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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.
F1 student insurance requirements should be carefully reviewed to make sure you buy proper health insurance for F1 students in the USA.
Some schools offer a school-sponsored group health insurance plan, but allow international students to purchase a comparable plan that is an alternative to the insurance they offer. F1 student insurance must meet the minimum requirements, as set by their "waiver form".
However, many schools require some basic and common benefits, which are listed below:
Policy maximum is the maximum amount that the insurance company will pay in case the student was to fall sick or get injured. This can vary from $50,000 to an unlimited amount. Many schools require the policy maximum to be in the range of $200,000 to $500,000.
Deductible is the amount that you would have to pay before the insurance company pays anything. In order to avoid high out-of-pocket expenses, many schools require the deductible to be low, ranging from $0 to $500.
After you pay the deductible, the insurance company pays a certain percentage up to a specific amount, such as 80%, and then typically pays 100% up to the policy maximum. Many schools require students to buy insurance that covers at least 80%.
Pre-existing conditions are medical conditions that exist before the effective date of the policy. Many schools require that pre-existing conditions be covered. Some require no waiting period, but most schools are fine with either a six- or twelve-month waiting period.
Many schools require that international student insurance provide coverage for maternity. Most schools don't have a specific coverage limit, but the insurance should provide coverage at a high coinsurance (80% or more within the PPO network) for prenatal, delivery, and postnatal care.
Many schools require that international student insurance be purchased from a U.S.-based company that has a U.S. claim payment office, a U.S. phone number, and that the plan documents are available in English.
Most schools require that international student medical insurance must be with an insurance company that has an A.M. best rating of A- or above.
Many international students cannot cope with the immense pressure of higher studies in the U.S., along with dealing with an unfamiliar foreign land. It is possible for them to get depressed or develop other mental health issues. Therefore, many schools require that international student insurance provide mental health coverage. They may require both inpatient and outpatient coverage, or just one of them. The exact limits of the coverage may vary by the school, and it may either be a set dollar amount or percentage per visit.
Many schools require that prescription drugs be covered by international student health insurance, including birth control pills.
As U.S. Department of State has specified the minimum insurance requirements for J visa holders, many schools include some of those requirements for F visa holders as well:
The insurance must cover emergency medical evacuation of at least $50,000. Emergency medical evacuation is the transportation to the nearest place where adequate care can be given.
Insurance must cover return of mortal remains of at least $25,000. This benefit covers the cost of sending the body or the remains back of the deceased back to the home country in the case that the student were to pass away while in the U.S.
Some schools have requirements for both F visa students and J visa exchange visitors and scholars, simply to make it easier for them. Some schools base most of their F visa insurance requirements on J visa insurance requirements, but make slight changes, such as increasing the policy maximum from $100,000 per incident to $200,000 per incident.
Many schools require that the international student medical insurance you purchase have participating providers in the local area where the school is located. Most insurance plans we offer have a nationwide PPO network that has adequate providers in most parts of the U.S. In any case, you can look up the provider list on this website for respective insurance plans to see participating providers in your local area before purchasing.
Of course, the exact requirements will vary from school to school, and many schools frequently change their requirements. Therefore, it is not practical for us to maintain a database of which student insurance plans meet the requirements of a certain school, as they become outdated very quickly.
The best way would be to contact us and provide your school's international student insurance requirements in the form of a "waiver form". Based on that, we can recommend plans that meet those requirements and help you select the most suitable plan for your needs. Please do not send us the policy wording of your school-sponsored health insurance plan, as it is not possible to match all the features and wording of that insurance plan and provide you an identical one. We must go by the information listed on the waiver form, also called compliance form or alternate insurance approval form.
In any case, if the school requires that you must purchase PPACA (Obamacare) compliant health insurance, we are unable to help.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
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Buy U.S. based visitors insurance and enjoy your trip.
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Purchase travel medical insurance that includes emergency medical evacuation.
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Make an instant purchase online and get instant visa letter.
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Purchase annual multi trip travel insurance for your travels.
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Purchase international student health insurance that meets most school requirements.
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