<?xml version="1.0" encoding="utf-8"?><xs:schema attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema"><xs:complexType name="Thousand_x0020_Separated"><xs:annotation><xs:documentation>
      </xs:documentation></xs:annotation><xs:sequence><xs:element name="value"><xs:simpleType><xs:restriction base="xs:decimal"><xs:whiteSpace value="collapse" fixed="true" /><xs:totalDigits value="19" fixed="true" /><xs:fractionDigits value="0" fixed="true" /><xs:pattern value="-?[0-9]{0,19}" /></xs:restriction></xs:simpleType></xs:element></xs:sequence></xs:complexType><xs:complexType name="TEXT"><xs:annotation><xs:documentation>
      </xs:documentation></xs:annotation><xs:sequence><xs:element name="value"><xs:simpleType><xs:restriction base="xs:string"><xs:whiteSpace value="preserve" fixed="true" /><xs:minLength value="1" fixed="true" /><xs:maxLength value="4000" fixed="true" /></xs:restriction></xs:simpleType></xs:element></xs:sequence></xs:complexType><xs:complexType name="MONETARY"><xs:annotation><xs:documentation>
      </xs:documentation></xs:annotation><xs:sequence><xs:element name="value"><xs:simpleType><xs:restriction base="xs:decimal"><xs:whiteSpace value="collapse" fixed="true" /><xs:totalDigits value="28" fixed="true" /><xs:fractionDigits value="9" fixed="true" /><xs:pattern value="-?[0-9]{0,19}(\.[0-9]{0,9})?" /></xs:restriction></xs:simpleType></xs:element></xs:sequence></xs:complexType><xs:complexType name="Integer"><xs:annotation><xs:documentation>
      </xs:documentation></xs:annotation><xs:sequence><xs:element name="value"><xs:simpleType><xs:restriction base="xs:decimal"><xs:whiteSpace value="collapse" fixed="true" /><xs:totalDigits value="19" fixed="true" /><xs:fractionDigits value="0" fixed="true" /><xs:pattern value="-?[0-9]{0,19}" /></xs:restriction></xs:simpleType></xs:element></xs:sequence></xs:complexType><xs:complexType name="Date"><xs:annotation><xs:documentation>
      </xs:documentation></xs:annotation><xs:sequence><xs:element name="value"><xs:simpleType><xs:restriction base="xs:date"><xs:whiteSpace value="collapse" fixed="true" /></xs:restriction></xs:simpleType></xs:element></xs:sequence></xs:complexType><xs:complexType name="Integer_x0020__x0028_14_x0029_"><xs:annotation><xs:documentation>
      </xs:documentation></xs:annotation><xs:sequence><xs:element name="value"><xs:simpleType><xs:restriction base="xs:decimal"><xs:whiteSpace value="collapse" fixed="true" /><xs:totalDigits value="14" fixed="true" /><xs:fractionDigits value="0" fixed="true" /><xs:pattern value="-?[0-9]{0,14}" /></xs:restriction></xs:simpleType></xs:element></xs:sequence></xs:complexType><xs:complexType name="PrivateHealthInsurerFundType"><xs:annotation><xs:documentation>
      </xs:documentation></xs:annotation><xs:sequence><xs:element name="value"><xs:simpleType><xs:restriction base="xs:string"><xs:whiteSpace value="preserve" fixed="true" /><xs:enumeration value="HealthBenefitsFund"><xs:annotation><xs:documentation>Key 'HealthBenefitsFund' = Label 'Health benefits fund'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="GeneralFund"><xs:annotation><xs:documentation>Key 'GeneralFund' = Label 'General fund'</xs:documentation></xs:annotation></xs:enumeration></xs:restriction></xs:simpleType></xs:element></xs:sequence></xs:complexType><xs:complexType name="PHIPrivateHealthInsurerBusinessType"><xs:annotation><xs:documentation>
      </xs:documentation></xs:annotation><xs:sequence><xs:element name="value"><xs:simpleType><xs:restriction base="xs:string"><xs:whiteSpace value="preserve" fixed="true" /><xs:enumeration value="HealthInsuranceBusiness"><xs:annotation><xs:documentation>Key 'HealthInsuranceBusiness' = Label 'Health insurance business'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="HealthRelatedInsuranceBusiness"><xs:annotation><xs:documentation>Key 'HealthRelatedInsuranceBusiness' = Label 'Health-related insurance business'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="HealthRelatedBusinessNonInsurance"><xs:annotation><xs:documentation>Key 'HealthRelatedBusinessNonInsurance' = Label 'Health-related business – non-insurance'</xs:documentation></xs:annotation></xs:enumeration></xs:restriction></xs:simpleType></xs:element></xs:sequence></xs:complexType><xs:complexType name="PHIClassOfBusiness"><xs:annotation><xs:documentation>
      </xs:documentation></xs:annotation><xs:sequence><xs:element name="value"><xs:simpleType><xs:restriction base="xs:string"><xs:whiteSpace value="preserve" fixed="true" /><xs:enumeration value="HospitalTreatment"><xs:annotation><xs:documentation>Key 'HospitalTreatment' = Label 'Hospital treatment'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="GeneralTreatment"><xs:annotation><xs:documentation>Key 'GeneralTreatment' = Label 'General treatment'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="HealthRelatedInsuranceBusiness"><xs:annotation><xs:documentation>Key 'HealthRelatedInsuranceBusiness' = Label 'Health-related insurance business'</xs:documentation></xs:annotation></xs:enumeration></xs:restriction></xs:simpleType></xs:element></xs:sequence></xs:complexType><xs:complexType name="PHIHealthInsuranceBusinessMembershipReportingPeriod"><xs:annotation><xs:documentation>
