Promotion - Terms and conditions

Use of Promotional Codes & Discounts

To use promotional codes you must meet eligibility requirements stated in the latest PDS available on as well as the following terms and conditions.

1. The promotional code can only be used once per customer;
2. The promotional code is not redeemable for cash;
3. If you cancel your insurance, the value of the offer is not refundable;
4. The promotional code can’t be used in conjunction with any other offer; and
5. The promotional code is valid for a limited time only and HCF Life reserves the right to modify or cancel it at any time.

Promotional codes apply discounts off of cover for a day, a week or the first month a monthly subscription. For any questions, please reach out to

Flip Uni 20% Offer:

Relevant Uni discount codes save 20% on all Flip Active and Flip Kids Day and Week purchases. Offer expires 31 October 2023 at 11:59pm

Noosa Tri Offer:

Valid until 31/12/23. The 20% discount applies to your first purchase. You will receive 20% off cover for a day, a week, or the first month of a monthly subscription. Subscriptions can be cancelled any time. Read the PDS and TMD at and consider whether this product is appropriate for you. Issued by HCF Life.

Flip Friends & Family Referral Offer Terms & Conditions


  1. The Flip Friends & Family Referral Offer (the "Offer") will run from November 14 2023 until November 14 2024 (“Active Offer Period”). 
  2. This Offer is made by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“we” or “us”), in connection with insurance issued by HCF Life Insurance Company Pty Ltd, ABN 37 001 831 250, and is independent of any other offer. 
  3. By participating, you agree to the terms and conditions outlined herein. We reserve the right to modify, extend, or withdraw this Offer at our sole discretion at any time.

How does this Offer work?

  1. This Offer is available to current, registered Flip customers and their eligible friends, acquaintances, and family members (referred to as "Friend" or "Family Member"). A Friend or Family Member will be eligible for the Offer if they have not previously registered with Flip and meet the conditions to purchase the relevant Flip product.
  2. During the Active Offer Period, each current Flip user will receive a unique referral code after making their first order.
  3. You can participate in the Offer:
    1. If you are a current Flip customer – by sharing your referral code with a Friend or Family Member: For each new Friend or Family Member who uses your referral code to register a Flip account and proceeds to purchase Flip accidental injury insurance, you will receive a 25% discount on your next purchase.
    2. If you are a Friend or Family Member – by using the referral code you received from an existing Flip customer to purchase cover: If you use a referral code when purchasing a Flip product and are a first-time transacting customer, you will receive a 25% discount on that purchase.

What else should I know?

  1. This Offer is applicable only to the purchase of Flip cover from any of the ‘direct to consumer’ (D2C) products - Flip Active or Flip Kids. The offer excludes the Group Active ‘Business to Business’ (B2B) product, Flip Group Active.
  2. This Offer cannot be sold, exchanged, transferred, redeemed, replaced or refunded for cash or any other type of credit, and cannot be applied to any previously purchased cover. 
  3. We may, at our sole discretion, reverse this Offer if we reasonably suspect that:
    1. you have not participated in this Offer in good faith; or
    2. you have acted in a fraudulent, deceptive or misleading manner.