<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/software-developers/developer-tools/sbr-disclaimer-and-conditions-of-use -->
<xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:PrdOffstEffctvPrd.02.04="http://sbr.gov.au/dims/PrdOffstEffctvPrd.02.04.dims" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://sbr.gov.au/dims/PrdOffstEffctvPrd.02.04.dims" elementFormDefault="qualified">
    <xsd:annotation>
        <xsd:appinfo>
            <link:linkbaseRef xlink:type="simple" xlink:href="PrdOffstEffctvPrd.02.04.labLink.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
        </xsd:appinfo>
    </xsd:annotation>
    <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
    <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
    <xsd:element name="CurrentPeriod" id="DV5277" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AfterReportingPeriod" id="DV5278" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="BeforeReportingPeriod" id="DV5279" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="ReportingPeriod12M" id="DV6189" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior5Months" id="DV7893" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior25Months" id="DV7894" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior28Months" id="DV7895" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior34Months" id="DV7896" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior27Months" id="DV7897" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior10Months" id="DV7898" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior13Months" id="DV7899" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior16Months" id="DV7900" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior36Months" id="DV7901" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior12Months" id="DV7902" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior21Months" id="DV7903" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior30Months" id="DV7904" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior17Months" id="DV7905" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior31Months" id="DV7906" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior3Months" id="DV7907" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior45Months" id="DV7908" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior43Months" id="DV7909" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior29Months" id="DV7910" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior38Months" id="DV7911" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior7Months" id="DV7912" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior18Months" id="DV7913" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior32Months" id="DV7914" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior11Months" id="DV7915" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior35Months" id="DV7916" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior46Months" id="DV7917" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior44Months" id="DV7918" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior26Months" id="DV7919" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior22Months" id="DV7920" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior8Months" id="DV7921" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior39Months" id="DV7922" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior14Months" id="DV7923" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior37Months" id="DV7924" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior15Months" id="DV7925" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior6Months" id="DV7926" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior47Months" id="DV7927" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior1Month" id="DV7928" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior33Months" id="DV7929" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior20Months" id="DV7930" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior40Months" id="DV7931" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior24Months" id="DV7932" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior42Months" id="DV7933" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior9Months" id="DV7934" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SameMonth" id="DV7935" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior23Months" id="DV7936" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior48Months" id="DV7937" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior19Months" id="DV7938" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior41Months" id="DV7939" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior2Months" id="DV7940" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Prior4Months" id="DV7941" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PeriodOffsetEffectivePeriodDimension" id="DM461" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="ClaimsAdmittedPeriodDimension" id="DM631" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="ClaimsIncurredPeriodDimension" id="DM824" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="ClaimsPaidPeriodDimension" id="DM825" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="instant"/>
</xsd:schema>
