1 00:00:03,410 --> 00:00:05,970 Sean Aylmer: Welcome to the Fear and Greed Daily Interview. I'm Sean 2 00:00:05,990 --> 00:00:08,910 Sean Aylmer: Aylmer. There's been a real focus on health over the 3 00:00:08,910 --> 00:00:11,420 Sean Aylmer: past couple of years. The pandemic has made many of 4 00:00:11,420 --> 00:00:14,840 Sean Aylmer: us take stock of how healthy we are or not, 5 00:00:15,300 --> 00:00:17,470 Sean Aylmer: and what we need to do to improve our wellbeing. 6 00:00:17,470 --> 00:00:19,739 Sean Aylmer: But at the same time, lockdowns, the risk of COVID 7 00:00:19,739 --> 00:00:23,630 Sean Aylmer: and elective surgery cancellations, and a lot of people didn't access the 8 00:00:23,630 --> 00:00:27,810 Sean Aylmer: medical treatment they, otherwise, would have sought. Damien Mu is the CEO 9 00:00:28,480 --> 00:00:33,040 Sean Aylmer: and managing director of health insurer AIA Australia. Damien, welcome to Fear and Greed. 10 00:00:33,270 --> 00:00:35,460 Damien Mu: Hey, Sean. Yeah. Thanks for having me. Good to be here. 11 00:00:35,790 --> 00:00:38,250 Sean Aylmer: My first question, it's a little bit obvious, but I 12 00:00:38,250 --> 00:00:41,940 Sean Aylmer: don't know the answer. What exactly is health? How do 13 00:00:41,940 --> 00:00:42,510 Sean Aylmer: you define it? 14 00:00:42,840 --> 00:00:44,780 Damien Mu: Well, that's a great question, Sean, and I think there's many 15 00:00:44,780 --> 00:00:48,700 Damien Mu: interpretations and definitions out there. But the way we describe 16 00:00:48,700 --> 00:00:52,099 Damien Mu: health is both your physical and mental wellbeing and how 17 00:00:52,100 --> 00:00:54,190 Damien Mu: you can optimize that best for yourself. 18 00:00:54,370 --> 00:00:58,220 Sean Aylmer: So, Damien, what exactly is wellbeing? I suppose when I 19 00:00:58,220 --> 00:01:01,730 Sean Aylmer: think of wellbeing, I think more about mental health, although 20 00:01:01,730 --> 00:01:04,990 Sean Aylmer: I suppose it is part physical as well. How do 21 00:01:04,990 --> 00:01:06,300 Sean Aylmer: we think about wellbeing? 22 00:01:06,610 --> 00:01:08,450 Damien Mu: Yeah, I think it's a great question, and I think everyone's trying 23 00:01:09,190 --> 00:01:11,790 Damien Mu: to come up with a really common definition and interpretation. 24 00:01:11,940 --> 00:01:13,729 Damien Mu: But from our perspective it's the combination of both the 25 00:01:13,730 --> 00:01:16,420 Damien Mu: physical and mental wellbeing, and we've seen that through our 26 00:01:16,420 --> 00:01:19,220 Damien Mu: studies. We conducted the largest global study into mental health 27 00:01:19,220 --> 00:01:21,520 Damien Mu: with Quantum and about one and a half billion bits 28 00:01:21,520 --> 00:01:25,319 Damien Mu: of health data. What you saw was where people took an 29 00:01:25,319 --> 00:01:29,140 Damien Mu: average of 7, 500 steps a day versus those that took 30 00:01:29,230 --> 00:01:31,890 Damien Mu: an average of 2, 500, those that took an average 31 00:01:31,890 --> 00:01:34,149 Damien Mu: of 2, 500 were four to five times more likely 32 00:01:34,150 --> 00:01:37,480 Damien Mu: to have a mental health issue and so physical and mental 33 00:01:37,480 --> 00:01:40,620 Damien Mu: aspects go together to create that overall wellbeing. And we 34 00:01:40,620 --> 00:01:43,090 Damien Mu: know, of course, for example, if you get more sleep, 35 00:01:43,150 --> 00:01:45,550 Damien Mu: you're more likely to feel good, and then maybe go 36 00:01:45,550 --> 00:01:48,140 Damien Mu: for a walk or a run. So, they're definitely interrelated, 37 00:01:48,140 --> 00:01:49,420 Damien Mu: and we need to focus on both. 38 00:01:49,720 --> 00:01:52,840 Sean Aylmer: Okay, so sleep is an example of something that people should do 39 00:01:53,080 --> 00:01:57,330 Sean Aylmer: to improve their overall wellbeing. What other aspects should people 40 00:01:57,330 --> 00:01:59,370 Sean Aylmer: be thinking about to improve their wellbeing? 