BC application EHIC question

[JanisD]

Good day all!

I know there have been a few topics like this but I could not find a case that would be exactly like mine, so apologies for some degree of repetition.

I am a student form EU trying to apply for citizenship. I’ve been in the UK for 7 years and have not applied for PR as was hopping to kill two birds with one stone with citizenship application. But I found a problem, unsurprisingly with insurance. As most here I had no dealings with HO and had no idea of CSI requirements. But I did have EHIC for some of the time.
I came to the UK in 2008 and until August of 2012 I had EHIC coverage. My card expired when I already was overseas on study placement. So when I returned to the UK in September 2013 I found myself with no card. From September 2013 till February 2015 I had no EHIC and in February having read about HO requirements I took out an insurance policy with AVIVA. The placement is a mandatory requirement of my BA so technically should be counted towards 5 years, in essence upon my return in September 2013 I have been living in the UK for 5 years. However, confusingly in the form it is not working out that way, as I am required to give info about absences for the last 5 years and reasons for presence in the UK during last 6 years (meaning period from 2009/10-2015). So basically, it is working out that in the middle of my qualifying period I had 16 months without EHIC.

Sorry if I confused you I am confused myself. My question is how likely am I to pass with this EHIC gap in between? And if is unlikely is there any way around it apart from PR. Checking services said it is likely to be discretionary, meaning they have no clue as to the likelihood of this application success. I’d rather not apply for PR but I also would rather not waist 1005 quid. I am thinking of submitting my application and hope for the best, but how likely is it to work out well for me?

Also I was self employed for a month in the summer of 2014 would that help me? Do self-employed need EHIC to begin with?

Thank you for your time.

[fwd079]

Not having insurance could be a problem, perhaps qualifying for a PR card first and then for Naturalisation?
I didn't come from EEA route so would await further replies. Good luck.

[badratio]

Self-employed don't need CSI.

Were you working during that 18 month gap by any chance? You can apply as a student and worker at the same time. If you were working and can prove it than you'll be fine.