TAL Health Sense

The rewards of taking care of your health

At TAL, health is at the heart of what we do. We’re always looking for new ways to empower you to protect your physical, mental and financial wellbeing. Because your health and well-being are as important to us as they are to you, we’ve developed the TAL Health Sense program – our prevention program to enhance the health and wellbeing of Australians.

The TAL Health Sense program currently involves two kinds of prevention activities:

  • TAL Health Sense - focuses on primary prevention, for example, having a healthy BMI can prevent conditions such as diabetes mellitus.
  • TAL Health Sense Plus - focuses on secondary prevention, which is concerned with detecting a condition early to improve health outcomes. This typically occurs through preventative screening programs, such as regular blood glucose monitoring to identify diabetes mellitus at an early stage.

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?

Health Sense Graphic_1

TAL Health Sense Plus

Did you know more than 1 in 2 cancers could be avoided with a combination of a healthy lifestyle and regular screening?1

Through TAL Health Sense Plus, we want to help you learn about the importance and rewards of preventative screening tests, which can detect and even prevent many serious conditions, including cancer, diabetes and heart disease.

The TAL Health Sense Plus discount  rewards your proactive health care and a healthy Body Mass Index (BMI) with a further 5% premium discount on your Accelerated Protection Life, Critical Illness and TPD Insurance, for up to two years at a time.

Simply respond to our invitation to confirm your BMI and complete a preventative screening test every two years, and the extra 5% discount can continue to be applied whilst you remain eligible.

New customers

All new applications on or after 26 May 2023 will receive an automatic 5% discount off your Life, Total and Permanent Disability and Critical Illness Insurance premiums for 2 years with TAL Health Sense Plus, which if eligible, you can apply to renew in the future by maintaining a healthy BMI and having a preventative screening test every 2 years.  Just send us evidence you took the test, such as a receipt.  Do not send us your test result.

Existing customers

Once you have the TAL Health Sense Plus discount applied to your policy once, we will email you a reminder every two years to confirm your BMI and complete your preventative screening test, for as long as Health Sense Plus continues to be offered. Simply follow the instructions we provide to you, and if you remain eligible the discount will apply for another two years. 

If you have not previously had the TAL Health Sense or the TAL Health Sense Plus discounts applied to your Accelerated Protection Life, Critical Illness or TPD Insurance policy with us, we may send you an offer to participate in the program at the time of your policy anniversary.

How does it work?

Health Sense Graphic_2

If you would like to find out if you’re eligible or how you can participate, call us on 1300 209 088 Mon – Fri, 8am – 7pm (AEST). 

Have a question? See our FAQ's.  You should also consider the TAL 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, or claims made under those policies. The costs of preventative screening consultations and tests are not reimbursed by TAL, and the results are not required to be disclosed to TAL 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 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's collection and use of the Data in accordance with the TAL Privacy Policy. Any Data shared with TAL 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 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 in this document should be construed as medical advice.