<?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="ExcssAndCPymntAmnts.02.00.data.xsd#DM801" xlink:label="loc_DM801"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM801" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Excess And Co Payment Amounts Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM801" xlink:to="lbl_DM801"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM801" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported data according to the excess and co-payment amounts payable.</link:label>
        <link:loc xlink:type="locator" xlink:href="ExcssAndCPymntAmnts.02.00.data.xsd#DV7653" xlink:label="loc_DV7653"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7653" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Greater Than 500 Or 1000</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7653" xlink:to="lbl_DV7653"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7653" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the excess and co-payment of greater than $500 for policies covering only one person or greater than $1,000 for policies covering more than one person.</link:label>
        <link:loc xlink:type="locator" xlink:href="ExcssAndCPymntAmnts.02.00.data.xsd#DV7654" xlink:label="loc_DV7654"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7654" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Nil</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7654" xlink:to="lbl_DV7654"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7654" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to a nil excess and co-payment amount.</link:label>
        <link:loc xlink:type="locator" xlink:href="ExcssAndCPymntAmnts.02.00.data.xsd#DV7655" xlink:label="loc_DV7655"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7655" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Less Than Or Equal To 500 Or 1000</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7655" xlink:to="lbl_DV7655"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7655" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to the excess and co-payment of less than or equal to $500 for policies covering only one person or less than or equal to $1,000 for policies covering more than one person.</link:label>
    </link:labelLink>
</link:linkbase>
