash payout

X-ray
Cash payout
+$100
Specialist care
Cash payout
+$100
Hospital surgery
Cash payout
+$2000
Physio
Cash payout
+$150
Getting a cast
Cash payout
+$100
Flip cash payouts
+$2,450
Check unseen costs
See Flip cash payouts

Insurance that wants to pay you

Up to $50,000
With our set cash-in-hand amounts, we aim to reduce nasty surprises - you always know what you'll get.

Most common benefits claimed in the past 6 months

  • Diagnosis by an X-ray or ultrasound
    $100
  • Urgent treatment in a hospital emergency department
    $200
  • Surgery in hospital
    $2,000
  • Diagnosis by an X-ray or ultrasound
    $100
  • Diagnosis by an MRI or CT scan
    $100
  • At least 2 physio* sessions
    $150
  • Major dental (root canal, crown or bridge work, implants, dentures or splint)
    $2,000
  • Specialist care
    $100
  • A cast, brace or splint
    $100
  • Urgent treatment in a hospital emergency department
    $200
  • Inpatient hospital care for 2 or more nights
    $1,000
  • Surgery in hospital
    $2,000
  • Care in an intensive care unit (ICU)
    $5,000
  • Continuous ventilatory support in a hospital for 3 or more nights
    $15,000

Most common benefits claimed in the past 6 months

  • Diagnosis by an X-ray or ultrasound
    $100
  • Urgent treatment in a hospital emergency department
    $200
  • Surgery in hospital
    $2,000
  • Diagnosis by an X-ray or ultrasound
    $100
  • Diagnosis by an MRI or CT scan
    $100
  • At least 2 physio* sessions
    $150
  • Major dental (root canal, crown or bridge work, implants, dentures or splint)
    $2,000
  • Specialist care
    $100
  • A cast, brace or splint
    $100
  • Urgent treatment in a hospital emergency department
    $200
  • Inpatient hospital care for 2 or more nights
    $1,000
  • Surgery in hospital
    $2,000
  • Care in an intensive care unit (ICU)
    $5,000
  • Continuous ventilatory support in a hospital for 3 or more nights
    $15,000
Check all the benefits
Get cover
92%

of claims assessed were approved

85%

of claims assessed within 5 days

$1,154

average claim payout

*in the past 12 months to November 2024, across all Flip products

Easy claims and fast payouts

To create insurance people love, we've made claiming as easy as possible. Just follow these simple steps and we'll get you paid asap.

Buy now
Activate your Flip cover before you get injured
1
See a Registered Doctor and gather evidence
2
Submit your claim in the app within minutes
3
Get paid cash. Most claims approved within a few business days

Cover while doing (almost) anything

We're all for having fun and leaving comfort zones. That's why we cover you while doing nearly any activity, from off-piste skiing to chess playing.

Flip in action

Oliver

Wave diving accident

Oliver was out catching waves when his head hit a sandbank as he was diving into the waves. Unable to move, lifeguards pulled him out of the water.

"Only costs $25 for the week, and I got a payout of $6,500"
  • Urgent treatment in an emergency department
    $200
  • X-ray
    $100
  • CT scan
    $100
  • Specialist care
    $100
  • Inpatient hospital care for 2 or more nights
    $1,000
  • Care in an intensive care unit
    $5,000
Casey

Snowboarding shoulder injury

He got involved in a freak accident where he fell five metres from a chairlift and suffered a severe shoulder injury.

‍

"I paid $25 for a week of cover and got a payout of $2,600"
  • X-ray
    $100
  • CT scan
    $100
  • Specialist care
    $100
  • Cast
    $100
  • Urgent treatment in a hospital
    $200
  • Surgery
    $2,000
Read full story
Isabella

Footy ACL injury

She was running down the field, stopped suddenly, and moved left. Her leg then gave out, she heard a cracking noise, and fell to the ground.

"The claim was assessed very fast and I was given the money very quickly."
  • Diagnosis by MRI
    $100
  • Specialist care
    $100
  • Surgery
    $2,000
  • At least 4 physiotherapy sessions
    $300

Choose how you Flip

We’ve provided the ultimately flexible insurance to suit your lifestyle.
Purchase cover for you/or your kids.
Under 18? Ask your parent/guardian to purchase your cover.
PREPAID | buy up front for a set period

Day cover

Buy as many days as you need for one off or occasional events
$7 a day

Week cover

For people looking for cover 4 days or more in a week
$25 a day
Buy prepaid cover now
Subscription | for peace of mind that you’re always covered

Subscribe and save for peace of mind

Monthly and annual plans for people who are active throughout the year
$40 per month
Subscribe for cover now

Frequently Asked Questions

Am I eligible to buy Flip Insurance?

arrow down

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

What counts as an accident or accidental injury?

arrow down

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 and pre-existing injuries
  • medical episodes or medical conditions like illnesses
  • injuries caused by surgery or medical care

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

arrow down

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

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

arrow down

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.

What evidence do I need to provide?

arrow down

Click here to find out more about making a claim.

View all FAQs