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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 and TAL logo

TAL is our life insurance partner, one of Australia’s largest life insurers. TAL is trusted by millions of Aussies and has 150 years’ of experience protecting Australians and their families.

Key features and benefits

  • Critical illness benefit

    You can get a quote online for cover of up to $500,000. For cover up to $2 million call TAL on 1300 345 620.

  • Built-in paralysis support benefit

    Doubles your cover amount to a maximum of $2 million, offering support if you’re faced with the profound impact of permanent paralysis, as defined by TAL.

  • Child’s Critical Illness benefit

    TAL’s Critical Illness Insurance includes a built-in Child’s Critical Illness benefit, which protects kids between 2 and 19 (at their next birthday) up to $10,000 if they suffer a specified critical illness event. Additional cover is available on application. 

  • Inflation protection benefit

    Your benefit amount automatically increases on the policy anniversary by 5% or the indexation factor, whichever is higher, to keep pace with inflation.

  • 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.


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.

$3.5 billion in claims paid*

TAL's claims and health team help with more than just payments: get support from them throughout your recovery.

TAL rewards you for healthy living

Get a discount of up to 15% on your life insurance premiums^

TAL rewards you with lower premiums for looking after your health. Get upfront ongoing discounts of up to 15% on Life, CI and TPD insurance premiums, with TAL's Health Sense program.

Eligibility criteria and T&Cs apply. Discount calculated and applied by TAL. To find out more, visit the TAL website.

Westpac and TAL logo

Getting a quote is simple

1. Explore cover options

Get started with an online critical illness 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.

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

Pays a lump sum in the event of your passing or terminal illness which may support your family if you’re no longer around.

Total & Permanent Disability (TPD) Insurance

Pays a lump sum enabling options on care and way of life if you become permanently disabled and can’t work.

Income Protection Insurance

Provides you with a recurring income to help you focus on recovery if you're unable to work due to sickness or injury.

Things you should know

*In 2022/23 TAL paid $3.5 billion in claims.

^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.

For customers with loadings, the Health Sense discounts apply to premiums including loadings (except loadings applied on a per-mille basis) and apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only. Where a per-mille loading has been applied, the discount will not apply on additional premium resulting from the per-mille loading (an example of a per-mille loading is $5.00 extra premium per $1,000 sum insured). Health Sense discounts only apply to Life Insurance, TPD Insurance and Critical Illness Insurance benefits only.

Any financial product advice provided on this website is of a general nature only and does not take into account your personal circumstances. Westpac refers customers to TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life), the issuer of life insurance policies. TAL Life is part of the TAL Dai-ichi Life Australia Pty Ltd ABN 97 150 070 483 group of companies (TAL). If you purchase a life insurance policy as a result of a referral from us, Westpac will receive a commission of 10% of your premiums (exclusive of GST) for the period you continue to hold a policy.

Before purchasing life insurance, you should read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) to help you decide if life insurance is appropriate to your objectives, circumstances and needs. You can obtain the PDS and TMD from TAL’s website or by calling TAL on 1300 345 620.

By accessing TAL’s website, you will enter a third-party site not owned by Westpac. Any personal information you provide to TAL's website will be collected, used, and disclosed in accordance with TAL's Privacy Statement and Privacy Policy, also available on their website. 

If you would like help deciding whether life insurance is right for you, we recommend speaking to a financial adviser.