Using private health insurance instead of CSI

Hello,

I am an EEA national married to a British citizen and would like to apply for my PR card. I will be applying as a self sufficient person (bit of background - I am from a formally A8 country but did not apply for my WRS hence can only go back to 30/04/11 as years spent in the UK. I was in full time employment up until July 2014, then was on maternity leave for 1 year and quit my job in July 2015 to be a stay at home mum). I have never purchased CSI but am covered under my husband's private health insurance. I have three questions if anyone could be so kind and answer them for me:
1. How can I find out if the private health insurance is sufficient enough to be used instead of CSI?
2. I will only be able to use my 3 years of employment + 1 year of maternity leave (is that correct? Or am not allowed to include maternity leave?) as a qualified person and the last year as a self sufficient person?
3. I understand I need to provide proof of income if applying as I self sufficient person and that means providing banks statements - do I need to provide monthly banks statement, or quarterly (or annual?)?

Also, does anyone know what the processing time for PR applications is at the moment? I will be travelling in June and will have to have my passport back (and since I'm applying as a self sufficient person I can't use the passport return service).

Thanks for all your help!

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