41 00:01:59,880 --> 00:02:02,480 Damien Mu: Yeah. Look, I mean, we think about it as small steps. 42 00:02:02,590 --> 00:02:05,330 Damien Mu: It's not about anything dramatic. It's just small improvements in 43 00:02:05,480 --> 00:02:11,870 Damien Mu: controllable lifestyle factors around physical inactivity, nutrition, obviously, stop smoking, 44 00:02:12,660 --> 00:02:18,169 Damien Mu: reducing excess alcohol, sugar and interaction with the environment. We 45 00:02:18,169 --> 00:02:20,649 Damien Mu: think those are really important things where people can make 46 00:02:20,650 --> 00:02:23,050 Damien Mu: some more improvements in their overall daily life. 47 00:02:23,770 --> 00:02:27,929 Sean Aylmer: Okay. Now, AIA has applied behavior or economic principles to keep 48 00:02:27,930 --> 00:02:32,600 Sean Aylmer: its members engaged with fitness, health and wellbeing, the AIA 49 00:02:32,660 --> 00:02:36,419 Sean Aylmer: Vitality digital program. Can you tell us a little bit 50 00:02:36,650 --> 00:02:37,450 Sean Aylmer: about that? 51 00:02:37,850 --> 00:02:41,430 Damien Mu: Yeah, absolutely. Vitality is the world-leading health and wellbeing program 52 00:02:41,430 --> 00:02:44,950 Damien Mu: globally with around 11 million people on the program, and it's been 53 00:02:45,110 --> 00:02:48,530 Damien Mu: in existence for nearly 30 years now. Really it's a 54 00:02:48,660 --> 00:02:52,420 Damien Mu: behavioral economics program that recognizes that there's three elements that 55 00:02:52,540 --> 00:02:54,370 Damien Mu: need to come together. You need to know your health, 56 00:02:54,370 --> 00:02:56,980 Damien Mu: so that's about education and knowledge, and then you need 57 00:02:56,980 --> 00:03:00,110 Damien Mu: to improve it. But to keep going and keep people 58 00:03:00,110 --> 00:03:02,150 Damien Mu: on the journey, you need to reward your health and 59 00:03:02,150 --> 00:03:05,070 Damien Mu: incentivize yourself. So we know health is really important. We've 60 00:03:05,070 --> 00:03:08,990 Damien Mu: had like over 1. 5 million of our members that do their health 61 00:03:08,990 --> 00:03:12,019 Damien Mu: assessment online, 50% of those went on to do their 62 00:03:12,180 --> 00:03:16,620 Damien Mu: mental wellbeing assessment. Then we provide free health checks through 63 00:03:16,669 --> 00:03:19,209 Damien Mu: the chemist partners we have around the country so that people can 64 00:03:19,210 --> 00:03:22,139 Damien Mu: really get a good knowledge base and receive lots of 65 00:03:22,139 --> 00:03:24,600 Damien Mu: points for that so they can improve their overall status, 66 00:03:24,600 --> 00:03:28,440 Damien Mu: which unlocks discounts on their premiums, but also greater rewards. 67 00:03:28,850 --> 00:03:31,590 Damien Mu: But if we know when someone has knowledge and a 68 00:03:31,590 --> 00:03:35,010 Damien Mu: plan there are barriers that we need to remove so the Improve 69 00:03:35,010 --> 00:03:37,740 Damien Mu: Your Health part is really about giving people access to 70 00:03:37,890 --> 00:03:39,730 Damien Mu: the elements that will help them improve their health. So 71 00:03:39,730 --> 00:03:44,160 Damien Mu: whether it's personal training, whether it's quit smoking programs or 72 00:03:44,710 --> 00:03:48,880 Damien Mu: nutrition access or 50% off their gym membership to reduce the 73 00:03:48,880 --> 00:03:53,309 Damien Mu: cost, we provide members 50% of their Fitness First and their Virgin memberships, 74 00:03:53,650 --> 00:03:57,280 Damien Mu: good life, or whether it's access to devices, cheaper devices. 