Critical Illness Insurance
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
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. This benefit does not apply when you are on claim.
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.
TAL Critical Illness Insurance is available as 'Standard' or Premier’. 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?
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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.
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.
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.
You may also find these resources helpful
Things you should know
*In 2022/23 TAL paid $3.5 billion in claims.
^The 15% discount applies to non-smokers meeting BMI criteria that hold 4 benefit types (Life; Critical Illness; TPD and Income Protection). Lower discounts apply for other benefit combinations and smokers. See TAL’s website for information. In all cases, if you are eligible for a Health Sense discount, only the Life, Critical Illness and TPD insurance premiums will receive the discount. Discount calculated and applied by TAL.
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.