TAL Health Insurance

Know you’ve got the right cover for you

Health insurance is one of those things we all tend to ‘set and forget’: when was the last time you reviewed your health cover?

We want all Australians to be confident they’ve got the cover they need for what’s most important to them.

TAL Health Insurance is designed to give you that confidence. Our team can help review your health insurance needs, so you know you’ve got the right cover throughout life.

And when you’re referred through your financial adviser, you’ll receive a 5% premium discount, making the right cover even more affordable.

New and Existing Customers

New and Existing Customers

Log in here to set up and manage your TAL Health Insurance account.

Key features

  • 5% premium discount when you’re referred by your financial adviser
  • See recognised providers you want to see, even when you switch
  • 100% back on a range of preventative checks, we’ll cover tests that Medicare doesn’t1
  • Quick and easy to switch
  • No waiting period on equivalent services when switching
  • Take out a combined TAL Hospital and Extras policy and receive up to $300 off your policy*

Mix and match to create the cover you need

Everyone wants different things from their Hospital and Extras cover, so we’ve created a range of options to suit, whether you’re single, a couple, or starting to grow your family.

TAL Basic Hospital cover is also available when you speak with a TAL Health Insurance Consultant. 

All our Hospital options include accidental injury benefit2, emergency ambulance3, dental surgery, tonsil removal, appendix removal and grommets in ears.

With TAL Health Insurance, you can choose your excess amount - between $500 to $750 for singles and $1,000 to $1,5000 for couples and families - so you've got more options to suit your needs and budget.

If you're 18 to 29 years old and have or are planning to take our hospital cover, you can receive a premium discount of up to 10%4.

Available with Hospital cover or on its own, all our Extras options include 100% back for preventative tests to the value of $1001 and general and major dental, optical and physio and chiro.

Find out more

If your adviser has recommended TAL Health Insurance, they can help you understand your options with TAL Health Insurance. Speak to them to easily get started.

Don’t have an adviser? Give us a call on 1300 209 089 and our team can help you review your health insurance needs and make sure you’ve got the right cover, at the right price.

For all important policy information, please read the TAL Health Insurance Policy Booklet.

All about health insurance: your FAQs

What 's health insurance?

Health insurance (or private health insurance) helps you access the healthcare you need, when you need it. It offsets some of the costs that Medicare doesn’t cover and can give you more options if you need to be in hospital, like opting for the private (rather than public) system and choosing your own doctor.

What’s Hospital cover?

Hospital cover is one part of health insurance and covers things like surgery, anaesthesia or operations, as well as your stay in hospital. It’s available at lots of different levels, with different procedures and services included, so make sure to check that what’s covered matches up to what you want.

What’s Extras cover?

Extras cover is for things Medicare doesn’t pay for and aren’t part of your Hospital cover: dental, chiro, physio and optical, for example. You can choose to have Extras cover on its own, or combine it with Hospital cover.

What’s the ‘gap’?

When you have medical or hospital charges, you may hear the term ‘gap’ when it's time to pay your bill. It’s the term that’s used for the amount of money outstanding after Medicare rebates and private health insurance payments have been included. The gap is also referred to as an ‘out-of-pocket’ expense.

The gap isn’t a fixed amount or percentage. It changes depending on what your specialist charges and what’s covered under your health insurance policy.

What are waiting periods?

When you take out a new health insurance policy or increase your level of cover, some waiting periods may apply, which is how long you have to wait before you can make a claim. Waiting periods are usually between 2 and 12 months..

All health insurers have them – it's necessary to keep health cover fair.  If you’re switching to a new health insurer and taking out an equivalent or lesser amount of cover, waiting periods for those services already covered are usually waived if they were completed under your previous policy. If you’re switching and want a higher level of cover however, some waiting periods may apply.

What’s the Medicare Levy Surcharge?

Medicare gives Australian residents access to health care. It is partly funded by the Medicare levy, which is 2% of your taxable income. You pay a Medicare levy in addition to the tax you pay on your taxable income.

The Medicare Levy Surcharge (MLS) is an additional levy, designed to encourage people to take out private Hospital cover, and where possible, to use the private hospital system to reduce demand on the public system. If your income exceeds certain MLS thresholds and you don’t have an appropriate Hospital cover, you may have to pay the MLS.