75 00:03:57,620 --> 00:04:01,780 Damien Mu: For example, you can earn your Apple Watch free through Vitality. Not 76 00:04:01,780 --> 00:04:03,760 Damien Mu: everyone goes to the gym, especially in Australia, people like 77 00:04:03,760 --> 00:04:06,720 Damien Mu: to train outdoors so they can earn their Apple Watch free by just 78 00:04:06,720 --> 00:04:11,730 Damien Mu: doing their activity. Once, though, they actually start that journey, 79 00:04:11,830 --> 00:04:15,130 Damien Mu: what's really important, Sean, as a lot of people start 80 00:04:15,130 --> 00:04:17,660 Damien Mu: going to the gym or start taking a walk or start 81 00:04:17,660 --> 00:04:21,560 Damien Mu: something healthy in their nutrition, to keep them going, we 82 00:04:21,560 --> 00:04:23,940 Damien Mu: have the incentives and rewards. So they get their weekly active 83 00:04:23,940 --> 00:04:26,750 Damien Mu: benefit rewards for getting their points for their sleep or 84 00:04:26,750 --> 00:04:30,910 Damien Mu: nutrition or activity and there are smaller rewards at any 85 00:04:30,910 --> 00:04:33,960 Damien Mu: of our partners. Then there's the bigger ones where they 86 00:04:33,960 --> 00:04:37,880 Damien Mu: could get 50% off their flights with Virgin or 40% 87 00:04:37,880 --> 00:04:41,619 Damien Mu: of their in- dental treatments. We've seen over $3. 5 million of in- 88 00:04:41,620 --> 00:04:45,860 Damien Mu: dental treatments routine by Vitality members for getting rewarded for their health 89 00:04:45,860 --> 00:04:49,229 Damien Mu: so it's great to see and over $ 12 million of 90 00:04:49,230 --> 00:04:51,289 Damien Mu: shopping rewards in the last two years. 91 00:04:51,670 --> 00:04:55,100 Sean Aylmer: So, is this an age thing? Do you have more 50 92 00:04:55,100 --> 00:04:56,210 Sean Aylmer: year olds than 20 year olds? 93 00:04:56,480 --> 00:05:00,080 Damien Mu: So, that's a great question because we thought there'd be 94 00:05:00,080 --> 00:05:03,150 Damien Mu: a natural skewing to the younger ages given the program, 95 00:05:03,370 --> 00:05:06,210 Damien Mu: but actually it goes right across the age demographic. But 96 00:05:06,210 --> 00:05:10,150 Damien Mu: interestingly, Sean, when we introduced the Apple Watch benefit, what 97 00:05:10,150 --> 00:05:13,930 Damien Mu: we saw was an overall 35% of improvement from members' 98 00:05:14,029 --> 00:05:17,010 Damien Mu: activity from before they had the Apple Watch to after 99 00:05:17,010 --> 00:05:18,570 Damien Mu: that. So it goes to show once they had the 100 00:05:18,570 --> 00:05:20,880 Damien Mu: Apple Watch and they could track their data and have 101 00:05:20,880 --> 00:05:24,099 Damien Mu: it easily accessible, it encouraged them to improve their activity 102 00:05:24,100 --> 00:05:27,600 Damien Mu: by 35%. Now in the ages of 50 and above 103 00:05:27,960 --> 00:05:28,760 Damien Mu: that improved by 50% so it's really- 104 00:05:28,800 --> 00:05:32,940 Sean Aylmer: Okay. Damien, you have to be very careful here, right, 105 00:05:32,940 --> 00:05:34,920 Sean Aylmer: because you are talking about me, who got an Apple 106 00:05:34,920 --> 00:05:38,700 Sean Aylmer: Watch for Christmas in that age group, it just keeps 107 00:05:38,700 --> 00:05:42,290 Sean Aylmer: buzzing at me. It makes me do stuff. I just 108 00:05:42,290 --> 00:05:44,170 Sean Aylmer: want to sit and relax. Won't allow me. 109 00:05:44,610 --> 00:05:47,710 Damien Mu: Well, Sean, I mean, that's about making sure that we 110 00:05:48,140 --> 00:05:49,859 Damien Mu: are not letting it control us, but it's given us 111 00:05:49,860 --> 00:05:53,920 Damien Mu: those gentle nudges and I think it really highlights to 112 00:05:54,000 --> 00:05:58,810 Damien Mu: financial services and insurers people want to be healthier, and 113 00:05:58,810 --> 00:06:02,330 Damien Mu: it's