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Contents		Page
Letter of Transmittal		iii
Figures/Tables shown in this report		vi
Acronyms and abbreviations used in this report		viii
Symbols used in this report		viii
Readers notes		1
Commissioner's Overview		3
Executive Summary		5
Part A: Regulatory Environment		8
Part B: Operations Review		23
	Industry overview	25
	Membership statistics	29
	Utilisation	43
	Benefits per service	53
	Detailed benefits review	59
	Community rating	71
	Financial statistics	78
Part C: Report on organisations' financial operations		81
Table No.
32.	Private health insurers operating	82
33.	Statement of Financial performance	84
34.	Statement of financial position	88
35.	Health related business	92
36.	Detail of contribution income and benefits, by state	94
37.	Management expenses (Revised)	110
38.	Membership statistics by organisation (Revised)	112
39.	Membership statistics by state (Revised)	114
40.	Summary of HBRTF and RETF for the four quarters	126
Legislation index		134
Glossary		144
Index		151
Contact details		153

Suite 16, Level 1, 71 Leichhardt Street, KINGSTON ACT 2604
Telephone 02 6215 7900 | Facsimile 02 6215 7977 | Email phiac@phiac.gov.au

Last modified: 23 January, 2008