How we’re daring to be different
What Flip users are saying
Case study
Charlie vs. the mountain.
Medicare and private health insurance can cover many health-related costs, but you can still be left out of pocket with unforeseen expenses as your recover.

As seen in
Frequently Asked Questions
Who is Flip?
Flip is an insurance cover provider. We’re owned by HCF Life, a subsidiary of Australia’s largest not-for-profit health fund, HCF. The Flip company was founded in 2021, and we set out on a mission to create insurance that people love by daring to be different.
What makes Flip Insurance different from the others?
Our mission is to create insurance that people love, by daring to be different.
This is how we do it:
- We embrace people with active and adventurous lifestyles
- Our application and quote process is uncomplicated and straightforward
- We’re fully digital, even our claims
- There are no waiting periods
- We pay cash that you can spend however you like
- We don’t exclude you or hike the price up just for you.
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