really about coupling the proposition with a great user 114 00:06:02,330 --> 00:06:04,760 Damien Mu: experience. And, of course, Apple are the best at it, 115 00:06:04,760 --> 00:06:07,710 Damien Mu: right, in terms of making things easy. So by partnering 116 00:06:07,710 --> 00:06:10,339 Damien Mu: together with Apple, we're able to give them access to 117 00:06:10,860 --> 00:06:14,360 Damien Mu: a world leading science- backed program, but enable it easily 118 00:06:14,360 --> 00:06:18,110 Damien Mu: through a user experience that it's there when they need it. But, yes, you 119 00:06:18,110 --> 00:06:20,029 Damien Mu: do want to tell the Apple Watch to be quiet sometimes. 120 00:06:20,560 --> 00:06:22,589 Sean Aylmer: Sometimes. Stay with me, Damien, and we'll be back in 121 00:06:22,589 --> 00:06:30,010 Sean Aylmer: a minute. My guest this morning is Damien Mu, CEO 122 00:06:30,010 --> 00:06:33,190 Sean Aylmer: and managing director of health insurer AIA Australia. All of 123 00:06:34,290 --> 00:06:37,160 Sean Aylmer: this, of course, makes sense for individuals and financial sense 124 00:06:37,160 --> 00:06:40,930 Sean Aylmer: for individuals to be healthy, both physically and mentally. But it 125 00:06:40,930 --> 00:06:44,940 Sean Aylmer: also makes financial sense, presumably, to health insurers such as 126 00:06:44,970 --> 00:06:48,830 Sean Aylmer: AIA because the people pay premium for the healthier they 127 00:06:48,830 --> 00:06:52,150 Sean Aylmer: are, the better off for the bottom line for you, AIA. 128 00:06:52,970 --> 00:06:55,390 Damien Mu: Yeah, absolutely, and this is a shared value program, right? 129 00:06:55,390 --> 00:06:58,690 Damien Mu: So what we identify as what shared value is to 130 00:06:58,690 --> 00:07:00,560 Damien Mu: us is how does what we do as a business 131 00:07:00,560 --> 00:07:03,180 Damien Mu: intersect to help solve a societal issue? One of the 132 00:07:03,490 --> 00:07:06,300 Damien Mu: issues in Australia and around the globe, but folks in 133 00:07:06,300 --> 00:07:09,630 Damien Mu: Australia, is the growing incidence of health issues. So if 134 00:07:09,630 --> 00:07:12,530 Damien Mu: you look at the trends, diabetes doubled to 2008 and 135 00:07:12,530 --> 00:07:16,790 Damien Mu: then doubles again to 2018, at mental health, one in two 136 00:07:16,790 --> 00:07:19,350 Damien Mu: Australians will have a mental health issue in their life, 137 00:07:19,350 --> 00:07:23,200 Damien Mu: one in four every year so that's not going the 138 00:07:23,200 --> 00:07:27,550 Damien Mu: way we want. But our 5590 report showed that there are 139 00:07:27,550 --> 00:07:31,260 Damien Mu: five controllable lifestyle factors that I mentioned earlier, physical inactivity, 140 00:07:31,260 --> 00:07:34,280 Damien Mu: poor nutrition, smoking, excess alcohol, and our interaction with the 141 00:07:34,280 --> 00:07:37,800 Damien Mu: environment. They'll lead to five of the chronic diseases that 142 00:07:37,800 --> 00:07:41,100 Damien Mu: are responsible for 90% of this in Australia. So that's cancer, 143 00:07:41,100 --> 00:07:46,030 Damien Mu: diabetes, respiratory disease, heart disease and mental health. Now, that's 144 00:07:46,030 --> 00:07:49,260 Damien Mu: a message for hope for us, Sean, because it's 63% 145 00:07:49,530 --> 00:07:52,950 Damien Mu: worldwide, but 90% in Australia. What that's saying is that we 146 00:07:52,950 --> 00:07:55,330 Damien Mu: are quite blessed, right, because we've got clean air, good 147 00:07:55,330 --> 00:07:59,910 Damien Mu: water, great healthcare system, access to good quality foods and 148 00:08:00,040 --> 00:08:04,510 Damien Mu: education. So you couple that, and it's really, it's more 149 00:08:04,510 --> 00:08:09,070 Damien Mu: lifestyle behaviors, as opposed to access to