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 TAL Health Sense – our prevention program to enhance the health and wellbeing of Australians.

TAL Health Sense currently involves two kinds of prevention activities:
  • Primary prevention, focusing on preventing a condition before it occurs, For example, having a healthy BMI can prevent conditions such as diabetes mellitus. Our TAL Health Sense program is an example of primary prevention.
  • 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. Our TAL Health Sense Plus program is an example of Secondary prevention.

TAL Health Sense

We created the TAL Health Sense BMI discount to support and encourage your long-term good health, by offering up to 15% off your Accelerated Protection Life, Critical Illness and/or TPD Insurance premiums if your BMI is between 19.0 and 28.0.

It’s quick and simple to access with your financial adviser: just confirm your BMI when you’re applying for insurance with TAL and your discount will be calculated and applied automatically.

 Key features:

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

Already have an Accelerated Protection policy with us?

Call us today to find out whether you have a TAL Health Sense BMI discount applied already.

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.

Many preventative screening tests can be performed by your GP in just a few minutes. With TAL Health Sense Plus, we reward your proactive health care and a healthy Body Mass Index (BMI) with a 5% premium discount on Accelerated Protection Life, Critical Illness and TPD Insurance premiums for up to two years before revalidation is required. 

How TAL Health Sense Plus works

For eligible customers who hold an accelerated protection policy, on receiving an offer to participate, complete these easy steps to receive 5% off your Life, Critical Illness and/or TPD Insurance premiums for up to two years at a time from your next policy anniversary:

TAL Health Check Green Icon

Have a preventative screening test with your GP (you may have already had one recently)

TAL Upload icon

To confirm you took a preventative test, upload a copy of the GP’s invoice, referral letter or other confirmation of a preventative test from your GP.  We don't need the test results, this is between you and your GP

TAL BMI Green Icon

Enter your height and weight to confirm your BMI is between 19.0 and 28.0 (inclusive)

For eligible customers with with a new with a quote generated on or after 11 December 2021, who have a BMI of 19.0 and 28.0 (inclusive) the 5% TAL Health Sense Plus discount on your premiums will be automatically applied from day one of your policy.

You can retain this discount by reconfirming your BMI is within the TAL Health Sense range (19.0 – 28.0 (inclusive)) and taking a preventative screening test every two years. 

Have a question? See our FAQ's.  You should also consider the TAL Health Sense Plus Terms and Conditions here.


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.