      </xs:documentation></xs:annotation><xs:sequence><xs:element name="value"><xs:simpleType><xs:restriction base="xs:string"><xs:whiteSpace value="preserve" fixed="true" /><xs:enumeration value="AsAtTheCurrentReportingDate"><xs:annotation><xs:documentation>Key 'AsAtTheCurrentReportingDate' = Label 'As at the current reporting date'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="OneYearPriorToTheReportingDate"><xs:annotation><xs:documentation>Key 'OneYearPriorToTheReportingDate' = Label 'One year prior to the reporting date'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="TwoYearsPriorToTheReportingDate"><xs:annotation><xs:documentation>Key 'TwoYearsPriorToTheReportingDate' = Label 'Two years prior to the reporting date'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="ThreeYearsPriorToTheReportingDate"><xs:annotation><xs:documentation>Key 'ThreeYearsPriorToTheReportingDate' = Label 'Three years prior to the reporting date'</xs:documentation></xs:annotation></xs:enumeration></xs:restriction></xs:simpleType></xs:element></xs:sequence></xs:complexType><xs:complexType name="PHIFutureExposureRiskChargePeriod"><xs:annotation><xs:documentation>
      </xs:documentation></xs:annotation><xs:sequence><xs:element name="value"><xs:simpleType><xs:restriction base="xs:string"><xs:whiteSpace value="preserve" fixed="true" /><xs:enumeration value="Month1"><xs:annotation><xs:documentation>Key 'Month1' = Label 'Month 1'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="Month2"><xs:annotation><xs:documentation>Key 'Month2' = Label 'Month 2'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="Month3"><xs:annotation><xs:documentation>Key 'Month3' = Label 'Month 3'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="Month4"><xs:annotation><xs:documentation>Key 'Month4' = Label 'Month 4'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="Month5"><xs:annotation><xs:documentation>Key 'Month5' = Label 'Month 5'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="Month6"><xs:annotation><xs:documentation>Key 'Month6' = Label 'Month 6'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="Month7"><xs:annotation><xs:documentation>Key 'Month7' = Label 'Month 7'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="Month8"><xs:annotation><xs:documentation>Key 'Month8' = Label 'Month 8'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="Month9"><xs:annotation><xs:documentation>Key 'Month9' = Label 'Month 9'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="Month10"><xs:annotation><xs:documentation>Key 'Month10' = Label 'Month 10'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="Month11"><xs:annotation><xs:documentation>Key 'Month11' = Label 'Month 11'</xs:documentation></xs:annotation></xs:enumeration><xs:enumeration value="Month12"><xs:annotation><xs:documentation>Key 'Month12' = Label 'Month 12'</xs:documentation></xs:annotation></xs:enumeration></xs:restriction></xs:simpleType></xs:element></xs:sequence></xs:complexType><xs:element name="PHI_IRC"><xs:complexType><xs:sequence minOccurs="1" maxOccurs="1"><xs:element name="PHI_IRC"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="FrequencyCategory"><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="NumberOfMonthsInPeriod"><xs:complexType><xs:complexContent mixed="false"><xs:extension base="Integer"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PreviousPeriodEndDate"><xs:complexType><xs:complexContent mixed="false"><xs:extension base="Date"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="FirmID"><xs:complexType><xs:complexContent mixed="false"><xs:extension base="Thousand_x0020_Separated"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="FirmName"><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="EntityDetails"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="EntityDetails_x005F_x002E_01"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="FirmRef"><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="ReportingEndDate"><xs:complexType><xs:complexContent mixed="false"><xs:extension base="Date"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_1"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_1_x005F_x002E_01"><xs:complexType><xs:sequence minOccurs="0" maxOccurs="unbounded"><xs:element minOccurs="1" maxOccurs="1" name="HRS_115_0_Table_1_x005F_x002E_01_x0020_Repeat_x0020_Group"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundType"><xs:annotation><xs:documentation>This is the type of private health insurer fund</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PrivateHealthInsurerFundType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundName"><xs:annotation><xs:documentation>This means Private Health Insurer Fund Name</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIHealthRelatedInsuranceBusinessAccruedPremiumAmount"><xs:annotation><xs:documentation>This is the value of accrued premium for health-related insurance business for the 12 months up to the reporting date.