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
- Up to $50,000 cash payouts on approved claims.
- We cover most activities from mountain biking to off-piste skiing and more.
- Easy claims and fast payouts.
- Instant cover with no waiting periods.
- 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
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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.
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 |
Insurance that wants to pay you
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
of claims assessed were approved
of claims assessed within 5 days
average claim payout
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.
Cover while doing (almost) anything
Flip in action
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
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
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
Under 18? Ask your parent/guardian to purchase your cover.
Day cover
Week cover
Subscribe and save for peace of mind
Frequently Asked Questions
Am I eligible to buy Flip Insurance?
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?
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?
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?
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?
Click here to find out more about making a claim.