Flip Insurance isn’t a traditional insurance product. You can take out cover whenever you feel like you might need it. You can keep it for a day, a week, a month – there’s no obligation to stay.
It could be good if you plan to do lots of activities on a holiday at one of Flip's covered destinations. You could take out cover for the time you’re away or even just the days you’re doing certain activities.
They also have a kids product. So for example if your child is competing in a sports event and you want to protect them, them this could be a good option. This cover is available within Australia and New Zealand, as well as overseas at one of Flip's covered destinations.
Flip Insurance also offers group policies so you can insure your team or business for accidental injuries. This can be great for team events like sporting days or outdoor adventures.
It’s probably not that helpful if you don’t do any sports or other activities – in which case, a traditional travel or health insurance product is probably more suitable.
How does Flip Insurance work?
Take out cover.
Get injured. You’ll only be covered for injuries that occurred while your insurance was active.
Gather evidence. Make sure you see a health professional within 14 days to provide evidence of your injury.
Submit a claim via the Flip Insurance app. Upload your evidence.
Get cash. This is also where it differs from traditional insurance. It will pay cash straight to your bank account. You can spend the money however you like. It doesn’t necessarily need to go towards the injury.
Congratulations, Flip!
Flip won the award for 'Insurance Innovation' in the 2023 Innovation Awards.
Flip is owned by HCF Life, one of Australia's largest not-for-profit health funds.
Flip Insurance was founded in 2021. It’s technically a type of life insurance but it works more like a health or travel insurance policy without the usual restrictions such as lock-in contracts.
SPONSORED: With Flip Insurance and Finder, you'll be able to find cover for just about any activity. Get insurance that can keep up with your active lifestyle.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
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Gary Ross has written 644 Finder guides across topics including:
Find out what cover is on offer from Zurich Life Insurance and receive a secure quote for cover. Zurich offers a Life, Income, TPD, Trauma, and Child Cover with additional options to tailor cover further.
Compare Life Insurance and Income Protection policies from Real Insurance and get cover in place with no medical or blood tests.
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