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute default="list" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_2"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_2_x005F_x002E_01"><xs:complexType><xs:sequence minOccurs="0" maxOccurs="unbounded"><xs:element minOccurs="1" maxOccurs="1" name="HRS_115_0_Table_2_x005F_x002E_01_x0020_Repeat_x0020_Group"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundName"><xs:annotation><xs:documentation>This means Private Health Insurer Fund Name</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIHealthInsuranceBusinessMembershipReportingPeriod"><xs:annotation><xs:documentation>Health insurance business membership is the hospital treatment SEUs as at the relevant date for each health benefits fund. The applicable options are:
as at the current reporting date;
one year prior to the reporting date;
two years prior to the reporting date; and
three years prior to the reporting date.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIHealthInsuranceBusinessMembershipReportingPeriod"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHISingleEquivalentUnitsFundCount"><xs:annotation><xs:documentation>This is the value, at the health insurance business membership reporting period, of the SEUs for the health benefits fund.
The value of SEUs should be consistent with that calculated from the relevant HRS 601 return.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="Integer_x0020__x0028_14_x0029_"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHISingleEquivalentUnitsTransferorFundsCount"><xs:annotation><xs:documentation>This is the value, at the health insurance business membership reporting period, of the SEUs for all health benefits funds which have since transferred into the health benefits fund.
That is, where another health benefits fund/s has been transferred into this health benefits fund, the Single Equivalent Units (transferor funds) count is the total SEUs from all transferor health benefits funds at the relevant period. This may include from before the transfer took place.
For example, where fund A has been transferred into the reporting health benefits fund by the end of the reporting period, the SEUs of fund A should be reported for previous health insurance business membership reporting periods.
For periods after the transfer has occurred, the value for the transferor/s Single Equivalent Units (transferor funds) count is to be reported as zero.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="Integer_x0020__x0028_14_x0029_"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute default="list" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_3"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_3_x005F_x002E_01"><xs:complexType><xs:sequence minOccurs="0" maxOccurs="unbounded"><xs:element minOccurs="1" maxOccurs="1" name="HRS_115_0_Table_3_x005F_x002E_01_x0020_Repeat_x0020_Group"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundType"><xs:annotation><xs:documentation>This is the type of private health insurer fund</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PrivateHealthInsurerFundType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundName"><xs:annotation><xs:documentation>This means Private Health Insurer Fund Name</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIPrivateHealthInsurerBusinessType"><xs:annotation><xs:documentation>This means the Private Health Insurer Business Type</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIPrivateHealthInsurerBusinessType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIClaimsComponentOCLAmount"><xs:annotation><xs:documentation>This is the value, as at the relevant date, of the claims component of the central estimate of OCL, determined in accordance with HPS 340. This includes claims payable for:
claims that have been reported, but are not yet settled at balance date;
claims that have been incurred, but not yet reported; and
claims that have been administratively settled, but which may be reopened.
This should not include any other unpaid amounts which are certain, including those that have been settled but not paid. These amounts are to be reported separately.
