TAL Health Sense

The TAL Health Sense BMI discount supports and encourages your long-term good health, by offering you up to 15% off your Accelerated Protection Life, Critical Illness and TPD Insurance premiums if your BMI is between 19.0 and 28.0 (inclusive).

Simply confirm your BMI (by entering your height and weight) when you’re applying for insurance and your discount will be calculated and applied automatically.

Key benefits

• Discounts of up to 15% on Life, Critical Illness and/or TPD insurance premiums.
• Applied to your policy for life.
• No tests, extra application forms or membership fees.

How does it work?

Disclaimer:

The offer of TAL Health Sense is subject to the Terms and Conditions. TAL reserves the right to alter or discontinue the Health Sense offer at any time.

1. A maximum 15% Health Sense discount applies to non-smokers meeting the BMI criteria that hold 4 benefit types (Life; Critical Illness; TPD and Income Protection (IP)) and meeting minimum sum insured amounts for all benefit types. Lower discounts will apply for other benefit combinations and smokers. More information is available on request from TAL.
2. Assumes the policy owner makes no changes to the policy, benefit types or amounts, and that the policy or any benefits have not ended (e.g after payment of a claim or the expiry of a benefit).
3. For customers with loadings, the Health Sense discounts apply to premiums including loadings (except loadings applied on a per-mille basis) and apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only. Where a per-mille loading has been applied, the discount will not apply on additional premium resulting from the per-mille loading (an example of a per mille loading is $5.00 extra premium per $1,000 sum insured). Health Sense discounts only apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only. Please contact TAL for a pre-assessment or if you wish to check the loading basis (for Health Sense and Health Sense Plus eligibility) for any client.

There’s only one you—and you should be rewarded for looking after yourself.

Through Health Sense Plus we want to reward you for proactively looking after your health. Having regular health checks, such as a blood pressure test or skin check, can help detect health issues before they become bigger problems and may help prevent serious conditions including cancer, diabetes and heart disease.

All new applications receive an automatic 5% discount off Life, Total and Permanent Disability and Critical Illness Insurance premiums for two years with TAL Health Sense Plus.

Once you have the TAL Health Sense Plus reward applied to your policy, you can continue to enjoy the 5% discount by undertaking a preventative screening test. You will receive an email reminder every two years to confirm your health check and renew your savings.

Here's how it works

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Resources

Health Sense Plus FAQs

Health Sense Plus terms and conditions

* Health Sense Plus is subject to offer and eligibility criteria. Participation is entirely optional and does not impact the terms of existing policies held with TAL Life, or claims made under those policies. The costs of preventative screening consultations and tests are not reimbursed by TAL Life, and the results are not required to be disclosed to TAL Life for the purposes of confirming eligibility for the Health Sense Plus discount. By participating in Health Sense Plus and verifying eligibility for the program, TAL Life collects data and information which includes participants' personal information and may include sensitive personal information (Data). By participating in Health Sense Plus, participants consent to TAL Life's collection and use of the Data in accordance with the TAL Life Privacy Policy. Any Data shared with TAL Life for the purposes of the Health Sense Plus program is used only for assessing eligibility for the discount, and is regularly deleted once eligibility has been confirmed. The discount applies only to the premium for Life Insurance, Critical Illness Insurance and TPD Insurance (excluding the policy fee and stamp duty). TAL Life reserves the right to alter or discontinue the Health Sense Plus offer at any time. Click here to view the Health Sense Plus Terms and Conditions. Health Sense Plus is not a substitute for professional medical advice or care: always seek advice from a qualified provider in the event of health concerns or questions. Nothing on this page should be construed as medical advice.