Who can apply?
All permanent Australian residents between the ages of 16 and 55 can apply. You will need to answer some medical and lifestyle questions.
How do I apply?
There are 4 easy ways you can apply.
Please choose the option which suits you;
- Call 13 77 87 and apply over the phone between 8am and 8pm AEST, or
- Complete the application form then;
- Mail to Reply Paid 62, Carlton South VIC 3053 or
- Fax to 1800 730 099 or
- Scan and email to insuranceline@insuranceline.com.au
What am I covered for?
Once accepted for the Cancer Insurance Plan you’ll be covered for Cancer as defined below. Claims will be paid upon satisfactory diagnosis of any cancers, which have developed to a life-threatening stage such as:
- Breast cancer
- Lung cancer
- Large bowel cancer
- Prostate cancer
- Bladder cancer
- Cervical cancer
- Non-Hodgkin’s lymphoma
- Leukaemia
Please refer to the table below for the full definition of what is and what isn’t covered.
In fact, life-threatening cancer can start in virtually any part of the body, including even the bones, testicles and uterus.
Most people now survive life-threatening cancer through advanced medical intervention, such as radiation or chemotherapy and surgery. However, if you die as a result of a cancer covered by the plan before a claim has been paid, your claim will still be paid to your Estate.
What cancers aren’t covered?
Generally, tumours that are benign, non-malignant or pre-malignant and non life-threatening are not covered. Some of the most commonly excluded cancers are:
- Most skin cancers
- Some non life-threatening cervical cancers
- Some non life-threatening prostate cancers
Please refer to the table below for full the definition of what is and what isn’t covered.
Definitions of Insured Conditions
How much cover can I get?
You can apply for cover up to $100,000 per person.
Where and when am I covered?
Cover provided is worldwide, 24 hours a day up to age 69, at which time your policy will cease.
What are the waiting periods?
The Cancer Insurance Plan has a 90 day waiting period. This means that you cannot claim where the cancer occurred, was diagnosed, or the circumstances leading to the diagnosis became apparent, within the first 90 days.
If I cancel my policy, will I get any money back?
You get 30 days to make sure you are 100% happy with the policy.
If not, simply return it for a full refund – there’s no risk to you! The Cancer Insurance Plan is not a savings plan, so if you cancel after the first 30 days you will not get any money back.
How much does it cost?
Premiums depend on the amount of cover you apply for, your age, gender, health, and whether or not you smoke. The minimum premium is $2.95 a week, and you can choose to pay fortnightly, monthly or annually. Discounts apply if you cover more than one person or if you pay annually. The easiest way to get a personalised quote is to call
13 77 87.
What questions will I be asked?
The application process includes some simple questions about your occupation, pastimes and health background. As long as you answer these truthfully and completely, then any future claims will be processed more quickly - even if your lifestyle and health changes.
So you’ll be covered by a policy that provides real peace of mind and more certainty.
Can I apply if I have Cancer now or if I’ve had Cancer in the past?
We’re sorry, if you’ve got any type of cancer now, we can’t offer you cover.
However, you may be able to apply for cover if you’ve had cancer before, because it depends on the type of Cancer you’ve had. If it was definitely confirmed as benign, then call us to enquire about cover.
Are my premiums tax deductible?
Generally, the premiums paid will not be tax deductible nor will any payout be assessable for income tax purposes. The taxation information in this Product Disclosure Statement is based on the continuation of present laws and their current interpretation and is a general statement only.
When will my premiums change?
The premium rates will be provided with your policy documentation, so you can budget from year to year. The underlying premium rates are not guaranteed, but once your cover has started, you’ll never be singled out for a premium rate increase, and any increase will be applied to all policyholders to which the same premium rate table applies, with 30 days written notice.
Premiums increase;
- as the life insured moves to the next age band,
- if you increase cover,
- if you add another person to your Plan
Unless otherwise requested, your cover also increases each year by the change in the CPI or 5%g, whichever is greater, to allow for the automatic adjustment for inflation. As you’d expect your premium increases. This means your payout remains relevant to your future financial requirements.
What happens if I don’t pay my premiums?
The cover provided by the Cancer Insurance Plan will cease. You will be informed in writing when your cover has ceased if this is the case. It’s important to let us know immediately if you cannot pay a premium, so we can help to work out an alternative arrangement.
How do I claim?
Simply call InsuranceLine on
13 77 87 and request a claim form (or download a claim pack from
www.insuranceline.com.au). All you have to do is return it with the relevant information. InsuranceLine and TAL will guide you from there.
TAL will need confirmation of diagnosis by a relevant medical practitioner, including the results of any tests, which can be checked against your medical history. Once a claim has been paid, all cover for that life insured ceases, but cover continues for any other life insured remaining on the same policy.
Your satisfaction is important
Upon issue of your policy you will receive a Policy Document and a Policy Schedule, together with your Confirmation of Application. You should read these documents carefully to ensure they accurately reflect your situation and then keep them together in a safe place.
Who do I contact if I have a query?
On behalf of TAL, InsuranceLine also administers the products it promotes under a separate agreement. The service provided is flexible to your needs. If you have any billing issues, or wish to change your level of cover, add a second person or any other queries, please call InsuranceLine on
13 77 87.
Who do I contact if I have a complaint?
On behalf of TAL, InsuranceLine will also try to resolve any issues you may have in the first instance. Please refer to the Financial Services Guide for the complaints processes.
This summary describes how the direct debit request system works. Upon issue of your policy, you will also receive a full copy of the Direct Debit Request Service Agreement. You should read the Agreement carefully as it explains your rights and obligations relating to your ongoing direct debits.
When you complete your bank details and sign the authority, you are authorising the direct debit of the appropriate premiums from your nominated account. Your authority will be kept confidential at all times.
If your premium cannot be paid (for example there’s not enough money in your nominated account) your bank may dishonour that payment, in which case your policy may lapse and all cover cease.
If you have concerns about its operation or you subsequently need to change any aspects of the authority, please notify us.
From time to time updates about our services which are subject to change and which are not materially adverse to you may be found on the InsuranceLine website at www.insuranceline.com.au and if you request a paper copy of any updated information, this will be provided to you without charge.