TAL Health Sense Plus

More rewarding. For more of your clients.

Offer your clients 5% off their premiums to make the cover they need more affordable, at day one and beyond. That’s TAL Health Sense Plus: an easy way to support your clients on their health journey.

Quick and simple preventative screening tests play a vital role in detecting and even preventing serious diseases like cancer, diabetes and heart disease.

By raising awareness of their value and how easy they are, we‘re helping more Australians care for their health.

That’s where TAL Health Sense Plus comes in. We introduce new clients to the program with a 5% welcome discount and then, two years later, encourage them to have a preventative test to keep that discount in place.

Benefits of TAL Health Sense Plus

Health Sense Plus is ...

Better for more of your clients

  • A simple, preventative test every two years is all it takes for your clients to maintain their 5% discount; making their cover more affordable year after year.
  • The discount is available to all your eligible Accelerated Protection clients, regardless of their cover type and any loadings or exclusions.

And better for client retention

  • Our data shows that clients with TAL Health Sense Plus retain their policies for longer than those without1.
  • TAC Reporting makes it easy for you to stay up to date with your TAL Health Sense Plus clients: see who’s received an offer and reach out to anyone who might need a hand.

All your clients need to do to renew their discount:

  1. Have a preventative screening test: various tests are eligible including blood pressure tests and skin checks. Your client can discuss with their GP to decide what's most appropriate.
  2. Confirm their test: a quick online form that only asks what test they had, when and where. We'll never request test results and they don't need to upload any documentation.

That's it: we'll check your client is eligible and, if so, apply their discount for another two years.

We'll also let your clients know when they're approaching the two-year mark so they can renew their discount by having another test.

download the fact sheet  

 

Our top FAQs about TAL Health Sense Plus

test icon

What are preventative tests for?

Preventative screening tests can help prevent illness or provide early detection of specific diseases.

For example, early detection of cancers can significantly improve our ability to recover and understanding our blood pressure or cholesterol levels can help us manage the risk of heart disease and stroke.

What test should client take?

We’ll send your client a personalised list of tests, aligned to the Royal College of General Practitioners’ Red Book, for people of their age and gender. Your client can discuss those with their GP and decide what’s most appropriate for them.

Some examples might include a blood pressure test, a glucose test to diagnose diabetes or a skin check to identify moles or discolouration that may be cancerous.

 

Who pays for the tests?

Many preventative screening tests are covered by Medicare, but some will need to be paid for by your client.

Your client should discuss the tests they’re considering with their GP so they know what’s involved and any fees they may need to pay.

 

Other questions?

 

Based on average policy duration of Health Sense Plus customers v non-Health Sense Plus customers 2021-present.

The offer of TAL Health Sense Plus is subject to the Terms and Conditions.

Important information: TAL Health Sense Plus is subject to offer and eligibility criteria. For new quotes generated on or after 8 August 2025, the TAL Health Sense Plus discount will apply to eligible Life Insurance, TPD Insurance, Critical Illness Injury and (where applicable) Income Protection (excluding the policy fee and any government duties). This discount does not apply to any per mille loadings. For the applicable Plan the discount will apply for two years and will reduce to nil for the third year and thereafter, unless you qualify for the Health Sense Plus discount in future.

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. TAL reserves the right to alter or discontinue the Health Sense Plus offer at any time. 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.

This page was prepared by TAL Life Limited and is current at July 2025. This information may be subject to change.