This is to be reported gross of any recoveries and discounting, which are reported separately.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIClaimsHandlingExpensesOCLAmount"><xs:annotation><xs:documentation>This is the value, as at the relevant date, of the claims handling expenses associated with those claims included within the central estimate of OCL, determined in accordance with HPS 340. This item is to be reported gross of any discounting, as all discounting is to be reported in discount on OCL amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIRiskEqualisationComponentOCLAmount"><xs:annotation><xs:documentation>This is the value, as at the relevant date, of any amount estimated to be payable or receivable under the Risk Equalisation Special Account arising from claims incurred and included within the central estimate of OCL determined in accordance with HPS 340. This item is to be reported gross of any discounting, as all discounting is to be reported in discount on OCL amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHISettledButNotPaidClaimsOCLAmount"><xs:annotation><xs:documentation>This is the value, as at the relevant date, of unpaid claims amounts where the value has been determined. This includes claims that have been settled but not paid and included within the central estimate of OCL determined in accordance with HPS 340. These items should be disclosed as OCL instead of current liabilities or trade creditors. This item is to be reported gross of any discounting, as all discounting is to be reported in discount on OCL amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIReinsuranceRecoverablesOCLAmount"><xs:annotation><xs:documentation>This is the value of reinsurance recoverables, being amounts due to the health benefits fund or general fund under a reinsurance arrangement, that arise from the recognition of the central estimate of the OCL. The value must be reported net of any provisions for doubtful debts and in accordance with HPS 340. This item is to be reported gross of any discounting, as all discounting is to be reported in discount on OCL amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHINonReinsuranceRecoveriesOCLAmount"><xs:annotation><xs:documentation>This includes the value of recoveries under arrangements, other than reinsurance and risk equalisation arrangements, receivable by the health benefits fund or general fund associated with the OCL, net of any provisions for depreciation or impairment. It is determined in accordance with HPS 340. This item is to be reported gross of any discounting, as all discounting is to be reported in discount on OCL amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIDiscountOnOutstandingClaimsLiabilityAmount"><xs:annotation><xs:documentation>This is the value of discounting on the HPS 340 outstanding claims liability. This includes the impact of discounting on the net actuarial central estimate of outstanding claims.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIRiskMarginAt75thPOAOCLAmount"><xs:annotation><xs:documentation>This is the value, as at the relevant date, of the risk margin component of OCL, net of recoveries, determined in accordance with HPS 340. The risk margin is that which has been applied to the Outstanding Claims Liabilities for HIB and HRIB, and may include diversification across the insurance portfolio within the health benefits fund or general fund.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute default="list" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_4"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_4_x005F_x002E_01"><xs:complexType><xs:sequence minOccurs="0" maxOccurs="unbounded"><xs:element minOccurs="1" maxOccurs="1" name="HRS_115_0_Table_4_x005F_x002E_01_x0020_Repeat_x0020_Group"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundType"><xs:annotation><xs:documentation>This is the type of private health insurer fund</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PrivateHealthInsurerFundType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundName"><xs:annotation><xs:documentation>This means Private Health Insurer Fund Name</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIPrivateHealthInsurerBusinessType"><xs:annotation><xs:documentation>This means the Private Health Insurer Business Type</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIPrivateHealthInsurerBusinessType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIClaimsComponentPLAmount"><xs:annotation><xs:documentation>This is the value, as at the relevant date, of the claims component of the central estimate of PL, determined in accordance with HPS 340.
