<?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="bafpr3.02.21.data.xsd#bafpr3.02.21_bafpr3Abstract" xlink:label="loc_bafpr3.02.21_bafpr3Abstract"/>
        <link:label xlink:type="resource" xlink:label="lbl_bafpr3Abstract" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Performance 3</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bafpr3.02.21_bafpr3Abstract" xlink:to="lbl_bafpr3Abstract"/>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14052" xlink:label="loc_DE14052"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14052" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance Benefits Paid Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14052" xlink:to="lbl_DE14052"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14052" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the benefits paid by the private health insurance fund.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14071" xlink:label="loc_DE14071"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14071" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance Benefits Paid Gap Permitted Prostheses Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14071" xlink:to="lbl_DE14071"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14071" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the benefits paid for gap permitted prostheses.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14068" xlink:label="loc_DE14068"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14068" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance Benefits Paid No Gap Prostheses Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14068" xlink:to="lbl_DE14068"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14068" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for benefits paid for no gap prostheses.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14139" xlink:label="loc_DE14139"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14139" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance Claim Handling Portion Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14139" xlink:to="lbl_DE14139"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14139" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the claim handling portion of other business expenses.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14070" xlink:label="loc_DE14070"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14070" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance Fee Charged Gap Permitted Prostheses Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14070" xlink:to="lbl_DE14070"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14070" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the fee charged for gap permitted prostheses.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14056" xlink:label="loc_DE14056"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14056" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance High Cost Claimants Pool Benefits Gross Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14056" xlink:to="lbl_DE14056"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14056" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the total gross benefit paid for high cost claimants pool (HCCP) claimants, for the current and the preceding 3 quarters, for insured persons with a HCCP claim in the current quarter. This item is to be determined in accordance with the relevant risk equalisation rules.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14058" xlink:label="loc_DE14058"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14058" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance High Cost Claimants Pool Benefits Net Above Threshold Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14058" xlink:to="lbl_DE14058"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14058" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the net benefit paid above the threshold for high cost claimants pool (HCCP) claimants, for the current and the preceding 3 quarters after Age Based Pooling (ABP) has been applied. This amount includes any amounts already included in the HCCP. This item is to be determined in accordance with the relevant risk equalisation rules.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14057" xlink:label="loc_DE14057"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14057" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance High Cost Claimants Pool Benefits Net After Age Based Pooling Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14057" xlink:to="lbl_DE14057"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14057" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the net benefit paid for high cost claimants pool (HCCP) claimants for the current and the preceding 3 quarters, after Age Based Pooling (ABP) has been applied, for insured persons with a HCCP claim in the current quarter. This item is to be determined in accordance with the relevant risk equalisation rules.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14059" xlink:label="loc_DE14059"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14059" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance High Cost Claimants Pool Benefits Total Included Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14059" xlink:to="lbl_DE14059"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14059" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the total benefit to be included in high cost claimants pool (HCCP) for the current quarter after Age Based Pooling (ABP) has been applied and excluding any benefits included in the HCCP in a previous period. This item is to be determined in accordance with the relevant risk equalisation rules.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14138" xlink:label="loc_DE14138"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14138" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance Other Business Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14138" xlink:to="lbl_DE14138"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14138" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, of other business expenses not reported elsewhere.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14137" xlink:label="loc_DE14137"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14137" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance Reinsurance Recoveries Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14137" xlink:to="lbl_DE14137"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14137" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, of expense of reinsurance recoveries in respect of insurance claims. This item is to be determined in accordance with relevant accounting standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14136" xlink:label="loc_DE14136"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14136" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Expense Insurance State Ambulance Levy Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14136" xlink:to="lbl_DE14136"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14136" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for State ambulance levies.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14131" xlink:label="loc_DE14131"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14131" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Income Insurance Discount Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14131" xlink:to="lbl_DE14131"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14131" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, of the effects any discounts have on health insurance business premiums earned.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14128" xlink:label="loc_DE14128"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14128" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Income Insurance Premium Revenue Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14128" xlink:to="lbl_DE14128"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14128" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the premium payable by the policyholder, which is net of discounts and promotions, but gross of any commissions and/or fees taken by intermediaries. This is calculated in accordance with the relevant accounting standard.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14129" xlink:label="loc_DE14129"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14129" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Income Insurance Premium Revenue Gross Of Ceded Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14129" xlink:to="lbl_DE14129"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14129" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the premium payable by the policyholder, which is net of discounts and promotions, but gross of any commissions and/or fees taken by intermediaries. The premium revenues must be gross of any reinsurance arrangements whereby premium is ceded to a reinsurer. This is calculated in accordance with the relevant accounting standard.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14132" xlink:label="loc_DE14132"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14132" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Income Insurance Promotion Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14132" xlink:to="lbl_DE14132"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14132" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, of the effects any promotions have on health insurance business (HIB) premiums earned</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpr3.02.21.data.xsd#DE14130" xlink:label="loc_DE14130"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14130" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Income Insurance Reinsurance Premiums Ceded Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14130" xlink:to="lbl_DE14130"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14130" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for any reinsurance premiums ceded.</link:label>
    </link:labelLink>
</link:linkbase>
