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Old 13.12.2014, 18:36
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Health Insurance - first 3 months...once again

Keeping in mind how much questions have been already stated here about, I need to start the new topic, to get the final question.

case:
I have came in August. At the beginning obviously I ve managed all the things with registration and started to look for health insurance. Meanwhile I ve of course got a letter wich had remind me about this obligation etc.
From the very beginning, I have had valid EHIC card.
In October I chose the insurance, applied for it with a coverage starting from 1st of November (so exactly after 3 months).

Here come the question - what with 3 first months (August, September, October)? Answer seems to be obvious, as it has been thousand times stated - the insurance is backdated and I should pay for 3 months as well.

...but...

(and here comes the real questions

- where exactly it is stated (I mean some legal statements whch said, that I am supposed to pay back for the insurance which covers me (according to the agreement which I have personally signed) from 1st November)
- on the forum I have already read some stories where it is mentioned "someone suggested me not to pay those backdated part" etc. are there any success-stories on that?
- does EHIC card makes here any difference?
- (the best part) what if my insurance company has issued for me backdated-bill only for October (so 1 month back, not 3), should I stand up and say that I will pay for all 3 months?
- any ideas why they did so?
- what if I will not pay the backdated part of the bill? any user-stories on that?

Thank you very much in advance for any help with this case and any input!
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