We're here to help

We’re continuing to support you through this challenging time as the COVID-19 (coronavirus) situation evolves. Our first priority is supporting you, including paying claims and providing a full service.


If you are on claim and are ill with the coronavirus, you are covered

There are no general exclusions for the coronavirus in any of our individual life insurance policies.

If you are currently on claim, you are fully covered for claims relating to the coronavirus pandemic, and you’ll continue to be paid in line with your policy terms and conditions.

If you are currently on claim, you will continue to be paid

Our claims payment and support process is the most important thing we do.

Our claims teams are ready to support you through this challenging time, and we do not anticipate any significant delays to claims payments.

Your claim will continue to be paid while you continue to meet your policy terms and conditions.

If you need to make a new claim

Dealing with your claim as quickly as possible is a priority for us because we know it's important to you.

When you make a claim, you only need to speak to one person – your claims manager. They will be there to let you know what’s needed for your claim as well as answer any questions you may have.

All claims will continue to be assessed according to the terms and conditions of your specific policy.

To make a claim, call 1300 996 143 (9am–5:30pm, Mon–Fri).

We have a dedicated team to investigate alternative solutions if you’re experiencing difficulty meeting the information requirements of the claims process.

Existing policies

Existing policies are covered for claims relating to the coronavirus pandemic

There are no general exclusions for the coronavirus pandemic in any of our individual Life Insurance policies.

If you already have a policy with us, you are fully covered for the coronavirus pandemic in line with your policy terms and conditions. This includes all doctors, nurses and health professionals.

You can apply to increase your level of cover

If you wish to increase your insurance cover, call us on 1300 996 143 to apply.

If during the policy increase application and assessment process it is established that you have recently travelled abroad, are showing symptoms of the coronavirus, or are in a high-risk group then you may be individually assessed, and modified terms may be offered for the additional insurance cover only. These matters would be identified and assessed through our normal assessment process.

Any new modified terms that are applied would only apply to the additional insurance cover and would not be applied to the insurance cover you already have in place under your policy.

If you have any specific questions on your policy, call us with your policy details on 1300 996 143.

Frontline healthcare workers

If you are a frontline doctor, nurse, medical practitioner, or a healthcare worker who supports them, such as police, pharmacist, paramedic or age care worker, and wish to apply for new Life Insurance cover, we would be pleased to help you.

This is regardless of any exposure, or potential exposure, to the coronavirus.

For more information, call us on 1300 996 143.

We're committed to ensuring health workers can access Life Insurance cover

The life insurance industry has a critical role to play in supporting Australians at this important time. We intend to play our part to support you when you need us most.

TAL Life Limited (as issuer of the NRMA Life Insurance) is pleased to have supported this FSC initiative to protect our frontline health workers. This commitment on behalf of participating FSC life insurance member companies is to ensure that frontline healthcare workers are not prevented from obtaining life insurance cover purely through exposure, or potential exposure, to coronavirus.

TAL Life Limited, as issuer of NRMA Life Insurance, is a member of the Financial Services Council (FSC) and a participating life insurance member in these initiatives.

The commitment

Life insurance companies participating in this commitment agree as follows:

For relevant healthcare workers, exposure or potential exposure to coronavirus will not of itself be used to:

  • Decline an application for cover
  • Charge a higher premium
  • Apply a coronavirus pandemic risk exclusion to any of the benefits offered.

This is subject to:

  • The agreement applies to new underwritten applications for individual life insurance benefits up to the financial limits below for relevant healthcare workers
  • The normal underwriting process and rules will apply to individuals for health conditions unrelated to coronavirus
  • Applicants who have tested positive for coronavirus, or who are waiting for a test result, will not be immediately eligible for cover.

Relevant healthcare workers

Relevant healthcare workers include, but are not limited to, all the following people working in any capacity in Australia, in any of the following:

  • Doctors, nurses, cleaners and all hospital workers
  • Ambulance workers and paramedics
  • People working at a GP Surgery or Clinic
  • People working at a coronavirus testing site
  • Allied healthcare workers
  • People providing mental healthcare services
  • People developing a coronavirus vaccine or treatment
  • Pharmacists
  • Police
  • Age care workers
  • Volunteers helping to support people with coronavirus.

Financial limits

The commitment applies to the total amounts of cover the applicant would have, including both the cover being applied for and any existing individual and group insurance cover with all life insurers in aggregate, up to the following amounts:

  • $750,000 of lump sum death cover
  • $500,000 of total permanent disability cover (TPD)
  • $200,000 of trauma and/or critical illness cover
  • $4,000 a month in total of any combination of income protection, salary continuance or business expenses cover.

Nothing in this commitment prevents any life insurer from providing additional coverage in excess of the above.

Duration of the commitment

The commitment starts on 6 April 2020 and will continue until at least 1 January 2021 when it will be reviewed with a view to extending it if required.