Tim Tez

Yeah.

So, um,

I think you're right.

I think the point you were getting at earlier is weighing up the cost of not having it as part of your budgeting exercise.

I think that's an important tool.

I think with us at AIA Health, we've also recognised for the community that sometimes people don't feel like there's a fair value exchange between the premiums they pay and what they get back in claims.

So we've actually developed a wellbeing program with our partners called AIA Vitality that incentivises you to take healthier steps forward.

in your life.

You can't buy these points.

You only earn them by eating healthier, exercising, getting your health checks, doing your online mental health assessments, those types of things.

And you build up a points library.

And what it does is you then go through statuses.

So you'll start off with the bronze status and you could get it all the way to platinum.

And then we reward you depending on how high your status is with things like if you're on a platinum status, when people were still flying, of course,

you could get 50% back on your flights.

So we were really making health insurance.

If you were, and life insurance for that matter, if you're taking all the right things to lead healthier, longer, better life, you're leading quite a healthy lifestyle.

Or more importantly, if you're not leading a healthy lifestyle and you're making the right steps to try and lead a healthier lifestyle, we want to reward you with things that aren't necessarily linked to the health insurance, but gives you something back.

So there's always value for money.

So I think some of the wellbeing programs,