TAL launches Health Sense Plus program

At TAL, we want to help Australians live their best lives through good health which is why we created Health Sense back in 2015, providing a simple way to reward your clients for taking care of their health.

Last month, we took our passion for health even further with the launch of our new Health Sense Plus program. 

An evolution of Health Sense, Health Sense Plus focuses on preventative screening tests, highlighting the role they play in the early detection of serious conditions and working with you to help your clients understand how they can protect their health.

In Australia, around 32% of disease is linked to factors we can change*, like our weight and level of physical activity. Many of the conditions these factors are associated with can be detected through preventative screening tests. With Health Sense Plus, we’re highlighting how a simple test can make an incredible difference.

How Health Sense Plus works
Health Sense Plus rewards eligible customers who have a healthy Body Mass Index (BMI) and undertake a preventative health screen test, with a 5% discount on Accelerated Protection Life, Critical Illness and TPD Insurance premiums for two years. Here’s how your clients can get their discount:

Three simple steps to a 5% discount

Health Sense Plus rewards preventative screening tests and a healthy Body Mass Index (BMI) with a 5% lump sum premium discount for two years. Here’s how your clients can get their discount:

Have a preventative screening test with their GP

A number of preventative tests are eligible, your client's GP will select what's most appropriate for them.

Upload evidence of the test on the Health Sense Plus website

We’ll never ask for these test results: that’s between your client and their GP. We just ask for evidence that your client had a test, like a copy of their GP’s invoice or referral letter.

 

Confirm their BMI is between 19.0 and 28.0 (inclusive)

BMI is a strong indicator of a person’s general state of health and a healthy BMI can lower the risk of diabetes, heart disease, stroke and cancer.

 

*Your client’s GP will determine the most appropriate screening test based on your clients age, gender and other specific risk factors

We will provide an offer to eligible clients ahead of their policy anniversary and if they complete these three steps, we'll automatically apply a 5% discount to their lump sum premiums from the next policy anniversary on top of any existing discount, effective for two years.

The program is a starting point for you to talk with your existing and new clients about the benefits of proactively managing their health, which could one day save their life.

This is part of our commitment to partnering with you on preventative health. It opens up an ongoing conversation with new and existing clients about their health and wellbeing. This can potentially save a life and lead to happier and longer, stronger relationships.

To find out more about Health Sense Plus, please visit here  or contact your TAL Sales Development Manager.

Important information

Eligibility criteria, terms and conditions apply: click here to view the Health Sense Plus Terms and Conditions.

Participating in Health Sense Plus is entirely optional and does not impact your client's existing Accelerated Protection policy terms or claims made under their existing policy with TAL. The discount applies only to Life Insurance, Critical Illness Insurance and TPD Insurance in our Accelerated Protection product. 

Participation in any preventative screening test will not be reimbursed by TAL. The results of your client's test are between them and their doctor. TAL does not require the test results for the purposes of Health Sense Plus.

By participating in Health Sense Plus, TAL gains access to data and information generated from your client's participation in the program (Data). They must acknowledge and agree that this Data may contain Personal Information and Sensitive Information (as those terms are defined in the Privacy Act 1988). By participating in Health Sense Plus, they must consent to the collection and use by TAL of the Data obtained in accordance with the TAL Privacy Policy, located on our website. Any Data they share with TAL in conjunction with this offer will be used only for the purpose of assessing the policyholder's eligibility for the Health Sense Plus discount and not for any other purpose.

Any advice is general in nature only and does not take into account any person’s individual needs, objectives, financial situation or health status. Prior to making any decision about any of the products, advisers and their clients should obtain and read the Accelerated Protection or Accelerated Protection for Investment Platforms Product Disclosure Statement and consider the appropriateness of the advice and the products in light of each client’s needs, objectives and financial situation. 

Nothing in this document should be construed as medical advice. Any concerns or questions about health should be directed to a qualified medical provider. 

This document and the life insurance policies are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848. 

* Australian Government Preventative Health Taskforce. Australia: The healthiest country by 2020 – National preventative health strategy. Canberra: Commonwealth of Australia, 2009 2. Begg S, Vos T BB, Stevenson C, Stanley L, Lopez AD. The burden of disease and injury in Australia 2003. Canberra: AIHW, 2007.