TAL Health Sense and Health Sense Plus
TAL customers who meet specific health criteria are typically eligible for a TAL Health Sense discount. The purpose of the discount is to act as an incentive to encourage customers to live healthier lives and reap financial rewards. Customers whose BMI falls between 19 and 28 are offered a discount on their premiums as part of the rewards program.
Published June 12, 2020
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BMI between 19 and 28
You can receive a discount of up to 15% depending on your BMI and the amount of policies you select.
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Encourages customers to be healthy
The program acts as an incentive to encourage clients to be healthy and active.
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TAL Health Sense Plus
In June 2019, TAL introduced a new addition to their Health Sense Program.
Benefits of TAL Health Sense
TAL Health Sense is designed to encourage participants to improve their health and wellbeing. The TAL Health Sense discount typically rewards eligible new and existing customers with up to a 15% discount on their Critical Illness, Life Insurance, or TPD insurance policies with TAL as an incentive to encourage them to be healthier and more active. This then, in turn, can help reduce their risk of developing preventable diseases such as Type 2 Diabetes, Coronary Heart Disease etc.
TAL Health Sense Eligibility
Your eligibility for TAL Health Sense is based on your BMI.
- The discount applicable will range from between 5-15% off your premiums or up to 12.5% for smokers. This depends on your BMI and how many policies you’ve selected.
- The Health Sense discount is only eligible for customers who have a BMI (Body Mass Index) of between 19.0 and 28.0
- Existing customers can apply, however a new application is generally required.
- The discount is only applicable when you purchase an eligible TAL Accelerated Protection Life, Critical Illness or TPD Insurance policy or bundle which can be purchased through an adviser. The discounts applicable and the minimum amount you must be insured for in order to receive the discount are as follows:
| 1 or 2 cover types – 7.5% discount * | 3 Cover Types – 12.5% discount * | 4 Cover Types – 15% discount * |
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* The discount is reduced by 2.5% for smokers
| Cover Type | Minimum Sum Insured |
| Life Insurance | $100 000 |
| TPD Insurance | $100 000 |
| Critical Illness Insurance | $50 000 |
| Income Protection | $2000 per month |
Benefits of TAL Health Sense Plus
In June 2019, TAL launched the Health Sense Plus program. TAL Health Sense Plus encourages customers to get preventative screening tests that could typically be used to detect or prevent certain diseases linked to weight gain and level of physical activity. By getting these screening tests, customers generally have a higher chance of detecting certain preventative health conditions. TAL Health Sense Plus generally offers existing customers a 5% lump sum discount on their premium for an eligible Accelerated Protection Life, Critical Illness, and TPD insurance policy for two years to customers who get the requested screening tests.
TAL Health Sense Plus Eligibility
If you are eligible, TAL will send you an offer for the Health Sense Plus discount after you have had your 1st policy anniversary and you will have to revalidate this offer every two years. To be eligible for the TAL Health Sense Plus discount, you typically have to get the recommended preventative screening test from your GP.
- Just like TAL Health Sense, to be eligible for the Health Sense Plus discount, your BMI (Body Mass Index) must be between 19.0 and 28.0.
- You must not have made any claims on any of your TAL policies when applying for Health Sense Plus.
- You must have an eligible Accelerated Protection Life, Critical Illness or TPD Insurance Plan.
- You must be less than 62 at the time you apply for the Health Sense Plus discount.
- You have to have a valid email address and phone number for TAL to send you the offer.
- You must have had at least one or more of the recommended preventative screening tests in the nine months before receiving the offer or ahead of the offer expiration.
- Once you have the results of your screening test, you must provide TAL with proof of the test you took. This can include a copy of the doctor’s invoice, receipt, referral letter, medical certificate or the GP’s note that states which test you took. You do not have to provide the actual results of the test.
Total discounts available through health programs
Between TAL Health Sense and Health Sense Plus, customers can typically get a total of up to 20% off their lump sum payments if they meet the eligibility criteria. TAL Health Sense typically offers between a 5-15% discount, and TAL Health Sense Plus generally offers an additional 5% discount on lump-sum premium payments if eligible.
Pros and Cons of TAL Health Sense and Health Sense Plus
Pros
- Customers are encouraged to live a healthier and more active lifestyle.
- TAL encourages its customers to undergo preventative screening tests that can be used to detect, prevent and manage certain health conditions linked to inactivity and poor lifestyle choices.
- Customers are financially rewarded in the form of a discount off their insurance premiums.
- By taking these tests, customers are encouraged to take an active role in maintaining their health and having relevant conversations with their GP.
- Customers only have to provide proof of the screening test. They are under no obligation to share the results with TAL.
Cons
- Maintaining a certain BMI is difficult for some people as they may have health conditions that can cause this to increase or fluctuate.
- As it is determined by your BMI, It does not take into account your activity levels or diet.
- For TAL Health Sense Plus, customers need to revalidate and undergo preventative screening tests every two years.
- Health Sense Plus is not eligible for those over the age of 62 at the time they are offered the discount.
Frequently asked questions
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What is TAL Health Sense?
TAL Health Sense is a prevention program that encourages TAL customers to be healthy. Customers who follow the program can typically get rewarded with a discount on their premiums. You can request a quote from us by filling out your details below. -
How does the TAL Health Sense program work?
The TAL Health Sense program works by giving customers a discount on their premiums if they meet specific eligibility criteria. Customers typically get between a 5-15% discount on their premiums if they have a BMI of between 19.0 and 28.0 and if they go for preventative screening tests for the Health Sense Plus program. -
What does it cost to belong to the Health Sense Program?
There are generally no additional costs involved in order to apply for the TAL Health Sense Program. The only costs that you may incur are the costs of the screening tests required to apply for the TAL Health Sense Plus Program. -
How to apply for TAL Health Sense
To apply for the Health Sense program, you must take out an eligible Accelerated Protection policy from a financial adviser. Alternatively, you can fill out your details below to get some quotes for a suitable TAL insurance policy. TAL generally email clients directly to inform them if they are eligible for the Health Sense Plus program.
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My BMI is about 20, and always stays well under 25.
I’ve have TAL life & critical illness insurance for many years.
However my adviser tells me there are now much better deals around that offer better cover for less money.
Can you please upgrade my cover and apply the health sense BMI discount to my existing policies to save me the trouble of shopping around for a better deal?
Hi Paul, thanks for contacting us. With regards to the TAL Health Sense BMI discount, this is only available to new policies and policies that are under 180 days of being in force. This means that it will not apply to any of TAL’s older Legacy Products and only to TAL’s Accelerated Protection portfolio.
Whilst you have an excellent BMI and from your question indicating you have had your TAL policies for many years, you would likely be ineligible for this to be applied to your current TAL policies, but you can consider cancelling your existing TAL policies and applying for new policies but this would require providing a new ‘personal statement’ again to TAL which means disclosing your medical and financial information to them again in a brand new application. You will have to decide if you wanted to look at an option like this as there may be advantages and disadvantages in doing so.
However, in regards to other policies that may offer better deals, keep in mind that we compare up to 12 different insurers including TAL so you are welcome to contact us on 1300 135 205 and we can take you through the process of easily comparing policy premiums and their associated features & benefits.
Hi, for how long will TAL life insurance stay and when does it expire?
Hi Fayez
Generally, a TAL life insurance policy held outside of superannuation, expires before the life insured’s 100th birthday.