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The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
Accidental Death and Dismemberment (AD&D) Insurance is a limited form of life insurance that pays benefits in case of accidental death or dismemberment of one or more limbs. AD&D insurance is not a replacement for life insurance or disability insurance. However, AD&D insurance can be very helpful if you are traveling for a short time and you need high-limit AD&D insurance.
When you buy AD&D insurance, you will purchase a benefit amount called "principal sum". If you die in an accident, the insurance company will pay 100% of the principal sum to your beneficiary - beneficiaries can be your spouse, children, estate, or another person you choose.
The death must be caused solely by an accident and not due to other reasons, such as:
In order to claim benefits under AD&D insurance, the death or injury must be a direct result of an accident and not due to other causes. E.g., while driving a car, if you have a heart attack and that causes an accident which causes death, AD&D insurance would not pay. Commonly covered causes of death that AD&D insurance can cover include:
Some insurance plans may provide a higher benefit amount if the accident occurs while riding in a fare-paying public transport such as a flight, bus or train.
In order to claim under AD&D insurance, certain conditions apply:
Additionally, in case a family is insured under the insurance, there may be an aggregate limit that may be paid for the family - family is usually defined as parent(s) and dependent children in most insurances.
A dismemberment benefit in AD&D insurance covers the loss of an appendage and is usually defined as the complete severance of a limb or the loss of functions such as speech, eyesight or hearing. The exact details vary by the specific insurance policy. However, typically if you lose one member such as a hand, leg or an eye, you would receive 50% of the principal sum. If you lose two members, such as hands, legs or eyes, your beneficiary would receive 100% of the principal sum.
Some insurance policies may provide a smaller benefit of 25% to 50% of the principal sum for the loss of speech or hearing, coma, paralysis, or loss of the index finger and thumb of the same hand.
When you purchase AD&D insurance, make sure to leave the copy of your insurance policy behind and inform your beneficiary (such as spouse, children or other family members) about it so they can file a claim in case of an unexpected event.
As the possibility of accidental death is relatively low, you can purchase a high amount of coverage for a low cost, especially if the coverage duration is small, as would be the case when you buy the insurance for use while traveling.
Many travel medical insurance plans include some amount of AD&D insurance. However, if you would like a higher amount, you can buy standalone high-limit AD&D insurance. The amount of AD&D insurance is typically limited to 10 times your annual income.
While the AD&D insurance would pay the principal sum as the death or dismemberment benefit, it would typically not pay for funeral or burial costs; however, the beneficiary of the policy could use the funds received to cover those costs.
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Purchase travel medical insurance that includes emergency medical evacuation.
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