TAL Health Sense Plus
An automatic 5% discount on lump sum premiums for up to 2 years for New Customers
Through our TAL Health Sense Plus program, we’re helping your clients learn about the value of preventative screening tests, which can detect and even prevent many serious conditions, including cancer, diabetes and heart disease.
TAL Health Sense Plus forms part of TAL’s prevention program, developed to enhance the health and wellbeing of Australians. In fact, over 50% of all cancers could be avoided with a combination of a healthy lifestyle and regular screening1. To find out more about prevention, click here to listen to a recorded webinar about the value of preventative health.
TAL Health Sense Plus highlights the role these quick, simple tests play in detecting serious disease, and rewards your clients with a 5% Life, Critical Illness and TPD premium discount for proactively protecting their health.
How TAL Health Sense Plus works
All new applications will receive an automatic 5% discount for Life, Total and Permanent Disability and Critical Illness Insurance premiums for 2 years with TAL Health Sense Plus, which if eligible, your clients can apply to renew in the future by maintaining a healthy BMI and having a preventative screening test every 2 years.
How your clients can apply to renew their TAL Health Sense Plus discount:
Have a preventative screening test with their GP
A number of preventative tests
Upload evidence of the test on the TAL Health Sense Plus website
Confirm their BMI is between 19.0 and 28.0 (inclusive)
Your clients can retain this discount by reconfirming their BMI is within the TAL Health Sense range (19.0 – 28.0 (inclusive)) and taking a preventative screening test every two years.
See the full Terms and Conditions for other eligibility conditions.
What test will my client need to take?We’ll provide your client with a personalised list of preventative screening tests including those aligned to The Royal College of General Practitioners Red Book for people of their age and gender. We only require your client to take one preventative screening test, their GP will determine what is most appropriate.
TAL Health Sense Plus Eligibility and FAQs
How do my clients apply for 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.
Do my clients need to participate in TAL Health Sense Plus
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.
When does my client have to provide the required information to be eligible for the discount 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.
How do they know that the discount has been applied?
When eligible existing clients submit their application for TAL Health Sense Plus, we will let them know whether they’re successful or not.
When is the discount applied and how long does it last?
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.
What if they make a mistake when they lodge the application for TAL Health Sense Plus?
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.
What if my client hasn’t received a TAL Health Sense Plus offer?
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).
Can you turn off the TAL Health Sense Plus offer for my clients?
No, we cannot turn off the TAL Health Sense Plus offer. The TAL Health Sense Plus offer will be made to eligible customers.
What if they miss the due date stated in the offer email
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 test FAQs
What are preventative screening tests for?
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.
Which preventative screening test must my client take?
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.
If the GP recommends another test which is not on the list, will this be acceptable?
Yes, as long as the purpose of the test is preventative screening.
How much will the preventative health screening test cost?
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.
Do my clients need to provide their test results?
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.
Why do you need their height/weight and/or BMI?
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.
What if their BMI is not within the required range, but they’re fit and healthy?
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.
What happens if after they receive the discount they make a claim?
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.
What happens if, as a result of their preventative screening test, my client needs to make a claim?
If that happens, they can contact our claims team on
1800 101 016
TAL Health Sense BMI discount FAQs
Will TAL Health Sense Plus affect the TAL Health Sense BMI discount?
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.
Trail commission FAQs
1 CANCERAUSTRALIA.GOV.AU (2018)
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. Full terms and conditions are available at www.tal.com.au. The TAL Health Sense and TAL Health Sense Plus discounts apply to the premiums for Accelerated Protection Life Insurance, Critical Illness Insurance and TPD Insurance Plans only. Policy fees and stamp duties are not discounted. Preventative screening tests are at the participant’s expense and are not reimbursed by TAL. TAL Health Sense Plus is not a substitute for professional medical advice or care. TAL does not guarantee to offer TAL Health Sense or TAL Health Sense Plus in perpetuity, and reserves the right to withdraw, alter or discontinue the offer at any time.
This Page was prepared by TAL Life Limited and is current at MAY 2023. This information may be subject to change.