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On-demand accidental injury cover

At Flip, we provide cover for the moment, the big race, game day, snow season and more with Australia’s first on-demand accidental injury cover.

From $7 a day
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Designed to be different

Every Australian should have access to affordable accidental injury cover. That’s why we created Flip - flexible, straightforward cover with no lock-in contracts*.

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A new type of insurance

Flip gives you more control over your cover, with the ability to turn it on when you need it and off when you don’t.

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On-demand cover

Get cover as you need, with no waiting periods, and fast cash-payouts into your bank account when a claim is approved.

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Made for any budget

From $7 a day, Flip gives you access to quality, affordable protection, without the expense of paying for cover all year.

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Complements your health cover

A valuable addition to your health cover giving you extra protection when you need it, and freedom to choose when you don’t.

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Incredibly easy to use

Sign up in minutes, activate cover in a few taps from anywhere, submit claims completely online and get fast payouts.

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Created by HCF

Backed by HCF Life, part of Australia’s largest not-for-profit health fund group, committed to innovating the way Australians can protect their health.

Learn more about Flip
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Already with HCF? Save with HCF Thank You

HCF members can save 15%^ when you take out cover with Flip. Just log in to the My Membership app to find your code and save on Flip accidental injury cover.

Save on Flip today

Cover for your favourite sports

Whether you’re kicking goals on Sunday, hitting the slopes this winter, or off for an overseas adventure, you can get injury cover for most sports and activities.

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Cycling

Flip on cycling insurance for race days, time trials, rides through the country and more, with peace of mind that you’re covered for a range of accidental cycling injuries.

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Skiing and snowboarding

With Flip covering you all season, you don’t have to steer away from hitting the jumps or tackling more difficult runs.

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Overseas activities

Climb the highest mountains, carve new slopes, and chase huge waves without a worry, thanks to accidental injury cover for your travels with Flip Roaming.

Learn more today

Hear from Flip members

“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.”

Dougal

Mountain biker

“Flip is simple and I can choose exactly when I want cover. Signing up literally took less than 2 minutes. Being able to cancel when I don’t need it and get cover again when I do is perfect for my lifestyle.”

Marie

Runner, cyclist

“Between all of my sports, I probably get injured more than most. I feel super protected with Flip because it helps with out-of-pocket gaps, and random expenses. I wouldn’t be without it for the peace of mind.”

Ege

Rock climber, snowboarder

Award-winning insurance for everyday Australians

Flip WeMoney 2023 WeMoney Life Insurance Innovation of the Year logo
2023 WeMoney Life Insurance Innovation of the Year

Flip Insurance won the WeMoney Life Insurance Innovation of the Year Award in 2023 for its flexible and disruptive approach to insurance.

2024 WeMoney Life Insurance Innovation of the Year award
Two-time WeMoney award winner

For the second consecutive year, Flip Insurance was recognised with the 2024 WeMoney Life Insurance Innovation of the Year award.

Flip 2023 Finder Best Insurance Innovation award logo
2023 Finder Best Insurance Innovation award winner

Flip Insurance was recognised for its unique approach in meeting the evolving needs of Australian consumers by taking home the Best Insurance Innovation award at the 2023 Finder Innovation Awards.

Looking for more information about Flip?

Answers to commonly asked questions to help you get the information you need.

Flip is Australia’s first on-demand accidental injury insurance that offers cash payouts for eligible accidental injuries. There are no waiting periods, lock-in contracts, or cancellation fees. Created by HCF, as part of a commitment to driving industry innovation and helping Australians lead healthier, more active lives, this entirely new category of cover lets you use your cash however you like. Whether it’s on medical costs that aren’t covered by your insurance, taxis to your appointments, or food delivery while you’re out of action. Whatever works for you as you recover.

Find the Flip product for you

On-demand injury cover means you can buy and manage your Flip accidental injury cover with just a few clicks, and use it when you need it. It also means there’s no waiting periods or conditional checks to worry about. When you Flip your insurance on, it starts straight away or from a scheduled date. So, if you have a marathon you’ve been preparing for or you’re hitting the slopes, Flip on accidental injury cover and get the protection you need.

Discover how on-demand cover works

Flip’s on-demand accidental injury cover can protect you for areas outside of Medicare and your private health cover. For example, if you have hospital cover and are travelling overseas, Flip Roaming will provide cover for any eligible accidental injuries that might happen during your travels. If you have extras only cover, Flip will provide extra protection when it matters most, like sports days or gym sessions, covering medical costs if you get injured. With Flip, you get cash payouts for eligible claims, that you can use however you like. The best part? You only pay for the days you need it.

Learn more about Flip’s products

Flip is Australia’s first on-demand accidental injury insurance that offers cash payouts for eligible accidental injuries. There are no waiting periods, lock-in contracts, or cancellation fees. Created by HCF, as part of a commitment to driving industry innovation and helping Australians lead healthier, more active lives, this entirely new category of cover lets you use your cash however you like. Whether it’s on medical costs that aren’t covered by your insurance, taxis to your appointments, or food delivery while you’re out of action. Whatever works for you as you recover.

Find the Flip product for you

On-demand injury cover means you can buy and manage your Flip accidental injury cover with just a few clicks, and use it when you need it. It also means there’s no waiting periods or conditional checks to worry about. When you Flip your insurance on, it starts straight away or from a scheduled date. So, if you have a marathon you’ve been preparing for or you’re hitting the slopes, Flip on accidental injury cover and get the protection you need.

Discover how on-demand cover works

Flip’s on-demand accidental injury cover can protect you for areas outside of Medicare and your private health cover. For example, if you have hospital cover and are travelling overseas, Flip Roaming will provide cover for any eligible accidental injuries that might happen during your travels. If you have extras only cover, Flip will provide extra protection when it matters most, like sports days or gym sessions, covering medical costs if you get injured. With Flip, you get cash payouts for eligible claims, that you can use however you like. The best part? You only pay for the days you need it.

Learn more about Flip’s products

Important Information

* Advice on this webpage provided by Flip Insurance Pty Ltd ABN 71 648 680 960, ARN 001288198 (Flip) and is general in nature. Flip does not take into account your objectives, financial situation or needs, so please consider how appropriate it is for you before purchasing. Read our PDS, FSG and TMD available at flipinsurance.com.au before purchasing, too. HCF Life Insurance Company Pty Ltd ABN 37 001 831 250, AFSL 236 806 (HCF Life) is the issuer of Flip insurance. Flip is a wholly owned subsidiary and authorised representative of HCF Life. You can contact Flip and HCF Life here. HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746, AFSL 241 414 (HCF) and acts on its own behalf. Premiums for Flip insurance are paid to HCF Life. HCF receives commission of 80% of HCF Life’s underwriting profit each year, calculated as premiums less claims and expenses. Flip may receive remuneration from HCF Life for the financial services it provides in relation to Flip insurance. Flip and HCF Life employees receive a salary, paid by HCF Life, for the financial services they provide in relation to Flip insurance. In addition, HCF, HCF Life and Flip employees may also receive an incentive depending on the total revenue and profitability of Flip insurance, and for meeting their compliance obligations. This remuneration is provided on a discretionary basis and may vary from time to time.

^ To access the promotion code, log in to the My Membership app or online member services and go to the insurance section of the HCF Thank You page to find the code. Eligibility criteria applies. You can access HCF Thank You offers after you’ve been a member for a week, and if your premiums are up to date. Offers and partners are subject to change without advance notice. See HCF Thank You terms and conditions.

HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan