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I am personally 170cm and 66kg myself, I am a size 8 with a very low body fat percentage as I go to the gym 8 times a week, I used to be the exact same height (obviously) and I was 64kg but a size 12 because my body fat percentage was 21%, this is probably what your doctor means. You may need to lose body and visceral fat to lower your risk of serious disease. Off the top of my head I think a waist circumference of more then 90cm increases your risk of diabetes and heart disease.
Try some weight based training or Hiit rather than cardio, I do F45 and it has changed my life.
That seems an odd way to determine body weight. I'm 172cm and usually hover between 60-64kg, size 10-12. No way could I imagine that my healthy weight would be 72kg. Obviously everyone is different but I'd be inclined to trust yourself. Work on increasing muscle, that should help burn off the fat.
F45 - explains why you go 8 times/week ... Are you doing the challenge? Best of luck if you are!!! It’s addictive hey. I’m currently injured & miss it so much