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TAL Health Insurance Review: Hospital and Extras Policies

TAL, one of the leading life insurance companies in Australia has partnered with NIB, one of Australia’s biggest health insurance brands, to offer you another choice of private health insurance provider.
Fact Checked

Updated: 28 May 2024

TAL health insurance offers customers the choice of 4 Hospital policies and 4 Extras options. You are also free to mix and match these policies to create a package suitable to your and your family’s requirements. Currently, this offer will only be available from select financial advisers.

If you are considering their health insurance offering, be sure you know what is covered, what’s excluded, how much it costs.

ComparingExpert does not currently have access to this provider. Visit to request a quote and compare their price and benefits to the Australian private health insurance companies we have access to.

About TAL private health insurance

NIB Health Funds Limited issues TAL health cover policies. Together TAL and NIB have joined forces to bring Australians a new health insurance offering, called TAL Health Insurance.

Currently, health insurance by TAL is only available through a select group of financial advisers. If you get referred by one of these financial adviser’s you could receive 5% off your premiums.

If you purchase a TAL Health Insurance Combined Hospital and Extras policy before 31 January 2019, you’ll get $200 off your next premium payment after you’ve successfully had your plan for 3 continues months.

TAL Health Insurance
cover options

TAL offers a range of flexible policy options suited to your individual requirements. You can choose between any 4 Hospital options and 4 Extras options, with the opportunity to create your own combined package by mixing and matching Hospital and Extras.

Hospital options

There are 4 Hospital cover options available, each at different price points, covering a wide range of in-hospital treatments. Every Hospital policy from TAL also includes cover for accidental injuries and emergency ambulance services after only one day of your plan being active.

The general amount of time (waiting period) you’ll have to serve before claiming benefits is 2 months for psychiatric treatment, rehabilitation or palliative care and 12 months for procedures relating to pre-existing conditions, including pregnancy-related services.

Take note: Below prices are calculated on a single adult living in Victoria purchasing hospital cover with a $500 excess and excludes any rebate or loadings.

Basic Plus Hospital

Mid Hospital

Advanced Hospital

Premium Hospital

Important: If you decide to seek treatment at a private hospital that does not have an agreement with TAL, you might incur higher out-of-pocket expenses.

Extras options

TAL offers you the choice between 4 Extras policies providing coverage for general treatments done outside of a hospital. You can purchase this policy type either as a stand-alone or combine it with your Hospital coverage. All Extras offers 100% back on preventative tests up to $100 and includes comprehensive ambulance coverage.

Important: Carefully review the insurer’s Policy Booklet of Recognised Providers. As a customer, you can choose to receive general treatment from any provider with a professional qualification that is recognised by TAL.

Waiting periods for Extras cover

Before you decide to purchase health insurance from TAL, you might want to shop around to gather and compare quotes from different health funds, to make sure you find the best coverage for your requirements and budget.

Frequently Asked Questions and Answers

No. TAL Life Limited is a life insurance specialist in Australia. Their health policies are issued by NIB, a register private health insurer.

Currently, to get a TAL health insurance policy you’ll need to be referred by one of the select groups of financial advisers who have access to this insurer’s offering.



Megan has extensive experience writing about health and life insurance in Australia. Megan has a special interest in health and wellness. She relies on her background in counselling psychology to convey the latest findings in a manner that is most beneficial to ComparingExperts readers. In every article she writes, Megan aims to uphold the standards of the Private Health Insurance Intermediaries Association (PHIAA) which ComparingExpert is part of.

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