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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.
It is essential to compare international student insurance plans and do an international student insurance review when deciding to study in the United States. There are many international student insurance coverages available for purchase, both in the U.S. and abroad.
International students already have much think about: Paying for tuition, room and board, electronics like computers or calculators, books and other supplies necessary for study, airfare, visa, and still more. Even with all of that, it is extremely important to make time to consider your international medical insurance coverage.
With healthcare expenses being so high in the U.S., it is highly recommended that everyone have medical insurance. In fact, most U.S. schools mandate that their students possess medical insurance that meets a set of minimum requirements.
However, while shopping for international student insurance, you will probably have some questions:
What is the best insurance for international students?
How much is the insurance for international students?
What are F1 visa health insurance requirements?
In truth, the answers to those questions will vary depending upon the school you're attending and your personal needs. Therefore, you should keep the following in mind when comparing international student health insurance plans:
Some schools extend their own health insurance to their students, while others allow the student to purchase their own international student insurance from a private company, provided their minimum requirements are met (often listed on the waiver form). It is extremely important to review the school requirements very carefully. You should not buy insurance that fails to meet those requirements.
If you need assistance determining which plans meet your school's requirements, please send your school's waiver form (not their school insurance policy) as well as any requirements you might have, and we will be happy to assist you in finding the most suitable plan(s) that match your needs and your school's requirements.
Apart from the school's minimum requirements, what personal requirements do you have that the international student medical insurance must meet?
While your requirements may vary, the following are the common factors that could greatly affect which plans will provide you the greatest coverage:
Analyze the plan you select carefully, making sure it meets your own requirements as well as those of your school. That will give you peace of mind and ensure you will be properly covered.
While you can purchase student medical insurance either from your home country or from the U.S., it will generally be to your benefit to purchase insurance from the United States:
While we understand that your primary focus will be registering for classes and other tasks directly related to your education, such upfront research is critical to making the right decisions to ensure that you will be properly covered in the event you become sick or are injured during your studies and stay in the U.S.
At first, some international student insurance plans may appear very attractive. They may offer high policy maximum limits (such as $500,000) at a very low cost. However, such insurance plans may have severe sub-limits that would provide very limited coverage and leave you paying the majority of the expenses out of your own pocket.
E.g., an insurance plan with a $250,000 per sickness/injury limit and a $600,000 annual maximum limit might have the following coverages:
Such limits are highly insufficient. Most U.S. hospitals will charge at least a few thousand dollars per day for hospitalization. Most surgeries will cost tens of thousands of dollars. A visit to the doctor will typically range between $150 to $300.
With such insurance policies, you would end up paying the rest yourself! Can you afford to pay $26,000 out of pocket for a $30,000 surgery?
Be sure to read not only the brief brochure, but the actual certificate wording to make sure you know what you are buying.
Note: At Insubuy, we do NOT offer international student insurance plans with such severe sub-limits. They are not in the best interest of international students. Moreover, we don't hide any details from our customers, and make all the material available upfront, so that the students can make their own educated decisions.
Instead of shopping for insurance from an agent that only offers plans from a single company, do your homework and be sure to comparison shop!
We make it easy to compare international student insurance from major U.S.-based companies and allow you to make instant, educated, secure online purchases.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreSame Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
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.
Learn More