I’m sure some of our Victoria readers will be all over this (hello, Austman!).
In the meantime, you have posted the same question twice in different posts (one now deleted) and named your insurer (now edited out). Either of these breaches of of rules would be a very efficent way of getting your question bumped off the site completely.
I really wish newcomers to the site would just read the rules before they start posting. It’s a small ask for providing free advice.