This is to be reported gross of any Risk Equalisation or reinsurance recoveries and discounting, which are reported separately.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIClaimsHandlingExpensesPLAmount"><xs:annotation><xs:documentation>This is the value, as at the relevant date, of the claims handling expenses associated with those claims included within the central estimate of PL, determined in accordance with HPS 340. This item is to be reported gross of any discounting, as all discounting is to be reported in discount on PL amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIPolicyAdministrationExpensesPLAmount"><xs:annotation><xs:documentation>This is the value, as at the relevant date, of the policy administration expenses associated with those claims included within the central estimate of PL determined in accordance with HPS 340. This item is to be reported gross of any discounting, as all discounting is to be reported in discount on PL amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIRiskEqualisationComponentPLAmount"><xs:annotation><xs:documentation>This is the value, as at the relevant date, of any amount estimated to be payable or receivable under the Risk Equalisation Special Account arising from claims included within the central estimate of PL determined in accordance with HPS 340. This item is to be reported gross of any discounting, as all discounting is to be reported in discount on PL amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIExpectedReinsuranceRecoveriesPLAmount"><xs:annotation><xs:documentation>This is the value of expected reinsurance recoveries receivable by the health benefits fund or general fund associated with the PL, gross of any provisions for depreciation or impairment. It is determined in accordance with HPS 340. This item is to be reported gross of any discounting, as all discounting is to be reported in discount on PL amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHINonReinsuranceRecoveriesPLAmount"><xs:annotation><xs:documentation>This includes the value of recoveries under arrangements, other than reinsurance arrangements, receivable by the health benefits fund or general fund associated with the PL, gross of any provisions for depreciation or impairment. It is determined in accordance with HPS 340. This item is to be reported gross of any discounting, as all discounting is to be reported in discount on PL amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIDiscountOnPremiumsLiabilitiesAmount"><xs:annotation><xs:documentation>This is the value of discounting on the HPS 340 premium liability.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIRiskMarginAt75thPOAPLAmount"><xs:annotation><xs:documentation>This is the value, as at the relevant date, of the risk margin component of PL, net of recoveries, determined in accordance with HPS 340. The risk margin is that which has been applied to the Premium Liabilities for HIB and HRIB, and may include diversification across the insurance portfolio within the health benefits fund or general fund.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute default="list" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_5"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_5_x005F_x002E_01"><xs:complexType><xs:sequence minOccurs="0" maxOccurs="unbounded"><xs:element minOccurs="1" maxOccurs="1" name="HRS_115_0_Table_5_x005F_x002E_01_x0020_Repeat_x0020_Group"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundType"><xs:annotation><xs:documentation>This is the type of private health insurer fund</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PrivateHealthInsurerFundType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundName"><xs:annotation><xs:documentation>This means Private Health Insurer Fund Name</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIUnbilledCalculatedDeficitAmount"><xs:annotation><xs:documentation>Unbilled calculated deficit means the central estimate of the total amount that would have been payable by the insurer should each SEU been entitled to the average amount as defined in rule 11(1)(e) of the Private Health Insurance (Risk Equalisation Policy) Rules 2015 or its replacement, and under the following conditions:
over the period up to the reporting date;
where the risk equalisation levy has accrued but has not yet been paid; and
where an invoice, notice or receipt from APRA has not yet been received by the private health insurer, for that period.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIUnbilledGrossDeficitAmount"><xs:annotation><xs:documentation>Unbilled gross deficit means the sum of the eligible benefits notionally allocated to the aged-based pool and the high cost claimants pool, calculated for each risk equalisation jurisdiction, in accordance with Part 2, rule 11(1)(a) of the Private Health Insurance (Risk Equalisation Policy) Rules 2015 and under the following conditions:
over the period up to the reporting date;
where the risk equalisation levy has accrued but has not yet been paid; and
where an invoice, notice or receipt from APRA has not yet been received by the private health insurer, for that period.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIBilledRiskEqualisationSpecialAccountLiabilityAmount"><xs:annotation><xs:documentation>Billed Risk Equalisation Special Account liability amount means the amount of Risk Equalisation Special Account payments, on the relevant day, for which an invoice from the APRA has been received by the insurer but that have not yet been paid by the insurer.
