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. 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.
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. 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.
Best insurance innovation
Flip continues to flip the script on what insurance looks like – it's not the first time it has been recognised for innovation in our awards. Flip Insurance offers Australia's first on-demand accidental injury cover, aiming to fill the gap between Medicare and private health insurance. It recently made cover available to anyone in Australia, including international students, and launched Flip Kids, which made cover available to those between 5 and 17 years old.
You pay the same as buying directly from the life insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of life insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 250+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of life insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2016, we've helped 270,000+ people find life insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
FAQs
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 is 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).
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