The Private Health Insurance Ombudsman may investigate a complaint if:
(a) the complaint is not resolved to the complainant's satisfaction by mediation under Division 5; or
(b) the Private Health Insurance Ombudsman is not satisfied with the outcome of a referral under Subdivision C.
Note: The Private Health Insurance Ombudsman must have the complainant's agreement to act under this section and cannot continue if the complaint is withdrawn (see subsections 20J(2) and (3)).