Risk Equalisation Special Account has the same meaning as in the Act.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIRiskMarginAt75thPOARiskEqualisationTransfersAmount"><xs:annotation><xs:documentation>This is the value, as at the relevant date, of the risk margin component of risk equalisation transfers, determined in accordance with HPS 340.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute default="list" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_6"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_6_x005F_x002E_01"><xs:complexType><xs:sequence minOccurs="0" maxOccurs="unbounded"><xs:element minOccurs="1" maxOccurs="1" name="HRS_115_0_Table_6_x005F_x002E_01_x0020_Repeat_x0020_Group"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundType"><xs:annotation><xs:documentation>This is the type of private health insurer fund</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PrivateHealthInsurerFundType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundName"><xs:annotation><xs:documentation>This means Private Health Insurer Fund Name</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIPrivateHealthInsurerBusinessType"><xs:annotation><xs:documentation>This means the Private Health Insurer Business Type</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIPrivateHealthInsurerBusinessType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIIndividualOtherInsuranceLiabilityDescription"><xs:annotation><xs:documentation>This is the name of the each other insurance liability as defined by HPS340. This name will be used to identify the liability and should reflect its nature and the reason the liability has arisen.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIIndividualOtherInsuranceLiabilityAt75thPOAAmount"><xs:annotation><xs:documentation>This is the value of each other insurance liability, as defined by HPS340.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIIndividualOtherInsuranceLiabilityAt995thPOAAmount"><xs:annotation><xs:documentation>This is the value of each other insurance liability, as defined by HPS340, valued at a 99.5 per cent level of sufficiency, in accordance with HPS 115.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute default="list" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_7"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_7_x005F_x002E_01"><xs:complexType><xs:sequence minOccurs="0" maxOccurs="unbounded"><xs:element minOccurs="1" maxOccurs="1" name="HRS_115_0_Table_7_x005F_x002E_01_x0020_Repeat_x0020_Group"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundType"><xs:annotation><xs:documentation>This is the type of private health insurer fund</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PrivateHealthInsurerFundType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundName"><xs:annotation><xs:documentation>This means Private Health Insurer Fund Name</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIClassOfBusiness"><xs:annotation><xs:documentation>This means the Class of Business.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIClassOfBusiness"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIFutureExposureRiskChargePeriod"><xs:annotation><xs:documentation>This is the month of the forecast period, and ranges from the month following the reporting date to the month concluding on the 12th month following the reporting date.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIFutureExposureRiskChargePeriod"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHISingleEquivalentUnitsCECount"><xs:annotation><xs:documentation>This is the central estimate forecast of Single Equivalent Units for that month.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="Integer_x0020__x0028_14_x0029_"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIAccruedPremiumCEAmount"><xs:annotation><xs:documentation>This is the central estimate (CE) forecast of accrued premium for that month.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIClaimsIncurredCEAmount"><xs:annotation><xs:documentation>This is the central estimate forecast of claims incurred for that month.
For general treatment and health-related insurance business, this item is also equal to benefits incurred (CE) amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIGrossDeficitCEAmount"><xs:annotation><xs:documentation>This is the central estimate forecast of gross deficit for that month.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHICalculatedDeficitCEAmount"><xs:annotation><xs:documentation>This is the central estimate forecast of the calculated deficit for that month. 
The calculated deficit is the total amount that is expected to be payable by the private health insurer should each single equivalent unit (SEU) be entitled to the average amount as defined in sub-rule 11(1)(e) of the Private Health Insurance (Risk Equalisation Policy) Rules 2015 or its replacement.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIStateLeviesCEAmount"><xs:annotation><xs:documentation>This is the central estimate forecast of state levies for that month.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIOtherBusinessExpensesCEAmount"><xs:annotation><xs:documentation>This is the central estimate forecast of other business expenses for that month.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute default="list" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_8"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_8_x005F_x002E_01"><xs:complexType><xs:sequence minOccurs="0" maxOccurs="unbounded"><xs:element minOccurs="1" maxOccurs="1" name="HRS_115_0_Table_8_x005F_x002E_01_x0020_Repeat_x0020_Group"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundName"><xs:annotation><xs:documentation>This means Private Health Insurer Fund Name</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIClassOfBusiness"><xs:annotation><xs:documentation>This means the Class of Business.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIClassOfBusiness"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIFutureExposureRiskChargePeriod"><xs:annotation><xs:documentation>This is the month of the forecast period, and ranges from the month following the reporting date to the month concluding on the 12th month following the reporting date.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIFutureExposureRiskChargePeriod"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHISingleEquivalentUnitsAESCount"><xs:annotation><xs:documentation>This is the value of forecast Single Equivalent Units after the Adverse Event Stress, as defined in HPS 115, for that month.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="Integer_x0020__x0028_14_x0029_"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIAccruedPremiumAESAmount"><xs:annotation><xs:documentation>This is the forecast value of accrued premium after the Adverse Event Stress (AES), as defined in HPS 115, for that month.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIClaimsIncurredAESAmount"><xs:annotation><xs:documentation>This is the forecast of claims incurred after the Adverse Event Stress, as defined in HPS 115, for that month.
