<?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="WaitingPeriod.02.00.data.xsd#DM672" xlink:label="loc_DM672"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM672" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Waiting Period Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM672" xlink:to="lbl_DM672"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM672" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension represents the types of waiting period of insurance cover.</link:label>
        <link:loc xlink:type="locator" xlink:href="WaitingPeriod.02.00.data.xsd#DV7114" xlink:label="loc_DV7114"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7114" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Up To 365 Days</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7114" xlink:to="lbl_DV7114"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7114" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is between 181 and 365 days inclusive.</link:label>
        <link:loc xlink:type="locator" xlink:href="WaitingPeriod.02.00.data.xsd#DV7115" xlink:label="loc_DV7115"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7115" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Up To 180 Days</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7115" xlink:to="lbl_DV7115"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7115" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is between 91 and 180 days inclusive.</link:label>
        <link:loc xlink:type="locator" xlink:href="WaitingPeriod.02.00.data.xsd#DV7116" xlink:label="loc_DV7116"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7116" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Up To 60 Days</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7116" xlink:to="lbl_DV7116"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7116" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is between 31 and 60 days inclusive.</link:label>
        <link:loc xlink:type="locator" xlink:href="WaitingPeriod.02.00.data.xsd#DV7117" xlink:label="loc_DV7117"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7117" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Not Applicable</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7117" xlink:to="lbl_DV7117"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7117" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is not applicable.</link:label>
        <link:loc xlink:type="locator" xlink:href="WaitingPeriod.02.00.data.xsd#DV7118" xlink:label="loc_DV7118"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7118" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Longer Than 1 Year</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7118" xlink:to="lbl_DV7118"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7118" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is longer than one year.</link:label>
        <link:loc xlink:type="locator" xlink:href="WaitingPeriod.02.00.data.xsd#DV7119" xlink:label="loc_DV7119"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7119" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Up To 90 Days</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7119" xlink:to="lbl_DV7119"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7119" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is between 61 and 90 days inclusive.</link:label>
        <link:loc xlink:type="locator" xlink:href="WaitingPeriod.02.00.data.xsd#DV7120" xlink:label="loc_DV7120"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7120" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Up To 30 Days</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7120" xlink:to="lbl_DV7120"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7120" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Represents the period that is no longer than 30 days.</link:label>
    </link:labelLink>
</link:linkbase>
