Health Sense is TAL’s newest life insurance rewards program, helping customers get the most out of their policy by simply leading a healthier lifestyle. In order to qualify, you need to have a Body Mass Index(BMI) between 19 and 28.

Currently, the Tal Health Sense offer is only available to customers taking out a policy through their Accelerated Protection Plan. If you decide to take out such a policy you could receive up to 15% discount on your TAL Life Insurance and/or Total and Permanent Disability (TPD) premiums.

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The more products you purchase, the more life insurance discounts you’ll receive.


The Different BMI Levels

Body Mass Index (BMI) is a simple, non-invasive way most insurers measure your body fat. BMI = Body weight in kg divided by Height in meters (squared) = kg/m²

Up to 18.5Underweight
18.5 – 24.9Normal weight
25 – 29.9Overweight
30 – 39.9Obese
35 – 39.9Obese
40 and overMorbidly obese

Your BMI increases when the amount of energy you take in, through food and drink, exceeds the amount of energy you use during your daily life activities. Your unused energy is stored as fat, most frequently visceral fat. This type of fat is stored within your abdomen, increasing pressure on surrounding organs, like your heart, liver and stomach.

A high BMI predicts future morbidity and death. Therefore, in the insurance industry, BMI is generally an appropriate way to screen for obesity and associated health risks. If your body mass index is over the normal range, you increase your risk of a number of debilitating and chronic medical conditions, including:

  • High blood pressure
  • Type 2 diabetes
  • Coronary heart disease
  • Stroke
  • Respiratory problems
  • Sleep Apnoea
  • Joint problems
  • Cancer
  • Arthritis
  • Back Pain and Skin problems

The life expectancy of an obese adult is 2 to 4 years less than those adults with a healthy weight. According to the Australian Institute of Health and Welfare, between 2014 and 2015 63.4% of Australian adults had a BMI of 30 and above. Meaning, almost two in every three Australian adults are classified as obese.

Why TAL Health Sense?

TAL Health Sense encourages you to maintain a healthy BMI, by using discounted premiums as an incentive. Available for the life of your policy:

  • Your discount applies regardless of underwriting special terms
  • No membership fees required
  • No additional application to fill in
  • No ongoing reassessment to retain your discount

The Health Sense discount is only the beginning of your journey. TAL plans to evolve the program to include additional customer rewards. Be aware of the life insurance discounts you’re able to receive by simply maintaining a healthier lifestyle.

Ask an Expert?


  • Paul |

    My BMI is about 20, and always stays well under 25.
    I’ve have TAL life & critical illness insurance for many years.
    However my adviser tells me there are now much better deals around that offer better cover for less money.
    Can you please upgrade my cover and apply the health sense BMI discount to my existing policies to save me the trouble of shopping around for a better deal?

      Brett Lenertz |

      Hi Paul, thanks for contacting us. With regards to the TAL Health Sense BMI discount, this is only available to new policies and policies that are under 180 days of being in force. This means that it will not apply to any of TAL’s older Legacy Products and only to TAL’s Accelerated Protection portfolio.

      Whilst you have an excellent BMI and from your question indicating you have had your TAL policies for many years, you would likely be ineligible for this to be applied to your current TAL policies, but you can consider cancelling your existing TAL policies and applying for new policies but this would require providing a new ‘personal statement’ again to TAL which means disclosing your medical and financial information to them again in a brand new application. You will have to decide if you wanted to look at an option like this as there may be advantages and disadvantages in doing so.

      However, in regards to other policies that may offer better deals, keep in mind that we compare up to 12 different insurers including TAL so you are welcome to contact us on 1300 135 205 and we can take you through the process of easily comparing policy premiums and their associated features & benefits.

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