Medibank Negatives.

1-low barriers to entry many players emerging in health insurance mkt = margin erosion
2-price restrain premium increases regulated by govt
3- future takeover need accc or firb approval
4- grow reveune only by ongoing cost cutting,put up premiums which is bad for retaining business or buying other health
ins like business-costly
5-applications may be cut back
6-george sav ex sip
7-pure health ins business product offering to mbrs not diverse rev stream mainly ins premiums
8-yield under pressure due to above plus when economy downturn customers shop around, potential for loss of business revenue to competitors with cheaper insurance offering more than just health insurance eg. aust unity