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We’ve flipped insurance.

Big-hearted. 100% digital.

Tired of feeling bamboozled by insurance?  Flip on-demand insurance is designed to be different. Instant, affordable, simple cover that’s on your side.

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Backed by
shape

How we’re daring to be different

Insurance has always been complicated, inflexible and expensive. So we reinvented personal insurance for today.

On-demand

Turn cover on when you need it, turn it off when you don’t.

No waiting periods

Get instant cover in a few taps, no quotes or delays.

Designed for speed

100% digital. Lightning-fast sign-up, claims and payouts.

Easy to understand

Straightforward without the jargon. No hidden catches.

On your side

We want to pay your claims and avoid confusing you.

Trustworthy

Backed by HCF, Australia's largest not-for-profit health insurer.

Go on, get out there

Life is for living. Let’s smash you out of your comfort zone. Go harder, higher, faster, further. Make this the week you try something new. 

Flip insurance gives instant peace of mind, so you can get out there and adventure stress free.
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Frequently asked questions

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Ready to give medical expenses the flip?

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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.
Privacy: Flip collects your personal information that you provide in this form for the purpose of providing you with information about Flip products, services and promotions. If you don’t provide your email address, Flip won’t be able to contact you about these matters. How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt out of direct marketing, is explained in the Flip privacy policy.
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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.

Privacy: Flip collects your personal information that you provide in this form for the purpose of providing you with information about Flip products, services and promotions. If you don’t provide your email address, Flip won’t be able to contact you about these matters. How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt out of direct marketing, is explained in the Flip privacy policy.
Thank you, your submission has been received!
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Flip Insurance PTY LTD
Backed by
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.