Insurance for accidental injuries

Flip in action

Maddy broke a tooth when she stacked on her mountain bike.

She saw a dentist, made a lightning-fast Flip claim. She got paid $2k straight-up cash to cover the bill.

What does Maddy get?

With Flip ($9 a week)

$2,000

Without insurance

$0

Case study: How Flip can help

Weekend climber | Weekday bike commuter

Meet Jake

Flip customer since July 2021

Jake’s always getting injured (usually from going rock climbing). He's glad Flip's got his back.

Read Jake's story

Things to know:

  • When you activate Flip insurance, you’re insured if you get hurt doing sport, on adventures or just bumming around at home.
  • When you schedule a Day Pass it starts from 12:00am on the scheduled day.
  • When you activate a Day Pass for the same day, your insurance starts straight away and continues until 11:59pm that same day
  • When you activate your Always On insurance, your insurance starts straight away and automatically renews each week unless you cancel or your cover ends.
  • When you cancel your Always On insurance, it ends at 11:59pm on the last day of your weekly billing period.

Injuries we cover

If your insurance is on when you receive one of these specified injuries in Australia or New Zealand, you get these set payouts.

Require surgery? That's $2K cash.

Serious injury

Like traumatic brain or spinal cord injury resulting in inability to move certain limbs, losing a limb and serious loss of hearing or eyesight.

$

20,000

payout

Things to know:

  • You get one payout per accident (if you get multiple injuries in the one accident, you get the highest payout, once)
  • Accident prone? No stress. You can claim multiple times up to $20k.
  • For all Specified Injuries, you'll need to see the relevant Health Professional no later than 14 days after your Accident. If your injury needs any of the surgery or dental treatment listed, you'll also need to have this done within 6 months after your Accident.

Major dental injuries

The following dental treatments because of a cracked, knocked out or displaced tooth:
  • Crown work
  • Bridge work
  • Implants
  • Dentures
  • Splints
  • Root canal

$

2,000

payout

Things to know:

  • You get one payout per accident (if you get multiple injuries in the one accident, you get the highest payout, once)
  • Accident prone? No stress. You can claim multiple times up to $20k.
  • For all Specified Injuries, you'll need to see the relevant Health Professional no later than 14 days after your Accident. If your injury needs any of the surgery or dental treatment listed, you'll also need to have this done within 6 months after your Accident.

Physical injury needing surgery

Surgery in a hospital for any physical injury.

$

2,000

payout

Things to know:

  • You get one payout per accident (if you get multiple injuries in the one accident, you get the highest payout, once)
  • Accident prone? No stress. You can claim multiple times up to $20k.
  • For all Specified Injuries, you'll need to see the relevant Health Professional no later than 14 days after your Accident. If your injury needs any of the surgery or dental treatment listed, you'll also need to have this done within 6 months after your Accident.

Minor dental injuries

Chipped or knocked (concussed) tooth.

$

200

payout

Things to know:

  • You get one payout per accident (if you get multiple injuries in the one accident, you get the highest payout, once)
  • Accident prone? No stress. You can claim multiple times up to $20k.
  • For all Specified Injuries, you'll need to see the relevant Health Professional no later than 14 days after your Accident. If your injury needs any of the surgery or dental treatment listed, you'll also need to have this done within 6 months after your Accident.

Wounds

Wounds that require stitches or ongoing care.

$

200

payout

Things to know:

  • You get one payout per accident (if you get multiple injuries in the one accident, you get the highest payout, once)
  • Accident prone? No stress. You can claim multiple times up to $20k.
  • For all Specified Injuries, you'll need to see the relevant Health Professional no later than 14 days after your Accident. If your injury needs any of the surgery or dental treatment listed, you'll also need to have this done within 6 months after your Accident.

Broken bones and dislocations

Breaks or dislocations that don’t require surgery at a hospital.

$

200

payout

Things to know:

  • You get one payout per accident (if you get multiple injuries in the one accident, you get the highest payout, once)
  • Accident prone? No stress. You can claim multiple times up to $20k.
  • For all Specified Injuries, you'll need to see the relevant Health Professional no later than 14 days after your Accident. If your injury needs any of the surgery or dental treatment listed, you'll also need to have this done within 6 months after your Accident.

Sprains and strains

Sudden injury to muscles, ligaments, tendons or cartilage, (not from overuse or wear and tear).

$

200

payout

Things to know:

  • You get one payout per accident (if you get multiple injuries in the one accident, you get the highest payout, once)
  • Accident prone? No stress. You can claim multiple times up to $20k.
  • For all Specified Injuries, you'll need to see the relevant Health Professional no later than 14 days after your Accident. If your injury needs any of the surgery or dental treatment listed, you'll also need to have this done within 6 months after your Accident.

Sprains and strains

Broken bones and dislocations

Wounds needing stitches

Minor dental injuries

Major dental injuries

 Physical injury needing surgery

Serious injury

What’s the catch?

Here’s the fine print we never try to hide

1

Your insurance has to be on before you get injured.
You can’t switch it on after your accident and then make a claim.

2

You have to see a relevant health professional to confirm the injury within 14 days of your accident.

3

Surgery or major dental treatment must occur within 6 months of the accident.

Frequently asked questions

What injuries are not covered?

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  • Injuries that existed before your insurance was turned on
  • Injuries not caused by an accident, like:
    • wear and tear or overuse injuries (e.g. shin splints, bursitis, chronic shoulder instability or tennis elbow)
    • medical stuff. For example, if you faint from low blood pressure and knock your head on the way down, that’s not covered.
  • Anything that’s not an injury, such as an illness.

    This is just a summary. Check out our PDS for the full detailed list.

What activities are covered?

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We cover most activities, so it’s easier to list the few activities we don’t cover:

  • motorcycling (which includes dirt biking)
  • anything illegal
  • accidents while working (unless your work is sports related e.g. sports coach or professional athlete)
  • anything outside of Australia or New Zealand

Here’s a list of just some of the many activities you can be doing (as long as they’re legal, and within Australia or New Zealand!):

  • horse riding
  • paragliding
  • surfing
  • chess playing
  • MTB riding
  • walking
  • lead climbing
  • boxing
  • karate chopping
  • deep sea diving
  • running
  • skiing
  • snowboarding
  • snowmobiling
  • e-biking
  • skateboarding
  • pogo sticking...

We could go on and on, but you get the idea.

What counts as an accident?

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It’s an event that happens suddenly i.e. you can pinpoint the time and location of when it happened.

The event is caused by something external to your body and involves an external force or object. For example, tripping or falling, or being in a crash or collision.

It’s also an event that’s unintentional. In other words, it's not planned or done on purpose.

What’s the waiting period?

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There isn’t one. You’re covered for a range of accidental injuries that happen while your insurance is on.

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 makes Flip accidental injury insurance flexible?

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We’re the first Australian insurer offering insurance by the day with our Day Pass purchase option.

We also offer a weekly subscription with our Always On purchase option that allows you to turn your insurance off any time.

The best part? It’s all digital, so you can sort your insurance in the palm of your hands within a few clicks.

Tell me more about Flip

Drop us your email and we’ll tell you about the latest ways Flip is helping people do more of what they love.
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