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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.
By following the below claims submission process in international medical insurance you can get your claim processed efficiently and quickly.
International Medical Insurance works differently from a traditional domestic health insurance that many people get through their employer. It is required that you file a claim form, even if the provider billed the insurance company directly. However, that does not mean that you have to first pay and file for reimbursement.
If you are requesting the payment on behalf of someone else such as for your parents or a minor child, you can write that the payment should be made out to you. You can either write that in the claim form itself (wherever you find space) or you can enclose a separate cover letter explaining it.
All the companies do not always require these items. However, it is best to send them up front to expedite the process, just in case they need to determine the eligibility of your insurance coverage.
The insurance company will process the claim usually within 2 to 4 weeks after receiving the complete information about the claims, including medical records from the treating providers. If additional information is required, you will be informed with the explanation of benefits. You should follow the instructions carefully and arrange the documents submitted to the insurance company as soon as possible. Many claims are pending for a long time solely because the insurance company is waiting for the provider to send the medical records. If that is the case, please follow up with your provider to make sure that they send the required information as soon as possible.
Once the claim is processed, for all eligible claims, the insurance company will make the payment. If you paid up front, the insurance company will reimburse you. If the provider billed the insurance company directly, they will be paid directly. In other cases, the payment made out is the same and the possibility of the particular expense being covered is the same. In other words, whether you mail the documents or the provider mails the documents to the insurance company, the rest of the procedure is the same. It is not true that if you had to pay up front, the insurance company will find one or another excuse not to pay you.
In either case, you will get the explanation of benefits that would describe the services rendered and filed for claim, what charges were covered, what charges were not covered and why. It may also list your due amount that you should pay to the provider, if you have not already paid.
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Learn MoreHealthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreDid you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreYou are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreYou could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreThe U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreSchengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreYou don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreMost schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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