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 have lower lapse rates on average 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:

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.
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

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?

If my client’s GP recommends a test that isn’t on the list, will it be accepted?

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

What happens if my client makes a claim while receiving the TAL Health Sense Plus discount?

The TAL Health Sense Plus discount will be discontinued once your client’s claim is admitted by us. They won’t be eligible for TAL Health Sense Plus in the future.

What happens if my client needs to make a claim as a result of their screening test?

You client should get in touch with our claims team on 1800 101 016 and we’ll let them know how to make a claim. Read more about our approach to claims.

My client made a mistake on the online form – what should they do?

Once the form has been submitted, your client won’t be able to make any changes, but they can contact us with the details if they’ve made a mistake.

What happens if my client misses the due date in their offer email?

The TAL Health Sense Plus discount is only available if the required evidence is submitted to TAL by the due date provided in their renewal email.

What if my client hasn’t received a TAL Health Sense Plus offer?

TAL Health Sense Plus is offered to eligible clients who’ve provided us with their email address and have not opted out of receiving the offer. Your client can get in touch with us to update their contact details and receive those emails from us (see the full Terms and Conditions for other eligibility conditions).

Do my clients have to participate in TAL Health Sense Plus? Can you turn it off?

All new applications from 8 August 2025 automatically receive the 5% welcome discount, however participating in TAL Health Sense Plus is entirely optional. It won’t impact your client’s existing policy if they choose not to participate, and they can choose to opt-out of TAL Health Sense Plus emails.

What happens to my trail commission if the TAL Health Sense Plus discount is applied?

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

¹Lapse rate based on data between May 2023- May 2025 for clients holding Accelerated Protection, aged below 50.

Important information: TAL Health Sense Plus is subject to the Terms and Conditions, offer and eligibility criteria.

The TAL Health Sense Plus discount applies to the premiums for Accelerated Protection Life Insurance, TPD and Critical Illness Insurance and (where applicable) Income Protection plans only. For eligible existing customers with a policy issued under a PDS and Policy Document dated on or after 24 September 2021 and who receive the TAL Health Sense Plus offer on or after 1 October 2025 are eligible to receive the discount on Income Protection (in addition to Life Insurance, TPD Insurance and Critical Illness Insurance).

Existing customers with a policy issued under a PDS and Policy Document before 24 September 2021 are eligible for a discount on Life Insurance, TPD and Critical Illness Insurance only.

The discount does not apply to the policy fee, government duties or 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 October 2025. This information may be subject to change.