For general treatment, this item is also equal to benefits incurred (AES) amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIGrossDeficitAESAmount"><xs:annotation><xs:documentation>This is the forecast of the gross deficit after the Adverse Event Stress, as defined in HPS 115, for that month.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIStateLeviesAESAmount"><xs:annotation><xs:documentation>This is the forecast of state levies after the Adverse Event Stress, as defined in HPS 115, for that month.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIOtherBusinessExpensesAESAmount"><xs:annotation><xs:documentation>This is the forecast other business expenses after the Adverse Event Stress, as defined in HPS 115, for that month.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute default="list" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_9"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_9_x005F_x002E_01"><xs:complexType><xs:sequence minOccurs="0" maxOccurs="unbounded"><xs:element minOccurs="1" maxOccurs="1" name="HRS_115_0_Table_9_x005F_x002E_01_x0020_Repeat_x0020_Group"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundType"><xs:annotation><xs:documentation>This is the type of private health insurer fund</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PrivateHealthInsurerFundType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundName"><xs:annotation><xs:documentation>This means Private Health Insurer Fund Name</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIClassOfBusiness"><xs:annotation><xs:documentation>This means the Class of Business.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIClassOfBusiness"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIFutureExposureRiskChargePeriod"><xs:annotation><xs:documentation>This is the month of the forecast period, and ranges from the month following the reporting date to the month concluding on the 12th month following the reporting date.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIFutureExposureRiskChargePeriod"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHISingleEquivalentUnitsMACount"><xs:annotation><xs:documentation>The is to be reported for months 10, 11 and 12 only. This is to be determined by adjusting Single Equivalent Units (AES) count for management actions as defined in HPS 115.
Single Equivalent Units (MA) must only reflect management actions that are appropriate and justified and comply with HPS 115. Management actions should reflect the insurer’s expectations and not be limited to the extent that these result in an insurance profit. This constraint will be applied separately in insurance profits forecast after management actions amount.
For months 1 to 9 inclusive this is a derived item and is equal to Single Equivalent Units (AES) count.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="Integer_x0020__x0028_14_x0029_"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIAccruedPremiumMAAmount"><xs:annotation><xs:documentation>The insurer is required to report this item for months 10, 11 and 12 only. For health insurance business (HIB), this is to be determined by adjusting accrued premium (AES) amount for management actions (MA), as defined in HPS 115. For health-related insurance business (HRIB), this is to be reported as the accrued premium (CE) after allowing for management actions, as defined in HPS 115.
Accrued premium (MA) must reflect management actions that are appropriate and justified and comply with HPS 115. Management actions should reflect the insurer’s expectations and not be limited to the extent that these result in insurance profits. This constraint will be applied separately in insurance profits forecast after management actions amount.
For months 1 to 9 inclusive, this is a derived item.
For HIB, this is equal to accrued premium (AES) amount. For HRIB, this is equal to accrued premium (CE) amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIClaimsIncurredMAAmount"><xs:annotation><xs:documentation>The insurer is required to report this item for months 10, 11 and 12 only. This is to be determined by adjusting the claims incurred (pre-MA) for management actions, as defined in HPS 115.
Claims incurred (MA) must only reflect management actions that are appropriate and justified and comply with HPS 115. Management actions should reflect the insurer’s expectations and not be limited to the extent that these result in an insurance profit. This constraint will be applied separately in insurance profits forecast after management actions amount.
For months 1 to 9 inclusive, this is a derived item and is equal to claims incurred (pre-MA) amount.
For general treatment and health-related insurance business, this item is equal to benefits incurred (MA) amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIGrossDeficitMAAmount"><xs:annotation><xs:documentation>The insurer is required to report this item for months 10, 11 and 12 only. This is to be determined by adjusting the gross deficit (pre-MA) for management actions as defined in HPS 115.
Gross deficit (MA) must only reflect management actions that are appropriate and justified and comply with HPS 115. Management actions should reflect the insurer’s expectations and not be limited to the extent that these result in an insurance profit. This constraint will be applied separately in insurance profits forecast after management actions amount.
For months 1 to 9 inclusive this is a derived item and is equal to gross deficit (pre-MA) amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIStateLeviesMAAmount"><xs:annotation><xs:documentation>The insurer is required to report this item for months 10, 11 and 12 only. This is to be determined by adjusting the state levies amount for management actions as defined in HPS 115.
State levies (MA) amount must only reflect management actions that are appropriate and justified and comply with HPS 115. Management actions should reflect the insurer’s expectations and not be limited to the extent that these result in an insurance profit. This constraint will be applied separately in insurance profits forecast after management actions amount.
For months 1 to 9 inclusive this is a derived item and is equal to state levies (pre-MA) amount.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIOtherBusinessExpensesMAAmount"><xs:annotation><xs:documentation>The insurer is required to report this item for months 10, 11 and 12 only. This is to be determined by adjusting other business expenses (pre-MA) amount for management Actions as defined in HPS 115.
Other business expenses (MA) must only reflect management actions that are appropriate and justified and comply with HPS 115. Management actions should reflect the insurer’s expectations and not be limited to the extent that these result in an insurance profit. This constraint will be applied separately in insurance profits forecast after management actions amount. 
