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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.
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Every fall, around 100,000 international students come to the United States in pursuit of higher education. As the cost of health care is extremely high in the U.S., most schools require that their students carry sufficient international student insurance.
While shopping for international student insurance, it is important to consider the following tips:
Although some international student insurance plans offer highly attractive overall policy maximums and a low price, be very careful. They probably have severe sub-limits that are significantly lower than the actual cost of healthcare in the U.S., meaning you could have a very high out of pocket expense.
E.g., if you are covered for $1,000 per day for hospitalization and the actual cost is $2,000 per day (not uncommon), you will have to pay $1,000 per day out of your own pocket! Oftentimes, hospital stays may even be significantly higher than that.
If you are covered for $3,000 for a surgery that costs $40,000, you will have to come up with $37,000.
In addition, there may be other limitations to those plans, such as the number of days for which treatment or prescriptions may be covered. It is very important to educate yourself and select a plan that fits your specific needs AND your school's minimum requirements.
Normally, coinsurance is designed to limit your out of pocket expenses.
E.g., A good insurance plan may have a coinsurance similar to the following: After the deductible is met, the plan pays 80% up to $5,000, and then 100% to the policy maximum of $250,000.
In this example, even if the expenses are $100,000, you will only pay the deductible plus $1,000 (20% of the $5000).
However, if the coinsurance is like the following, your expenses could potentially be much higher:
After the deductible is met, the plan pays 100% up to $30,000, and then 80% to the policy maximum of $250,000.
In this example, with the expenses still at $100,000, after the deductible you would be responsible for 20% of $70,000 or $14,000.
Therefore, it is extremely important to review the coinsurance very carefully and know what you're getting.
There are many international student insurance plans available in the U.S. market and not all are created the same.
Be sure to compare international student insurance plans to ensure that the one you purchase is the plan most suitable to your needs and your school's requirements.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
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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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