Flip Insurance

Flexible. Affordable. Simple.

Flip was created by HCF to provide their members, and active Aussies alike, with an innovative insurance solution that provides protection and peace of mind for when they need it most.

Flip is Australia’s first provider of on-demand accidental injury cover.

Our story

We exist to help you enjoy more of the moments that matter.

Even with Medicare and private health insurance, you often end up paying medical and other costs if you have an accidental injury.  This can deter people from trying new activities or doing more of the things they love.

This is why Flip on-demand accidental injury insurance was created. We want to provide everyday Aussies with a flexible, affordable and simple solution to what has traditionally been a challenging problem.

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 accidental injuries


Launched Flip Roaming, our accidental injury insurance option for Australians abroad

Popular sports that Flip can be used for

Favourite sport not here?

Don’t worry - Flip’s sports injury insurance provides cover for accidents in (nearly) every sport under the sun (unless it is motorcycling, illegal or booze-related, then you’re good to go!).
Find your sport

Search for your activity

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Flip covers accidents that are a result of Rock Climbing
Unfortunately Flip doesn’t cover accidents as a result of Motorcycling
We don't have that in our list. Unless it is motorcycling, illegal or booze related then it is good to go!
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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!
Bodhi S
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.
Carter G
The claim process is as straightforward as it could possibly be!
Daniel M | Mountain biker
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 two minutes. Being able to cancel when I don’t need it and get cover again when I do is perfect for my lifestyle.
Marie | Yogi | Runner | Cyclist
Person Climbing a hill on sunset
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.
Stitch | Runner | Boxer | Noob mountain biker
Mountain Bike Accident
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.
Ege | Soccer player | Indoor rock climber | Snowboarder
Snowboarder Performing a Jump