So flipping easy.

Lightning-fast claims so you can focus on recovery

We’ve made claiming painless. Claim in a few minutes. Get paid fast. Check out this claims overview to see just how easy it all is.

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How to make a Flip claim

Get your sh*t together.

  • See a relevant health professional within 2 weeks of your accident for minor injuries. Get surgery or major dental sorted within 6 months

  • Get a medical note as evidence of your injury. Make sure it includes the:

    • health professional’s name and provider number
    • time of the accident
    • cause of the injury
    • diagnosis

  • For even faster assessment of your claim:

    • grab witness details
    • photos of the accident (like pics of where it happened or your mangled bike 😥)
    • proof of the activity (like a Strava screenshot that shows the time)

Make a claim in minutes.

  • Go to your Flip dashboard

  • Answer a few questions, like where and when the accident happened, and what you were doing at the time. Be as detailed as you can, it can speed the whole process up

  • Upload the evidence you gathered in Step 1

  • We don’t need to see your medical bills. We don’t reimburse your expenses. We just give you a set payout depending on your injury

  • It’s flipping easy and takes less than 5 minutes 👌

Get paid fast. Straight up cash 💸

  • We’re on your side. We actually want to pay your claim. Getting you on the road to recovery and back out doing what you love is literally why we exist. So as long as you’ve given us all the evidence we asked for and everything stacks up, you’ll get paid, fast

  • We don’t pay your medical professionals, we pay you. Straight up cash, straight to your bank account

  • Spend your cash however you like (yep, seriously). Doctor’s bills. Physio. Naturopath. Netflix. Pizza. New kicks. Whatever. You. Want.

  • P.S. we obvs won't pay your claim if it's for something we don’t cover or if it’s fraudulent

Submit a claim

Frequently asked questions

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Flip Insurance PTY LTD
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HCF

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Flip advice is general in nature. We don’t take into account your personal circumstances, so please consider how appropriate it is for you before taking action. It’s important to read our Product Disclosure Statement and Financial Services Guide and Target Market Determination before signing up, too.

HCF Life Insurance Company Pty Ltd ABN 37 001 831 250, AFSL 236 806 (HCF Life) is the issuer of Flip Insurance. Flip Insurance Pty Ltd ABN 71 648 680 960, ARN 001288198 (Flip Insurance) is a wholly owned subsidiary and authorised representative of HCF Life. HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF), and acts on its own behalf.

Premiums for Flip cover 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 Insurance may receive remuneration from HCF Life for the financial services it provides in relation to Flip cover. Flip Insurance and HCF Life employees receive a salary, paid by HCF Life, for the financial services they provide in relation to Flip cover. In addition, HCF, HCF Life and Flip Insurance employees may also receive an incentive depending on the total revenue and profitability of the products which they sell. The portion of this attributable to Flip products will not exceed 10% of HCF Life’s premium revenue earned from Flip cover.

Acknowledgement of Country

Flip acknowledges the Traditional Custodians of the beautiful country throughout Australia where we are so lucky to live, work and play. We acknowledge and respect their connections to land, sea and culture. As adventurers, we are deeply grateful to respectfully share the beauty of the waters, mountains, beaches, trees, animals, stars, skies, and important sites. We pay our respect to all elders past and present and offer our respect and thanks to all Aboriginal and Torres Strait Islander peoples today.