The CSI requirement comes from European Directives that apply to ALLmember states.

Where does the CSI requirement come from?

Not using the NHS or paying for your own treatment when required are no substitute for a health insurance policy for PR purposes (to satisfy the CSI requirement).

There is no requirement not to have used the NHS to to have been lawfully resident during periods spent as a student or self-sufficient, nor were there any questions relating to this on the PR forms when they were being processed.

Paying for private health insurance later on does not satisfy the requirement, CSI cover must have been in place during the period spent as a student or self-sufficient person.