<?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="LftmHlthCvrLdng.02.00.data.xsd#DM806" xlink:label="loc_DM806"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM806" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Lifetime Health Cover Loading Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM806" xlink:to="lbl_DM806"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM806" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported data according to whether lifetime health cover loading is applied.</link:label>
        <link:loc xlink:type="locator" xlink:href="LftmHlthCvrLdng.02.00.data.xsd#DV7731" xlink:label="loc_DV7731"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7731" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Loading Applied</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7731" xlink:to="lbl_DV7731"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7731" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to lifetime health cover (LHC) loading being applied. LHC loading is applicable if an adult did not have hospital cover before the 1 July following their 31st birthday and has not had hospital cover for a continuous period of 10 years.</link:label>
        <link:loc xlink:type="locator" xlink:href="LftmHlthCvrLdng.02.00.data.xsd#DV7732" xlink:label="loc_DV7732"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7732" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Loading Removed</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7732" xlink:to="lbl_DV7732"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7732" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to lifetime health cover loading (LHC) being removed. LHC loading is removed if an adult has had hospital cover for a continuous period of 10 years.</link:label>
    </link:labelLink>
</link:linkbase>