Please, I have not come across an answer yet to whether someone who is required to hold CSI, is also required to make use of it, instead of NHS services.
Our situation is as following: I am an EEA national PhD student. I have been on a 2-year Master's degree before, but without CSI (only NHS registration). My wife is a non-EEA national who will accompany me. She has successfully applied for an EEA family permit using her German EHIC (which we hold at the moment, but want to cancel as soon as possible). Now she wants to apply for EEA2 once in the UK, and furthermore comply with the regulations for EEA4 such that this option remains open.
I understand that we both need to show that we are holders of CSI when she applies for EEA2, and for a future EEA4 need to have had CSI for all times I am in the UK as a student under treaty rights. On the other hand, we will be entitled to NHS treatment at the same time.
Now: is all this about holding CSI, or also about using it? The point being that, whenever in the future we may need to use medical services (GP visits, hospitalisation, surgery,...) does the HO/UKBA expect you to show (say, when applying for EEA4) that you have used your CSI instead of being treated by the NHS?
If this is just about holding a document regardless of actual use, then of course the smart thing is to get the cheapest CSI that is still acceptable to the HO (any pointers?). Otherwise, the details of the policy (coverage, deductible) begin to matter
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