You can find out more about the MLS here.

What’s the Australian Government Rebate?

The Australian Government Rebate (AGR) was designed to help more Australians access health insurance, by offering some people a rebate – or refund – on their insurance premiums. You can nominate to claim your rebate upfront to reduce the amount of your TAL Health Insurance premiums. The AGR is calculated based on income and the age of the oldest person covered by the health insurance policy. To see if you’re eligible for the AGR, use the Australian Taxation Office’s Private Health Insurance Rebate Calculator

What’s Lifetime Health Cover?

Government introduced the Lifetime Health Cover (LHC) loading to encourage people to take out (and maintain) private Hospital cover earlier in life. LHC is a financial loading which may be payable in addition to the base rate premium for your private health insurance hospital cover. If you purchase hospital cover earlier in life, and keep it, you will pay lower premiums compared to someone who joins when they are older. You could pay an extra 2% on top of your private Hospital premium, up to a maximum of 70%.

To avoid paying an LHC loading, you need to purchase hospital cover before July 1 following your 31st birthday.

You can find out more about the LHC and see how much you might have to pay if you didn’t have Hospital cover here.

*WHEN A COMBINED TAL HOSPITAL AND EXTRAS COVER IS PURCHASED BETWEEN 01/07/19 AND 31/08/19 THE ELIGIBLE CUSTOMER WILL RECEIVE UP TO $300 OFF THE PREMIUM PAYABLE, DEPENDANT ON THE SCALE OF THE PRODUCT PURCHASED. A $150 REDUCTION TO THE PREMIUM WILL APPLIED FOR SINGLE SCALE POLICIES AND A $300 REDUCTION WILL BE APPLIED FOR COUPLES OR FAMILIES, THE OFFER WILL ONLY BE FULFILLED TO THE PRIMARY POLICYHOLDER ONCE THE POLICY HAS BEEN HELD FOR 60 CONSECUTIVE DAYS AFTER THE END OF THE MONTH THAT THE ELIGIBLE PRODUCT WAS PURCHASED IN. THE OFFER IS NOT AVAILABLE TO EXISTING HEALTH INSURANCE CUSTOMERS OF TAL, OR TO PREVIOUS POLICYHOLDERS WHO HAVE JOINED AND CANCELLED 6 MONTHS BEFORE OR DURING THE OFFER PERIOD. TAL RESERVES THE RIGHT TO WITHDRAW OR EXTEND THIS OFFER AT ANY TIME. TERMS & CONDITIONS APPLY SEE TAL.COM.AU/HEALTH-INSURANCE-OFFER FOR MORE INFORMATION.

1 ON SELECTED PREVENTATIVE HEALTH CHECKS. ANNUAL LIMITS AND WAITING PERIODS APPLY. LIMITS VARY DEPENDING ON WHICH TAL HEALTH INSURANCE EXTRAS COVER OPTION IS SELECTED.

2 The immediate necessary treatment required as a result of an accident. To be covered for the Accidental Injury Benefit, you must provide documented proof that you have sought treatment at a hospital emergency department or medical practitioner within 72 hours of the Accident. The Emergency Department attendance is classed by the Australian Department of Health as an outpatient service, not a hospital admission, and therefore it is not payable by the Fund. The Accidental Injury Benefit covers further treatment in hospital as an admitted patient, where you are re-admitted to a hospital within 90 days of the initial visit.

3 Emergency ambulance transport.  Excludes residents of QLD and TAS who have ambulance provided by their State Ambulance Schemes.

4 The age-based discount is applicable to policyholders and their spouse aged 18-29 (inclusive) on eligible Hospital products only.  It is not applicable to adult or student dependants on a Family policy.  For more information, please see the Policy Booklet.

TAL HEALTH INSURANCE IS ISSUED BY NIB HEALTH FUNDS LIMITED ABN 83 000 124 381 (NIB), A REGISTERED PRIVATE HEALTH INSURER, AND IS ARRANGED BY TAL SERVICES LIMITED ABN 60 076 105 130 (TAL SERVICES) GPO BOX 5380, SYDNEY, NSW, 2001 AUSTRALIA, AS AN AUTHORISED AGENT OF NIB FOR WHICH TAL SERVICES RECEIVES COMMISSION.