For months 1 to 9 inclusive, this is a derived item and is equal to other business expenses (pre-MA) amount. 
</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute default="list" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_10"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_10_x005F_x002E_01"><xs:complexType><xs:sequence minOccurs="0" maxOccurs="unbounded"><xs:element minOccurs="1" maxOccurs="1" name="HRS_115_0_Table_10_x005F_x002E_01_x0020_Repeat_x0020_Group"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundType"><xs:annotation><xs:documentation>This is the type of private health insurer fund</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PrivateHealthInsurerFundType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundName"><xs:annotation><xs:documentation>This means Private Health Insurer Fund Name</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIPrivateHealthInsurerBusinessType"><xs:annotation><xs:documentation>This means the Private Health Insurer Business Type</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIPrivateHealthInsurerBusinessType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIInsuranceProfitsForecastAfterManagementActionsAmount"><xs:annotation><xs:documentation>This is the private health insurer’s estimate of insurance profits forecast after management actions amount. This will be deducted from the sum of net margin (MA) amount. This reflects the constraint outlined in HPS 115, that any insurance profits forecast after management actions cannot offset prior losses.
The insurance profit offset to be reported is to be determined as:
Maximum of (A, 0)
Where:
A = The sum of net margin (MA) amount for the months including and after management actions take effect.
Insurance profits forecast after management actions amount is to be reported separately for HIB and HRIB.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIDiscountOnFutureExposureRiskChargeAmount"><xs:annotation><xs:documentation>This is the value of discounting the future cashflows associated with the future exposure risk charge.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute default="list" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_11"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="HRS_115_0_Table_11_x005F_x002E_01"><xs:complexType><xs:sequence minOccurs="0" maxOccurs="unbounded"><xs:element minOccurs="1" maxOccurs="1" name="HRS_115_0_Table_11_x005F_x002E_01_x0020_Repeat_x0020_Group"><xs:complexType><xs:all><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundType"><xs:annotation><xs:documentation>This is the type of private health insurer fund</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PrivateHealthInsurerFundType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PrivateHealthInsurerFundName"><xs:annotation><xs:documentation>This means Private Health Insurer Fund Name</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="TEXT"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIPrivateHealthInsurerBusinessType"><xs:annotation><xs:documentation>This means the Private Health Insurer Business Type</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="PHIPrivateHealthInsurerBusinessType"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIDCLAt75thPOAAmount"><xs:annotation><xs:documentation>This is the value of claims deferred due to COVID - 19 related disruptions or other circumstances as defined by APRA. This is calculated at the 75 percent probability of adequacy (POA), as at the relevant date, determined in accordance with HPS 340.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIDCLAt995thPOAAmount"><xs:annotation><xs:documentation>This is the value of claims deferred due to COVID - 19 related disruptions or other circumstances as defined by APRA. This is calculated at the 99.5 percent probability of adequacy (POA), as at the relevant date, determined in accordance with HPS 340.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element><xs:element minOccurs="0" maxOccurs="1" name="PHIDCLAggregationBenefit"><xs:annotation><xs:documentation>The DCL aggregation benefit makes an explicit allowance for diversification between the DCL and all other components of insurance risks, as defined in HPS 115 at the 99.5 percent probability of adequacy.</xs:documentation></xs:annotation><xs:complexType><xs:complexContent mixed="false"><xs:extension base="MONETARY"><xs:attribute default="item" name="type" /></xs:extension></xs:complexContent></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute default="list" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:all><xs:attribute default="group" name="type" /></xs:complexType></xs:element></xs:sequence><xs:attribute fixed="schema" name="type" use="required" /><xs:attribute default="10" name="versionNumber" use="optional" /><xs:attribute fixed="cd89543c-6757-4728-9eaf-700ebd737204" name="guid" use="required" /><xs:attribute default="2" name="ExplanationForWarningsRequired" type="xs:string" use="optional" /><xs:attribute default="true" name="PersistAllCalculatedValues" type="xs:boolean" use="optional" /><xs:attribute default="true" name="UseStaticCalculatedValues" type="xs:boolean" use="optional" /><xs:attribute default="On" name="StandardXmlNamingRestrictions" type="xs:string" use="optional" /><xs:attribute default="0" name="GenerateXsd" type="xs:string" use="optional" /><xs:attribute default="HRS 115.0 - HoleRestrictionsFile.xlsx" name="HolesConstraintFile" type="xs:string" use="optional" /></xs:complexType></xs:element></xs:schema>