At Asteron, we understand that your health and wellbeing play a big part in empowering you to live a long and happy life. That’s why we work hard to support your health journey in every way possible. You can count on us to be there when you need us most at claim time, but we're also here to help you focus on living your healthiest life before and after a claim.

That’s why you can enjoy:

• rewards for taking proactive steps to look after your health,
• additional complimentary health benefits, and access to useful information and services to empower you to live well.

Asteron Health Sense Plus

With the Asteron Health Sense Plus program, we reward you for taking care of you.

You’ll enjoy a 5% saving on your Life, TPD and Trauma/Recovery insurance premiums¹ for the next two years when you get a health check in the months leading up to your policy anniversary. If eligible for the reward, you’ll receive an invitation with instructions on how to apply before your policy renews.

Health checks, such as a blood pressure test or skin check, are quick and easy and can be done by your GP the next time you visit. They’re a simple way to catch any health issues early on, so they don’t become more serious problems down the line.

How does Health Sense Plus work?

With Health Sense Plus, you can keep a check on your health and save in the process.

Check if you’re eligible for the 5% reward:

• do you have a current Asteron Life Complete policy, Asteron Lifeguard Life, TPD or Trauma policy, or a Recovery Package/Stand Alone policy, which commenced on or after 1 January 2008?
• have you not made a claim under any policies you hold with us?
• are you less than 62 years old when applying?
• have you provided a valid email address so we can send you the offer?

If you answered yes to all of the above questions, you should receive an invitation email from us to apply for the reward a few months before your policy anniversary.

How to apply

Have a health check any time in the few months leading up to your policy anniversary. Your GP can guide you on which test is most appropriate for you.

If you’re eligible, we’ll send you an email in the months before your policy anniversary with a link where you can enter your health check details and submit your application. Be sure to submit your details by the due date stated in the offer email.

Don’t worry – we don’t need your test results and being part of the Asteron Health Sense Plus program won’t have any effect on your existing cover or future claims.

Asteron Health Benefits

Supporting you when you need to make a claim is at the heart of what we do. In addition to financial support, we’re committed to helping you get back on your feet and in a healthy state in both body and mind after injury or illness.

Personalised Recovery Support

We understand your needs are unique and your recovery journey is too. Our Claims and Health Teams take a person-centred approach to providing claims and recovery support to ensure you receive the help you need. We will also work with your carer, medical team or employer to make the process as smooth as possible. Once you’re ready to return to work, our team can get you in contact with the necessary support services to help you achieve your return-to-work goals.

Asteron Health Support Services

We provide a range of support services that are:

• entirely optional and won't impact your claim,
• available at no additional cost to you,
• curated by our health experts,
• grounded in evidence and aligned with medical standards, and
• centred on helping you achieve your health and return-to-work goals.

Important information:

¹ The discount applies only to Asteron Life Complete and Asteron Lifeguard Life, TPD and/or Trauma/Recovery insurance which commenced on or after 1 January 2008. The discount does not apply to any Child Cover Options or Child Cover benefits you may hold. The discount only applies to the base premium. The discount does not apply to per mille loadings, policy fees and stamp duties.

Health Sense Plus is subject to offer and eligibility criteria. Participating in Health Sense Plus is entirely optional and does not impact your existing policy terms or claims made under your existing Asteron Life policy with TAL Life. The discount applies only to Asteron Life Complete and Asteron Lifeguard Life, TPD and/or Trauma/Recovery insurance which commenced on or after 1 January 2008. TAL reserves the right to alter or discontinue the Health Sense Plus offer at any time.

The costs of preventative screening consultations and tests are not reimbursed by TAL, and the results are not required to be disclosed to TAL for the purposes of confirming eligibility for the Health Sense Plus discount.

By participating in Health Sense Plus and verifying eligibility for the program, TAL collects data and information which includes participants’ personal information and may include sensitive personal information (Data). By participating in Health Sense Plus, participants consent to TAL’s collection and use of the Data in accordance with the TAL Privacy Policy.

Any Data shared with TAL for the purposes of the Health Sense Plus program is used only for assessing eligibility for the discount and is regularly deleted once eligibility has been confirmed. Health Sense Plus is not a substitute for professional medical advice or care: always seek advice from a qualified provider in the event of health concerns or questions. Nothing in this document should be construed as medical advice. Any financial product advice is general in nature only and does not take into account any person’s objectives, financial situation or needs. Before acting on it, the appropriateness of the advice for any person should be considered, having regard to those factors.

² CANCERAUSTRALIA.GOV.AU (2018).

³ Claims statistics based on total number of accepted claims that were determined to be eligible for payment between 1 April 2023 and 31 March 2024. A claim is assessed in order to determine whether or not the claim is payable. A claim is accepted when the claim is determined to be payable.