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Reporting Standard HRS 605.0 Private Health Insurance Reforms Data Collection (HRS 605.0) – Postponed implementation and further changes

Tuesday 31 March 2020

Published 31 March 2020

To: all private health insurers

This letter is to inform private health insurers of the postponement of the implementation of HRS 605.0 to allow PHIs to devote resources to handling the impacts of COVID-19. This letter also contains information regarding further changes to HRS 605.0 following feedback from PHIs.


The Australian Prudential Regulation Authority (APRA) will collect data under HRS 605.0 on behalf of the Department of Health (the Department) on private health insurance reform measures (reforms) announced by the Department in October 2017.

The Department released the initial reforms reporting form in January 2019. APRA changed the collection design to use a more data-centric approach, consulting in September 2019 and responding to submissions in December 20191, with implementation initially planned for the quarter ending June 2020. 

Feedback from industry as entities prepared for implementation has led APRA and the Department to identify the need for two small amendments to HRS 605.0. 

Postponement of implementation

As announced on 23 March, APRA has suspended the implementation and transition to reporting standards that have been recently finalised in response to the impact of COVID-19.

The decision is intended to allow APRA-regulated entities to dedicate time and resources to maintaining their operations and supporting customers, while also enabling APRA to intensify its focus on monitoring and responding to the impact of a rapidly changing environment on entities’ financial and operational capacity.

As a result of this decision, APRA will pause the implementation of the current version of HRS 605.0, which was released in December 2019. PHIs will continue submitting data using the Excel-based collection.

Before updating HRS 605.0 to include the amendment identified by APRA and the Department, APRA will conduct a public consultation on the changes noted above. As detailed in the March letter, this consultation will be delayed until September 2020 at the earliest. Under this scenario, the first collection would be for the quarter ending March 2021. APRA will advise entities when consultation on HRS 605.0 opens in due course.

Changes to HRS 605.0

APRA and the Department are concerned that entities may have progressed into building and implementing processes to prepare and submit HRS 605.0 data, and therefore wish to provide details of the changes prior to further implementation.

APRA and the Department have drafted two key changes to HRS 605.0. These changes are relatively minor but will improve the usefulness of HRS 605.0 data. The changes are:

  • Removing co-payment from Tables 2 and 3; and
  • Adding an additional dimension (column) to Table 4 to separately collect psychiatric services.

Marked-up versions of these tables can be found in the appendix to this letter. As mentioned earlier, APRA will consult formally on these changes at a later date.

If your entity has any concerns or questions please contact the Senior Manager, Data Frameworks and Strategy at

Yours sincerely,

Alison Bliss
General Manager
Cross-Industry Insights & Data Division


Consultations on private health insurance reform data collection


Appendix A: Proposed Changes

2. Insured Persons

This table shows the number of insured persons by sex, age, private hospital insurance product tiers, policy cover type, policy treatment type, excess amount, age-based discount amount, geography and psychiatric care waiting period exemption

3. Policies

This table shows the number of policies by private hospital insurance product tiers, policy cover type, policy treatment type, excess amount and geography

4. Hospital services, benefits, fees charged, treatment days and episodes

This table shows the hospital services, benefits, fees charged, treatment days and episodes