vaccinations, access to 150 00:08:09,070 --> 00:08:11,300 Damien Mu: clean water in some parts of the world. So if 151 00:08:11,300 --> 00:08:13,930 Damien Mu: we can help people to make those small steps, we 152 00:08:13,930 --> 00:08:16,310 Damien Mu: can deliver our dream at AIA, which is to help 153 00:08:16,390 --> 00:08:18,370 Damien Mu: Australia to be the healthiest nation in the world. But 154 00:08:18,850 --> 00:08:22,550 Damien Mu: to your point specifically, Sean, I mean, so by helping 155 00:08:22,550 --> 00:08:24,780 Damien Mu: to solve this issue, what we hope to be able to 156 00:08:24,780 --> 00:08:27,810 Damien Mu: do is by providing the Vitality program, we can provide 157 00:08:27,810 --> 00:08:30,150 Damien Mu: our members a discount to their premium straight up. Because 158 00:08:30,150 --> 00:08:32,730 Damien Mu: we know that they're more likely to be healthier, less 159 00:08:32,730 --> 00:08:36,950 Damien Mu: claims and stay longer so the retention of our customers 160 00:08:36,950 --> 00:08:39,469 Damien Mu: is longer as well. What we do through those improved 161 00:08:39,830 --> 00:08:42,250 Damien Mu: outcomes is fund, as I mentioned, that program where we 162 00:08:42,250 --> 00:08:45,710 Damien Mu: can fund 50% of their gym membership, give you free health 163 00:08:45,710 --> 00:08:49,070 Damien Mu: checks across the country, create all our content for you 164 00:08:49,070 --> 00:08:51,730 Damien Mu: to get access to the tips you need and, of 165 00:08:51,730 --> 00:08:54,109 Damien Mu: course, as I mentioned, make sure we are providing discount 166 00:08:54,210 --> 00:08:57,290 Damien Mu: to the premium. So it is a shared value system 167 00:08:57,290 --> 00:09:00,610 Damien Mu: that win- win- win, right, win for customer, win for society 168 00:09:00,730 --> 00:09:03,320 Damien Mu: because it reduces the strain on the healthcare system and 169 00:09:03,320 --> 00:09:04,130 Damien Mu: economy, and a win for AIA hopefully as well. 170 00:09:06,130 --> 00:09:09,730 Sean Aylmer: Okay. What about the pandemic? How has that changed how 171 00:09:09,730 --> 00:09:13,630 Sean Aylmer: people think about their health and with lots of anecdotes, 172 00:09:13,630 --> 00:09:17,500 Sean Aylmer: at least, of mental health challenges increasing during the pandemic? Was that the 173 00:09:18,210 --> 00:09:19,849 Sean Aylmer: case? I mean, what did you see? 174 00:09:20,320 --> 00:09:23,610 Damien Mu: What we saw, Sean, was actually absolute focus as you'd imagine 175 00:09:23,610 --> 00:09:26,370 Damien Mu: when there's a pandemic for people to put a spotlight 176 00:09:26,370 --> 00:09:28,700 Damien Mu: on their own health, which is a great thing. Because, otherwise, 177 00:09:29,150 --> 00:09:31,980 Damien Mu: life can get pretty busy and overwhelming and it becomes 178 00:09:32,179 --> 00:09:34,959 Damien Mu: something we'll do tomorrow, right, put it off for tomorrow 179 00:09:34,960 --> 00:09:37,670 Damien Mu: and tomorrow really never comes on, on that focus. But 180 00:09:37,670 --> 00:09:41,040 Damien Mu: this shine a light on our health and wellbeing. What 181 00:09:41,040 --> 00:09:42,870 Damien Mu: we saw early on, Sean, was when we did the 182 00:09:42,870 --> 00:09:46,540 Damien Mu: survey with people is, initially, the levels of anxiety and 183 00:09:46,540 --> 00:09:51,130 Damien Mu: stress had increased dramatically, and it was different for everyone. 