<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/software-developers/developer-tools/sbr-disclaimer-and-conditions-of-use -->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
    <link:roleRef roleURI="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xlink:type="simple" xlink:href="../fdtn/tech.sbr.01.02.xsd#businessDefinition"/>
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
        <link:loc xlink:type="locator" xlink:href="CoverType.02.00.data.xsd#DM789" xlink:label="loc_DM789"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM789" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Cover Type Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM789" xlink:to="lbl_DM789"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM789" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported data according to the type of policy coverage.</link:label>
        <link:loc xlink:type="locator" xlink:href="CoverType.02.00.data.xsd#DV7612" xlink:label="loc_DV7612"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7612" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Some Lifetime Exclusions But No Reduced Cover</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7612" xlink:to="lbl_DV7612"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7612" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to a policy coverage that does not provide benefits for certain occurrences for the life of the membership but does not restrict benefits paid.</link:label>
        <link:loc xlink:type="locator" xlink:href="CoverType.02.00.data.xsd#DV7613" xlink:label="loc_DV7613"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7613" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Reduced Cover But No Lifetime Exclusions</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7613" xlink:to="lbl_DV7613"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7613" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to a policy coverage that restricts benefits paid but provides benefits for the life of the membership.</link:label>
        <link:loc xlink:type="locator" xlink:href="CoverType.02.00.data.xsd#DV7614" xlink:label="loc_DV7614"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7614" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Reduced Cover And Some Lifetime Exclusions</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7614" xlink:to="lbl_DV7614"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7614" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to a policy coverage that restricts benefits paid and does not provide benefits for certain occurrences for the life of the membership.</link:label>
        <link:loc xlink:type="locator" xlink:href="CoverType.02.00.data.xsd#DV7615" xlink:label="loc_DV7615"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7615" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Full Cover</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7615" xlink:to="lbl_DV7615"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7615" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to a policy coverage that has no restriction on benefits paid.</link:label>
    </link:labelLink>
</link:linkbase>
