TAL Health Sense Plus

Eligible new customers (with a quote generated on or after 26 May 2023) will automatically receive the discount from day one of their policy for up to two years before the revalidation is required.

We’ll email eligible existing clients directly and let them know how to apply for the discount. You don’t need to do a thing: if they’re eligible, we’ll automatically apply the 5% discount for up to two years before revalidation is required. 

All new applications from 26 May 2023 will automatically receive the 5% discount, however participating in Health Sense Plus is entirely optional and won’t impact their existing policy if they choose not to participate in the future. Your clients can opt-out from receiving further notifications in relation to TAL Health Sense Plus but we may extend this offer to them again in the future.

After the initial automatic discount, eligible existing customers must submit the required evidence to us ahead of their next policy anniversary by the due date stated in the email. 

When eligible existing clients submit their application for TAL Health Sense Plus, we will let them know whether they’re successful or not. 

For eligible existing customers, the discount will be applied from their next policy anniversary and lasts for up to two years before revalidation is required.

For eligible new customers (with a quote generated on or after 26 May 2023) the discount will be automatically applied from day one of their policy for up to two years before revalidation is required.

Once they’ve submitted their application, they will not be able to make any changes. If they’ve made a mistake, please contact us with the details.

The TAL Health Sense Plus is offered  by email to customers who have provided us with their email address. They can contact us to update their email address to be able to receive offers from us (see the full Terms and Conditions for other eligibility conditions). 

No, we cannot turn off the TAL Health Sense Plus offer. The TAL Health Sense Plus offer will be made to eligible customers.

The link provided in the email will expire after the due date. The TAL Health Sense Plus discount is only available if the required evidence is submitted to TAL by the due date through the link provided in the email.

Preventative screening tests can help with the prevention of illness, the early detection of specific disease, and the promotion and maintenance of health. 

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.

A GP can give appropriate advice on how to better manage health with preventative screening tests.

Eligible preventative tests are listed in the introductory email we’ll send your client. These tests align to the Royal College of General Practitioners’ Red Book. Your client's GP will determine which preventative screening test is most appropriate.

Yes, as long as the purpose of the test is preventative screening.

TAL will not fund the cost of any preventative health screening test. Many preventative tests are covered by Medicare, but some will incur a fee. Your clients should speak to their GP to make sure they know what’s involved.

No, that’s between them and their GP. The results of any test they take for TAL Health Sense Plus won’t impact their existing policy in any way.

A person’s height and weight is required to measure the Body Mass Index (BMI). BMI is a good indicator of general health and is often linked to the presence or development of conditions such as heart disease and diabetes.

BMI is a measure widely used by the life insurance industry and is generally considered a good indicator of health. Unfortunately, if your client’s BMI is outside the required range, they are not eligible for the TAL Health Sense Plus discount.

The automatic discount is only applied to quotes raised on or after 26 May 2023 once. After the initial 2-year period, your clients will need to apply for any future discounts.

The TAL Health Sense Plus discount will be discontinued once their claim is admitted by us and they will no longer be eligible for TAL Health Sense Plus in the future.

If that happens, they can contact our claims team on 1800 101 016  and we’ll provide them with instructions on how to make a claim. Information on claiming with TAL can also be found here.

No. TAL Health Sense Plus is independent of the TAL Health Sense discount. Any changes to TAL Health Sense Plus will not affect a TAL Health Sense discount that is already in place.

Your trail commission will reduce proportionally as a result of the TAL Health Sense Plus discount being applied.