MLC On Track Relaunched

The MLC On Track program rewards customers for being proactive with their health by incorporating technology to track their daily number of steps.

Published December 13, 2021

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MLC On Track Closed

Only four years after its introduction to the market, MLC has had to close its health and wellness program, MLC On Track. This is a result of the continued lack of participation in the program by members. The insurer stopped offering this program to new customers in October 2021. However, as of 31 December 2021, the program will be ceased entirely.

Inspired by the growing fitness and wellness movement MLC Insurance has relaunched and enhanced their popular wellness program to help customers lower their life insurance premiums, effective from 9 October 2017.

New MLC Insurance customers will receive a 5% upfront policy discount upon joining but will need to stay active and meet their annual step target to maintain their discount.

This fine-tuned version of On Track collects customers wellness data through their self-bought fitness tracker and a compatible smart device.

What is MLC On Track?

MLC On Track is a wellness program offered by MLC Limited, the insurer, to reward you for leading a healthier, more active life. This program collects your fitness and wellness information via the use of a personal fitness device and then uses this data to calculate your number of steps and whether you’ve achieved your target.

Simply signing up to OnTrack MLC when you apply for an eligible MLC Life Insurance policy entitles you to a 5% discount off your life insurance premiums for the first 12 months of your policy being enforced. After that, you have to achieve a weekly step target to ensure this discount will continue for the following year.

How does the new MLC On Track program work?

This program is only available to new MLC Insurance and MLC insurance (Super) members who joined from 2 October 2017 onwards. Discounts will be applied to the original policy you purchase, as well as all additional MLC insurance policies you might later add, including increases in benefit amounts.

What you’ll need to participate:

Once your policy has been issued you’ll receive an authorisation email from MLC Life Insurance requesting permission to collect your step data. Accept the terms and conditions, create your account and start walking.

Your daily step progress will be uploaded onto the ON Track dashboard within 24 hours and you’ll receive regular reminders and updates on how you’re tracking.

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Achieving your health and fitness targets

You need to reach 37, 500 target steps per week for at least 30 out of the 40 weeks. The 40 weeks starts on the day your policy starts.

  • 7,500 steps a day, or
  • 37, 500 steps per week (5 days a week).

OnTrack MLC version 1

The first version of On Track ceased on the 31st of May 2017. It offered new customers a premium discount of up to 10% but was stopped due to the complex scoring system and because it only allowed for one specific fitness device, the Garmin Vivosmart HR fitness tracker.

This version of On Track endeavoured to gather data on a customer’s step count, average activity level, time asleep and resting heart rate. The data collected was then used to calculate an overall score using and a points system. A score of 900 points had to be achieved within the first 12 months of your policy commencing in order to receive a discount.

The first time you reached 900 points within 160days, you’d be eligible for a 5% premium discount. When you reached your targeted score twice, you became eligible for a further 5% premium discount, giving you a total discount of 10%.

Due to the complex nature of the program, it was ended and refreshed into the enhanced version available from the 9th of October 2017.

Frequently asked questions

  • Is MLC’s wellness program available to existing customers?

    Currently, OnTrack is only available to new policyholders. However, if you purchased an MLC Life Insurance policy between 1 June 2017 and 9 October 2017, you will receive an invitation to join the relaunched version of the program. Policyholders with the old MLC wellness program will also receive this invitation.

    If you purchased an MLC policy before On Track started then you’ll have to take out a new policy to be eligible for the 5% discount. If you’re unsure whether you’ll receive an invite to join the new program then contact us on 1300 135 205 and we’ll assist with your query.
  • How can I earn discounts on my policy?

    Once you purchase a new MLC Life Insurance policy you’ll receive a 5% upfront discount. However, to maintain this discount year-on-year you need to meet your weekly step target of 37, 500 steps.
  • How do I track my progress?

    You can track your progress via the MLC ON Track log on your customer dashboard. You can set your dashboard to report to reflect your daily, weekly or monthly performance.
  • Which fitness device should I buy?

    The fitness trackers that can be used to capture your steps include Garmin and Fitbit wearable fitness trackers and Apple Watches.
  • Who gets to participate in the program if the policyholder and life insured are two different people?

    Only the life insured on the policy is entitled to participate in the program and must comply with the relevant terms and conditions.
  • What happens to my progress if I need to claim?

    When you lodge a claim on one of your MLC policies, your participation in the MLC wellness program will be placed on hold so that your progress won’t be negatively affected. The data suspension will re-start as soon as you’re able to continue participating.

    If you do lodge a claim or need your program to be placed on hold due to a significant personal event, you need to inform MLC as soon as possible.

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