Critical Illness Insurance
Have the comfort of knowing you can access medical treatment, pay for rehabilitation, and even cut back at work to concentrate on your recovery, if you become critically ill or injured. Choose your cover and get a quote on TAL’s website.
What is Critical Illness Insurance?
Critical Illness Insurance, also known as Trauma Insurance, could give you financial peace of mind by providing a lump sum payout if you become seriously ill or injured. It can help support you financially if you require extensive medical treatment to concentrate on your recovery.
Peace of mind through our life insurance partner TAL
Westpac has partnered with TAL, one of Australia’s largest life insurers. Trusted by millions of Aussies, TAL has been awarded year after year for helping protect what matters most.
TAL is the winner of Money magazine's Life Insurer of the Year — Direct (2025) and Money magazine's Trauma Insurance (2025).
Why TAL Critical Illness Insurance?
Insurance features & benefits
TAL Accelerated Protection has a range of features and benefits you can choose from.
Built by you, for you
Tailor your cover to suit your individual needs, an insurance plan designed by the person who knows your life best: you.
24/7 grief counselling
24/7 access to dedicated grief support.
$4.7 billion in claims paid in FY 2024/2025*
TAL's claims and health team help with more than just payments: get support from them throughout your recovery.
Key features and benefits
Critical illness benefit
Built-in paralysis support benefit
Child’s Critical Illness benefit
Inflation protection benefit
Advancement benefit (Premier policy only)
An advanced payment of a portion of the Critical Illness Insurance benefit amount for specified injuries and illnesses, including some early stage cancers.
The type of Critical Illness Insurance and any applicable options will be stated in your policy schedule.
All of the above features may have restrictions or conditions. You should read the PDS on TAL's website to understand how it may apply to you.
To find out more, visit the TAL website. The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
TAL rewards you for healthy living
Get up to
Getting a quote is simple
1. Explore cover options
Get started with an online life insurance quote with our partner TAL. To find out more, visit the TAL website. The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
2. Get a quote in minutes
Enter your personal details: age, date of birth, gender, occupation, income and smoking status. Then, submit your request to the insurer.
3. Apply and secure your cover
Depending on the information provided in the quote, you'll either continue the application via a call back from a TAL consultant or proceed online.
Frequently asked questions
TAL Critical Illness Insurance is designed to provide a lump-sum payment if you are diagnosed with a specified serious event. This payment could be used to cover medical expenses, debts, or other financial obligations so you can focus on your recovery.
Your health plays a significant role in determining your critical illness premiums. If you are in good health, you may qualify for discounts on your premium through TAL Health Sense. If you have pre-existing medical conditions or engage in high-risk activities, your premiums may be higher, or you may not be able to get cover. This will be assessed through the underwriting process.
To find out more about these – including more specific cover options – visit the TAL website. The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
The cost of Critical Illness Insurance depends on factors including, but not limited to, your age, lifestyle, coverage amount, smoking status and the specific policy terms.
There are generally qualifying periods for some specified serious events covered under critical illness. This means that a claim for some Critical Illness events may not be paid if the condition or the symptom of the condition occurred during the first three months from when the policy started, when cover was increased, or when cover was reinstated. In some cases, a longer qualifying period applies.
Critical Illness Insurance may have additional restrictions or conditions, so please read the PDS or speak to a financial adviser to understand how they may apply to you.
When making a claim, TAL will endeavour to make the claims process as easy as possible for you. Just call TAL on 1800 101 016 and they can explain the claim requirements.
The benefit amount depends on the coverage amount specified in your policy, and the specified medical event you are claiming on. It's important to review your policy to understand the exact amount you'll receive in the event of a valid claim.
To find out more, visit the TAL website. The information you provide on the TAL website will be subject to TAL’s Privacy Statement and Privacy Policy, available on their website.
Premiums paid for Critical Illness Insurance are generally not tax-deductible. However, it is essential to consult with a tax adviser or the Australian Taxation Office (ATO) for specific tax-related guidance.
What other insurance can I include in my Life Insurance plan?
TAL Accelerated Protection has a range of insurances you can include to build cover that’s just right for you.
Life insurance help and guides
Things you should know
*Claims statistics based on total claims paid under TAL Life Limited and TAL Life Insurance Services Limited insurance products (including funeral insurance) between 1 April 2024 and 31 March 2025.
^A maximum 15% Health Sense discount applies to lump sum premiums for non-smokers meeting the BMI criteria that hold 4 benefit types (Life; Critical Illness; TPD and Income Protection [IP]) and meeting minimum sum insured amounts for all benefit types. Lower discounts will apply for other benefit combinations and smokers. More information is available on request from TAL.
Any financial product advice provided on this page is general in nature and does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). The PDS and TMD can be obtained from TAL's website or by calling 1300 345 620.
Life Insurance is issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life). TAL Life is part of the TAL Dai-ichi Life Australia Pty Ltd ABN 97 150 070 483 group of companies (TAL). Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) refers customers to TAL, but does not guarantee the insurance.
By selecting 'Explore cover options' you will enter a third-party site hosted by TAL. Any personal information you provide to TAL will be collected, used and disclosed in accordance with TAL's Privacy Statement and Privacy Policy available on their website.
If you purchase Life Insurance with TAL the Bank will receive a commission of 10% of the premiums (exclusive of GST) for the period you continue to hold a policy.
If you would like help deciding whether life insurance is right for you we recommend speaking to a financial adviser.
Westpac's Privacy Statement is available at westpac.com.au/privacy/privacy-statement or by calling 132 032 8am - 8pm Sydney time, 7 days. It covers:
- How you can access the personal information Westpac holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by Westpac and how Westpac will deal with your complaint; and
- How Westpac collect, hold, use and disclose your personal information in more detail.