If your insurance expires before your visa, you've not met the visa requirements and you will be on overstay from that time on. Suggest you make appropriate adjustments. To don't want overstay on your record.
Go to the bank prepared. Have copies of all needed documents neatly in a folder. Residence certificate, passport pages, 1yr lease agreement, etc. Dress somewhat professionally and be respectful. Your goal is to make THEIR job as easy as possible.