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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.
Many international students studying in the US stay for multiple years. Most of them stay for at least one-and-a-half to two years.
It is extremely important to purchase international student insurance that will cover the entire duration of the international student's stay without any gaps in coverage. To ensure there are no gaps, it is necessary to choose a renewable international student insurance plan that can cover the entire duration of stay in the US, whether the international student studies in the US for nine months or over four years.
If you buy an insurance that is not renewable, or can't be renewed for your entire duration, you will likely run into serious issues related to pre-existing conditions.
In order to understand why you should purchase a renewable international student insurance, it is very important to understand pre-existing conditions.
Pre-existing conditions are any medical conditions that existed before the effective date of the policy. The exact definition may vary slightly based on the insurance company.
After the effective date of the policy, the insured international student must wait for a specified duration (duration varies by plan) before the pre-existing conditions would be covered by their international student medical insurance plan.
A medical condition that existed within a specified duration before the effective date of the policy would be considered a pre-existing condition. The specified duration may be six months, 12 months, two years or more, depending on the plan.
The following scenarios will help you understand how renewable medical insurance is extremely advantageous:
Let's assume you purchase a non-renewable insurance plan that has a six-month waiting period and it can only be purchased for a maximum of one year.
On the other hand, if you have purchased a renewable plan with the same six-month waiting period using the same scenarios as above:
Having the ability to renew your international student health insurance plan can really make a big difference between getting extremely valuable coverage when you need it the most, not being covered properly, or having no coverage at all.
It's important to pay attention to more than just the cost of your insurance. You should understand how it will work in the future, so even if you find an insurance plan that is low-cost but can be purchased only for a short duration, it may not be the most suitable plan for you. The longer the duration of your studies, the more likely that you will develop medical conditions that could require treatment. Therefore, make sure to purchase international student insurance that is renewable and will cover you for your entire duration.
Of course, if your school offers an ACA compliant insurance plan or you are able to enroll into an ACA compliant plan, it will not exclude pre-existing conditions and it will not have a waiting period. However, such insurance plans will be a lot more expensive and will not cover important benefits such as emergency medical evacuation and repatriation of remains that are important for international students studying away from home. In that case, standalone emergency evacuation and repatriation insurance should be purchased, at least for exchange visitors to fulfill their J visa insurance 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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