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.
I am going through the conditions for coverage of pre-existing conditions. The wording on this website seems to be different from the wording in the contract of the Patriot America policy. 1. On this site (https://www.insubuy.com/visitor-medical-insurance-pre-existing-conditions/) : Quote "For IMG products, pre-existing conditions in last 3 years are NOT covered". 2. In the contract (https://www.insubuy.com/patriot-america-plus/visitors-health-insurance.pdf) - "the Pre-Existing condition must have been stabilized for at least 30 days before the Effective Date"If the Applicant had a condition that first manifested 1 year ago, will an acute onset of the condition be covered under this policy?
Thank you for contacting Insubuy. In the policy certificate wording, the information we list on that page is also present under the definition of a pre-existing condition which is listed on page 31. It mentions that any condition or ailment that existed at the time of application or at anytime during the 3 years prior to the effective date are not covered under the policy. This is the definition of a pre-existing condition.
What you have mentioned under point 2 is in regards to the acute onset of pre-existing condition coverage. An acute onset of a pre-existing condition is generally defined as a sudden unexpected recurrence of a pre-existing condition that occurs suddenly, without any advance warning, is rapidly progressive, and needs immediate medical treatment within 24 hours. In the certificate wording on page 17 it list the conditions and restrictions for this coverage, and on point (f) it's mentions "the pre-existing condition must have been stabilized for at least 30 days prior to the effective date without change in treatment". So one of the conditions of a medical situation meeting that acute onset definition is that the person must be stable at least 30 days before the policy starts.
If you have additional questions regarding the acute onset of pre-existing condition benefit, please review our helpful FAQ or contact our office at +1 (866) INSUBUY 467-8289.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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