Claims paid

What we pay? Why we might decline a claim? And, what you can do to make your claim as easy as possible.

At TAL, we believe that every claim paid is a promise kept

We believe it’s our job to help support you and do what we can to make your claim as easy as possible for you.


To assist us with your claim, there is certain information you may need to provide.

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Personal information

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Financial information

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Medical information


Visit our guide to claiming

Life Insurance Claims Paid 2018

In 2018 we paid almost $1.62 billion to more than 26,000 Australians and their families.# Of the total claims we paid, 62% helped our customers continue living their lives while recovering from an injury or illness. Included below are the most common reasons for making a claim.##


Why we might decline a claim?

Delivering on the promises we make to our customers and paying all legitimate claims is very  important to us. All life insurance has  certain limitations that apply to cover and conditions that must be met for a claim to be paid. This  helps to ensure the cost of cover remains  as fair and affordable as possible for all existing and new policy holders. The terms of your cover will differ depending on the type of cover you hold and may also differ depending on your personal circumstances. 

It’s important that you read the relevant documents relating to your policy to understand what your policy covers and what it doesn’t and if there are any conditions that must be met in order to make a claim. To help you understand why we might decline a claim, we’ve listed some of the common reasons why a claim may not be paid, however these examples  may or may not relate to your type of cover.

If you have any questions, contact us or speak with your financial adviser. If your cover is provided through your super fund, reach out to them directly as they’ll be able to answer any questions.

Common reasons we decline a claim


Important note: #Claims statistics based on TAL total number of claims paid in 2018. ##Claims statistics based on total claims paid under TAL products (excluding funeral insurance). 1Australian Institute of Health and Welfare 2018. Australia’s health 2018. Australia’s health series no. 16. AUS 221. Canberra: AIHW. 2Australian Institute of Health and Welfare 2018. Australia’s health 2018. Australia’s health series no. 16. AUS 221. Canberra: AIHW. 3Australian Institute of Health and Welfare: Pointer SC 2018. Trends in hospitalised injury, Australia 1999–00 to 2014–15. Injury research and statistics series no. 110. Cat. no. INJCAT 190. Canberra: AIHW. 4Australian Bureau of Statistics. (2009). National Survey of Mental Health and Wellbeing: Summary of Results, 4326.0, 2007. ABS: Canberra. 5Australian Bureau of Statistics, 2018, National Health Survey: First results, 2017-18, ABS cat. no. 4364.0.55.001, December.

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