How we’re daring to be different
On-demand
Flip it on when you need it, flip it off when you don’t.
There are some days you feel more at risk of injury than others. Traditional insurance makes you pay for every day, no matter what you’re doing. With Flip, you’re in control. Triathlon today? Flip it on. Massive Netflix binge? Flip it off. You’ve got the flexibility to turn your cover on and off as you please, with no lock-in contracts or waiting periods.
Instant
No waiting periods. Get cover on the go in a few taps.
Adventures can be spontaneous, and we’re right there with you. With Flip, you can instantly activate your cover with no quotes, delays or waiting. So if you’re heading out there to enjoy life and feeling a little worried about injury, you can flip on your cover and seize the day knowing you’ve got cover if something goes wrong.
Digital
Lightning-fast sign-up. Make claims and receive payouts from anywhere.
No paperwork, no phone calls. Everything is designed for speed, and all you need is a connected device. Activate cover in a few taps, submit a claim online and get cash straight to your bank account for approved claims. And in case you were wondering, we use robust encryption and secure payment methods to protect your data and privacy.
Affordable
Only pay when you need it.
With Flip, you don’t need to pay for year-round cover when you only feel at risk of injury on certain days. Cover a race, a trip or a season and enjoy your active lifestyle without breaking the bank.
Simple
Straightforward protection with no confusing jargon.
Insurance is renowned for being hard to understand, but we set out to change that. We explain everything clearly and honestly, so you know exactly what you’re getting and what you’re not. There are no hidden catches. Our simple online process makes it easy to get cover, get claims approved fast and get cash in your pocket right when you need it.
Trustworthy
Backed by HCF Life, which is owned by Australia's largest not-for-profit health insurer, HCF.
We’re on your side and want to support your recovery so you can get back out there and enjoy doing the things you love. Flip may be a young company, but we’re backed by HCF and part of the HCF group, which has been around for over 90 years, so you can have complete confidence that we’ll be there when you need us most.
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