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Insurance for the moment
Peace of mind for life’s adventures.
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Our story
Insurance made for today
We exist to help you enjoy more of the moments that matter.
Up until now, insurance has been expensive, confusing and inflexible. We’ve heard too many times that people can be covered for all sorts of things they’d never need, at times they didn’t need it, or not covered when they needed it the most.
That’s why we created Flip. We believe everyone should have access to affordable, flexible cover that protects them from the financial impact of accidental injuries so they can get out there and do more of the things they love.
Where it all began
Flip was founded in 2021 by HCF, Australia’s largest not-for-profit health insurer, to help underinsured Australians protect themselves from the financial pain of injuries.
Innovation runs deep
We've completely changed how people can protect themselves from unexpected injury costs with our Australian-first, pay-as-you-need cover.
Launched Australia’s first on-demand accidental injury insurance
Introduced Japan Pass for the Japan snowsport season
Updated purchase options to better suit customer needs
Created Group Active, a policy option for event and sport group hosts
By popular demand, launched Flip Kids to cover their injuries
Launched Flip Roaming, our accidental injury insurance option for Australians abroad
We’re not done yet
Every day, we challenge ourselves to keep innovating. We push the limits of what’s possible. We want to fill insurance gaps in new ways to protect our customers better. We’ve got some exciting projects in the pipeline, so watch this space.
What Flip users are saying
I would highly recommended Flip insurance, the claim process is exceptionally easy to navigate and all information for the process explained. My claim was processed and approved within a couple of hours. A very positive insurance experience which is a rarity nowadays! Well done to the Flip team!
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Flip were incredibly easy to work with and the process of putting in a claim is super simple. It is so easy to switch on your cover even if you think you don't need it. I highly recommend anyone who is active like me, who loves extreme sports, to get cover with Flip.
The claim process is as straightforward as it could possibly be!
I received great service from Flip, the communication was clear and professional and they helped me out when I needed it. The coverage is great, it covers all it needs to!
Flip is simple and I can choose exactly when I want cover. Signing up literally took less than two minutes. Being able to cancel when I don’t need it and get cover again when I do is perfect for my lifestyle.
I’m always skeptical of insurance products and it being too good to be true, so need to find the catch. Not this time Flip’s the real deal.
Between all of my sports, I probably get injured more than most. I feel super protected with Flip because it helps with out of pockets gaps, and random expenses. I wouldn’t be without it for the peace of mind.
Meet the team
We’re climbers, skiers, yogis, cyclists and big-picture thinkers who know firsthand the highs and lows of an active lifestyle. We started Flip Insurance in 2021 to provide simple, flexible, affordable cover to protect under-insured adventurers.
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Florian Dahlmann
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Sofia Lemaitre
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Gus Gambarini
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Zac Hancock
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Leo Hillary
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Jamie North
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Hannah Thomas
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Kai Yang
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Katja Feary
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Gabriella Yarrell
Our Insurance
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As seen in
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Flip Insurance launches 'first-of-its-kind' cover for children
Finder Flip Insurance Flexible Cover Hub
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Australian insurtech Flip extending single-day injury cover as demand grows
Want a behind-the-scenes scoop?
Flip it on when you need it, flip it off when you don’t.
How Flip helps
Examples
Not covered by medicare
Not covered by medicare
Not covered by medicare
Not covered by medicare
Not covered by medicare
Not covered by medicare
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Search your activity
Search for your activity
Insurance that’s flexible
- Activate instantly, no waiting periods
- No lock-in contracts
- Get cash payouts for eligible claims
- Lightning fast cover
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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.
Can I trust Flip?
Of course. Flip products are issued by HCF Life, a wholly owned subsidiary of Australia’s largest not-for-profit health insurer, HCF. We’re legit.
Who is Flip for?
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 or are temporarily in Australia as a tourist.
What makes Flip Insurance different from the others?
Health insurance focuses on covering tests and treatment for a huge range of illnesses (which is why it’s so expensive). Flip pays a set amount for injuries of a specified severity that are caused by accidents. With health insurance, money is paid to doctors and hospitals but Flip pays you cash that you can spend however you like. Unlike other insurance, there are no waiting periods, no complicated application or quote processes, and no paper. We’re fully digital - even our claims.
Should I get accidental injury insurance if I already have Medicare and private health insurance?
We can’t give you personal financial advice. It’s up to you to decide whether Flip is the right fit for you, but Flip accidental injury cover can be suitable if you are looking for a product that provides a cash payout and reduces the financial impact of the accidental injuries covered by it.
In the meantime, here’s a list of some of the things people generally spend their money on when they get injured:
- casting material, moon boots, braces, slings, splints or crutches
- specialist gaps from the physio, dentist or surgeon
- anaesthetist fees
- ambulance fees
- transportation if you can’t drive like Ubers and taxis
- assistance while injured like getting a babysitter, dog sitter or food delivery
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