Have found this "Insurance refund" sent to my PO Box in VIC when I was traveling in NT.
The policy I had at the time was not covering me when I was traveling and 'living' interstate, so I attempted to get it to work for me, but the Company would not cover me and reimbursed the $$ I had left in the contract when I told them I was not returning to Victoria.
Moral of the story is: check your insurance, see if your covered when traveling for prolonged periods of time :'(