Critical Illness Insurance
Protecting you if you become critically ill or injured.
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Premium type/entry age
- Stepped premiums: 16 – 62 (age next birthday)
- Level premiums: 16 – 60 (age next birthday)
What is Critical Illness (Trauma) Insurance?
Critical Illness Insurance gives you financial freedom if you become critically ill or injured and require extensive medical treatment to recover your health.
A lump sum payment from your Critical Illness Insurance policy gives you the financial security in the worst of times.
It allows you the financial freedom to access the best medical treatment available, pay for your rehabilitation, and cut back on your work hours to concentrate on your recovery.
What are the key features?
- Maximum benefit amount of up to $2 million across all insurers
- Critical Illness Premier, including Advancement Benefit and Female Specific Critical Illness Benefit
- Eligible for Health Sense discount
- Built-in Paralysis Support Benefit
- Lump Sum Payment if you are diagnosed with a covered illness or injury of specified severity
- Bundle with your Life Insurance for lower premiums
Flexibility, innovation, great value
How our award-winning life insurance product works for you:
Designed for flexibility
Mix and match a range of products and features to best suit your needs
Simple rewards if you're healthy
Clever features like our popular TAL Health Sense discount
We’re there when it matters
Every working day we pay an average of $5.3m in claims
What other benefits does Critical Illness Include:
Not all benefits, options and sum insured levels are available online.
Recovery Insurance claims by gender and age
What important details do I need to know?
Claims at TAL
Every claim we pay is a promise kept
In 2020, we paid $2.7 billion in claims to 36,901 customers and their families. That’s equivalent to over $45 million a week.
People often think claims are all about payments to families when a loved one passes away. And of course, that's part of what we do. But 68% of all the claims we paid last year were to help customers keep living the lives they love, after an accident or illness.
Your guide to making a claim
When things go wrong with your health, or the health of a loved one, you may find yourself doing many things for the first time. It’s sometimes tricky to know where to start and it can feel overwhelming. We’re here to support you to make your claim as easy as possible.
If you need to make a claim with TAL, you’ll be assigned a dedicated claims consultant. They’re there to understand your situation and what they can do to support you when making a claim.
Why choose TAL as your Recovery Insurance provider?
What other insurance can I include in my TAL life insurance plan?
Protects your family’s future and gives them options if you are no longer around.
Total and Permanent Disablement Insurance
Gives you options to help you live a better quality of life if you are permanently disabled and can’t work again.
Income Protection Insurance
Provides you with an income to help you continue living your life if you have an injury or illness and can’t work.