Flip Group Active
Australia’s first on-demand group accidental injury cover.
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Why choose Flip Group Active
Accidents happen and injuries can be expensive, but insurance has always been complicated, inflexible and costly.
Increase participation rates
Attract new customers and encourage repeat visits with better protection and peace of mind.
Pay-as-you-go flexibility
Pricing can be set incrementally right down to per-person, per-day. Pay for only what you need.
More value for your customers
Integrating group insurance adds value and a point of difference to help you stand out.
Simple all the way
100% digital, no jargon, simple claims process and fast cash payouts for eligible claims.
Streamlined admin
Easy to set up and run. Customers claim directly with us with no involvement needed from you.
Get on the front foot
Don’t wait for a sticky situation to arise. Act now and help protect your customers.
What Flip Group Active customers are saying
Flip Group Active benefits
Cash to help you recover
Flip Group Active is accidental injury insurance.
We pay you cash directly to your bank account on approved claims, to spend however you want.
Here's what you get if your accidental injury is of a severity that requires any of the following:
- Diagnosis by an X-ray or ultrasound$100
- Diagnosis by an MRI or CT scan$100
- At least 2 physio* sessions$150
- At least 4 physio* sessions (Paid in addition to the A$150 benefit above)$150
- Specialist care$100
- A cast, brace or splint$100
- Urgent treatment in a hospital emergency department$200
- Inpatient hospital care for 2 or more nights$1,000
- Surgery in hospital$2,000
- Major dental (root canal, crown or bridge work, implants, dentures or splint)$2,000
- Care in an intensive care unit (ICU)$5,000
- Continuous ventilatory support in a hospital for 3 or more nights$15,000
Additional specific injury payouts
- A traumatic brain or spinal cord injury requiring care in an intensive care unit (ICU) for 5 or more nights$25,000
- A spinal cord injury that results in an inability to move two or more limbs that is persistent 1 month after the injury$50,000
- The removal of a hand, arm, foot or leg$50,000
For one Accident, you can qualify for multiple benefit types.
You can claim each benefit type once per Accident and you can receive up to $50,000 in payouts.
We cover you while doing most activities
We're all for having fun and leaving comfort zones. That's why we cover you while doing nearly any activity, from skiing to chess playing.
What's the catch?
There are some basic things we don't cover, like illegal activities or accidents that happen before your insurance starts.
But if your activity doesn't match anything on this list, that means it's covered.
Motorcycling
If you're injured as a result of riding a motorbike.
Injuries outside of Covered Destinations
If you're not in a Covered Destination when your injury happens.
Non sports related work
Paid work or employment isn’t covered (e.g. food delivery rider), except when the paid work or employment is a sports related activity (e.g. tennis coaching).
Overuse injuries
We only cover acute injuries caused by accidents, i.e. they happen all of a sudden and are unexpected. Any overuse injury, like shin splints, runners knee and tennis elbow aren’t covered.
Accidents that happen while your insurance isn't active
If you have an accident before your insurance starts or after it ends, that's not covered.
Dental injury when eating or drinking
Dental injuries caused by food or drink including any foreign object in it while being consumed.
Medical stuff
Accidents or injuries caused by medical conditions or episodes e.g. an injury caused by osteoarthritis, a seizure or a heart attack, or by medical procedures or related complications.
Booze and drugs
Being under the influence of alcohol, taking illicit drugs, or taking medication in a way not as directed.
Intentional self-injury
If you hurt yourself on purpose, that’s not covered. For example, popping your own shoulder out to prove to your mates you can.
Injury to a child caused by a parent
Injury to a child caused by a parent, guardian or someoneliving with the child
Breaking the law
If you’re injured while involved in an illegal act e.g. assaulting someone or solo paragliding without the relevant certification.
War or civil commotion
If you’re hurt during an act of war, whether declared or not, hostilities, civil commotion, terrorism or insurrection.
Injury to a child caused by a parent
Injury to a child caused by a parent, guardian or someone living with the child
Did you know…
Some Group Accidental Injury Insurance policies have as many as 5-steps, involving paper forms, in their claim process, which can take weeks.
Flip’s Group Active policy is 100% digital. Claiming can take just a few minutes for eligible injuries, and we pay eligible claims within days.
Protect your customers with Flip Group Active.
Flip exists to help Australians enjoy more of the moments that matter. We’re building on the success of our on-demand accidental injury insurance by offering group insurance plans for businesses in the sports, adventure and wellness industries.
Why Flip?
Whether you run a gym, a competition, a ski resort or a yoga studio, you’ll know accidents can happen anytime, anywhere. With our group insurance plans, you can offer your customers an extra layer of protection from the financial impact of medical expenses. Our plans are simple, flexible, and affordable. You can choose the level of cover that suits your business and your customers.
By partnering with Flip, you can show your customers that you care about their safety and wellbeing while boosting brand loyalty, attracting new customers and increasing your revenue.
Ready to get started?
Frequently Asked Questions
How much do group insurance plans cost my customers?
Your customers don’t need to pay anything for this insurance cover, because you, as the policy owner, are the one obtaining this cover for their benefit (where eligible).
As a business, you might consider factoring the cost of Flip Group Active into your pricing - after all, the peace of mind from our insurance is a value add to your customers.
How much does group personal accident insurance cost my business?
Our pricing ranges from $2-$6 per person per day, depending on the volume of customers you are insuring, and the risk associated with the primary activities included in your policy.
This is significantly cheaper than our direct to consumer pricing, which is $7 per day. Generally, the more you insure, the cheaper it gets.
We can also offer discounted weekly or monthly pricing for you when it is more economical for you to insure your customers in this way.
Why should I get Flip Active group accidental injury insurance for my customers?
With so many choices, potential customers are more likely to choose businesses that genuinely look after them.
By protecting your customers from unexpected accidental injury costs with our simple, transparent, customer-centric insurance, you’ll add a point of difference and add value for you and your customers.
Do you offer other insurances like Public Liability insurance?
No, at this stage we only offer accidental injury insurance. But keep an eye out as our team is continually innovating and adding new products to our portfolio.
I've never heard of Flip. Who backs it and how do I know I can trust a new insurance provider?
Flip is backed by HCF Life, which is owned by Australia's largest not-for-profit health insurer HCF, which covers 1.8 million members all over the country. We’re legit.
Can you show me how Flip Group Active compares to other group personal accidental injury insurance?
Just ask us for more detail on the below:
- Genuine Value with cash payouts for end customers
- Simple and direct pricing — no hidden fees
- Reduced claims admin for both business and customers
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