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Flip Kids
Cash to help you recover
Flip Kids is accidental injury insurance.
We pay you cash directly to your bank account on approved claims, to spend however you want.
Here is what you get ...
if a Health Professional confirms that your accidental injury is of a severity that requires any of the following:
- Diagnosis by an X-ray or ultrasound$100
- Diagnosis by an MRI or CT scan$100
- At least 2 physio* sessions$150
- At least 4 physio* sessions (Paid in addition to the A$150 benefit above)$150
- 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
- Major dental (root canal, crown or bridge work, implants, dentures or splint)$2,000
- Care in an intensive care unit (ICU)$5,000
- Continuous ventilatory support in a hospital for 3 or more nights$15,000
Additional specific injury payouts
- A traumatic brain or spinal cord injury requiring care in an intensive care unit (ICU) for 5 or more nights$25,000
- A spinal cord injury that results in an inability to move two or more limbs that is persistent 1 month after the injury$50,000
- The removal of a hand, arm, foot or leg$50,000
For one Accident, you can qualify for multiple benefit types.
You can claim each benefit type once per Accident and you can receive up to $50,000 in payouts.
We cover you while doing most activities
We're all for having fun and leaving comfort zones. That's why we cover your kid while doing nearly any activity, from skiing to chess playing.
What's the catch?
There are some basic things we don't cover, like illegal activities or accidents that happen before your insurance starts.
But if your kids' activity doesn't match anything on this list, that means it's covered.
Motorcycling
If you're injured as a result of riding a motorbike.
Injuries outside of Australia and New Zealand
Flip Active doesn’t cover you for accidental injuries that happen outside of Australia and New Zealand. If you’re looking for cover abroad, go to Flip Roaming.
Non sports related work
Paid work or employment isn’t covered (e.g. food delivery rider), except when the paid work or employment is a sports related activity (e.g. tennis coaching).
Overuse injuries
We only cover acute injuries caused by accidents, i.e. they happen all of a sudden and are unexpected. Any overuse injury, like shin splints, runners knee and tennis elbow aren’t covered.
Accidents that happen while your insurance isn't active
If you have an accident before your insurance starts or after it ends, that's not covered.
Dental injury when eating or drinking
Dental injuries caused by food or drink including any foreign object in it while being consumed.
Medical stuff
Accidents or injuries caused by medical conditions or episodes e.g. an injury caused by osteoarthritis, a seizure or a heart attack, or by medical procedures or related complications.
Booze and drugs
Being under the influence of alcohol, taking illicit drugs, or taking medication in a way not as directed.
Intentional self-injury
If you hurt yourself on purpose, that’s not covered. For example, popping your own shoulder out to prove to your mates you can.
Breaking the law
If you’re injured while involved in an illegal act e.g. assaulting someone or solo paragliding without the relevant certification.
War or civil commotion
If you’re hurt during an act of war, whether declared or not, hostilities, civil commotion, terrorism or insurrection.
Injury to a child caused by a parent
Injury to a child caused by a parent, guardian or someone living with the child.
Flexible payment choices
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Flip it on
when you need it, flip it off when you don’t.
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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
- 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
We do have an exception to this rule, which is if your job is sport related such as a sports coach or professional athlete.
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.
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