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  1. Does anyone know how to make the private insurer back pay? I've been admitted to KSK, took them 6 months to decide. Now i have public insurance and need to pay KSK for last 6 months-which is quite a lot at once. So I'm trying to make my private insurance to cancel with backpay, from the date of KSK admittance. And get the money back for the last 6 months. They seem to think thats impossible. I just can't afford to pay 6 months of double insurance at the moment. Anyone had any similar experience?