Baby not meeting milestones on time

F

I need some reassurance. My LO is a smiley, happy baby most of the time. Makes eye contact, laughs, babbles, recognizes us etc etc.

Got her 12 month development check done a while ago, and she's behind on communication and cognition. For example:

She doesn't point to objects, doesn't wave, doesn't say 2-3 words indiscriminately, doesn't appear to understand simple commands or initiate peekaboo games by herself.

The health visitor wanted to give her another 2-3 months before suggesting a pediatrician review. (We're in UK so we need to be REFERRED to a ped. 🙄) But I've been freaking out ever since.

Is there something wrong with my LO or am I just panicking over nothing?