Flip: Insurance + Wellbeing

Injury cover + pre-paid dental vouchers. Flexible protection, backed by HCF.

Flip is Australia's first on-demand accidental injury insurance and wellbeing app - helping you stay covered, healthy and ready for whatever life throws your way. From injury cover to dental care, Flip makes it simple to protect yourself with no lock-ins, no paperwork and no stress. Here’s what you’ll find in the Flip app:

1. Accidental injury insurance for life’s best moments: Whether you're hitting the slopes, playing weekend sport or just living life, Flip gives you cash payouts for eligible injuries.
• Turn cover on when you need it, turn it off when you don't
• Choose from a range of flexible cover options
• Cover for adventures in Australia and overseas
• Get up to $50,000 paid directly to your bank account for approved claims
• Submit claims through the app
• Most claims approved within days

2. Flip Dental makes preventive care easy: Get access to quality dental care at HCF Dental Centres.
• Pre-paid digital pass for check-ups, cleans and preventive care
• No HCF membership required
• Affordable access to trusted dental care

What makes Flip different:

Designed for how you live: Not everyone needs year-round cover. Maybe you only need protection for a one-day event or the ski season or the months your teen plays sport. Flip lets you match your cover to your life.
• Actually simple: Flip is 100% digital. No phone calls, no wondering what you're covered for. Just straightforward protection.
• Award-winning innovation: We've won the WeMoney Life Insurance Innovation of the Year award back-to-back because we're doing something different in Australian insurance.
• Trusted backing: Flip is backed by HCF, Australia's largest not-for-profit health insurer. We're part of something bigger, so you're in safe hands.

Who is Flip for?

Weekend warriors. Families with active kids. Ski and snowboard enthusiasts. Anyone who wants dental care without the health fund commitment. People looking for insurance and wellbeing options that work for real life.

What our customers say:

My claim was processed and approved within a couple of hours. A very positive insurance experience which is a rarity nowadays! Well done to the Flip team! Bodhi | Skateboarder

When I buy Flip, I feel like I have done everything I can to protect myself. It's convenient, it's inexpensive, and most importantly, it gives me peace of mind every time I hit the water. Enrico | Surfer

Ready to get started?

Download Flip and explore our range of accidental injury cover and dental care options. Cover starts from $7 a day, and dental digital passes help you save. Stay covered and stay well, all in one app.

Disclaimer: 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 and read the PDS and TMD at flipinsurance.com.au before deciding on a product.
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 Flip products, and for meeting their compliance obligations. This remuneration is provided on a discretionary basis and may vary from time to time.