184 00:09:51,270 --> 00:09:54,520 Damien Mu: Anxiety for those that were feeling isolated because they were 185 00:09:54,530 --> 00:09:58,080 Damien Mu: living on their own and in the lockdown. Then there 186 00:09:58,080 --> 00:10:01,550 Damien Mu: was the anxiety that came with homeschooling and trying to 187 00:10:01,550 --> 00:10:05,300 Damien Mu: work from home and being stuck with the family and the 188 00:10:05,300 --> 00:10:09,550 Damien Mu: levels of stress also increased. What we did, though, see around some 189 00:10:09,550 --> 00:10:12,900 Damien Mu: of the other things was that quickly changed to people 190 00:10:12,900 --> 00:10:16,150 Damien Mu: engaging with different services from their health and life insurance 191 00:10:16,150 --> 00:10:19,860 Damien Mu: like AIA who had it, which was our content around 192 00:10:19,870 --> 00:10:24,500 Damien Mu: AIA Wellbeing Toolkit where people could Zoom in and work 193 00:10:24,500 --> 00:10:26,760 Damien Mu: out with one of our ambassadors or do a meditation 194 00:10:26,760 --> 00:10:30,030 Damien Mu: with one of our ambassadors, do some healthy cooking and eating. Actually, 195 00:10:30,030 --> 00:10:32,550 Damien Mu: one of the stats was we saw people's diet improved 196 00:10:32,550 --> 00:10:35,040 Damien Mu: because they were eating less takeaway and cooking more meals 197 00:10:35,040 --> 00:10:37,929 Damien Mu: at home. Then the big silver lining was actually people 198 00:10:37,929 --> 00:10:40,459 Damien Mu: starting to get out and be amongst nature and actually 199 00:10:40,460 --> 00:10:42,870 Damien Mu: walk with their family, go for a ride with their 200 00:10:43,030 --> 00:10:44,979 Damien Mu: kids and do the little things we were all allowed to 201 00:10:44,980 --> 00:10:47,740 Damien Mu: within the regulations. So it was an interesting one, but 202 00:10:47,740 --> 00:10:50,480 Damien Mu: there's a latent issue there, Sean, that we should never 203 00:10:50,480 --> 00:10:54,429 Damien Mu: be complacent about, the mental health. There was a visible 204 00:10:54,429 --> 00:10:58,250 Damien Mu: increase in the number of people accessing services around their 205 00:10:58,250 --> 00:11:01,610 Damien Mu: mental health. The good thing is they were accessing those, but 206 00:11:01,679 --> 00:11:05,610 Damien Mu: we hope there isn't a latent increase in incidents, but 207 00:11:05,610 --> 00:11:08,760 Damien Mu: that is likely after such a long pandemic, especially those in 208 00:11:08,760 --> 00:11:13,100 Damien Mu: Victoria and others. Finally, the other one is people clearly 209 00:11:13,100 --> 00:11:15,670 Damien Mu: didn't get to access a number of the services that 210 00:11:15,670 --> 00:11:19,030 Damien Mu: they would normally do around their preventative health. We all 211 00:11:19,240 --> 00:11:23,140 Damien Mu: flipped to digital and telehealth and created programs to try 212 00:11:23,140 --> 00:11:26,020 Damien Mu: and facilitate that. But a number of people did put 213 00:11:26,020 --> 00:11:29,239 Damien Mu: off going to the doctor, getting their screening done because 214 00:11:29,240 --> 00:11:33,360 Damien Mu: of the lockdown or concerns around COVID themselves. So we 215 00:11:33,360 --> 00:11:35,650 Damien Mu: hope that people will get back to normal now, but there 216 00:11:35,820 --> 00:11:38,790 Damien Mu: could be a latent level of impact that comes from 217 00:11:39,170 --> 00:11:41,000 Damien Mu: such a situation like a pandemic. 218 00:11:41,630 --> 00:11:44,530 Sean Aylmer: Severe. Yeah, exactly. Damien, thank you for talking to Fear and Greed. 219 00:11:44,910 --> 00:11:46,220 Damien Mu: No problem. Thanks for having me. 220 00:11:46,730 --> 00:11:49,199 Sean Aylmer: That was Damien Mu, CEO and managing director of health 221 00:11:49,200 --> 00:11:53,230 Sean Aylmer: insurer AIA Australia. This is the Fear and Greed Daily Interview. 222 00:11:53,230 --> 00:11:55,250 Sean Aylmer: Join me every morning for the full Fear and Greed 223 00:11:55,250 --> 00:11:57,670 Sean Aylmer: Podcast with all the business news you need to know. 224 00:11:57,990 --> 00:11:59,500 Sean Aylmer: I'm Sean Aylmer. Enjoy your day.