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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.
New Zealand is a very safe and highly developed country with minimal health risks for expats moving there. If you are relocating to New Zealand for longer than 90 days, New Zealand expat health insurance becomes a necessity, as it will give you medical coverage at the most expensive, private medical facilities in the country. The New Zealand government has formulated a robust public healthcare system as well as a private one. However, if you are an expat, the rules will be different for you and your family.
The current public healthcare system in New Zealand was devised during the early 1990s. Several reforms have been introduced over the years, resulting in a mixed healthcare system including both private and public options.
Public healthcare facilities in New Zealand include free or heavily subsidized treatment in public hospitals for permanent residents. You are eligible to receive free healthcare in New Zealand if:
If you don’t meet any of these qualifications, then you will be responsible for any and all costs of medical care while in the country—which explains why an expat healthcare policy is a must-have in New Zealand.
Note that if you’re in an accident, your treatment and recuperation are covered by the Accident Compensation Corporation (ACC). ACC provides comprehensive, no-fault personal injury coverage for all New Zealand residents, as well as expats.
Access to healthcare in New Zealand for non-residents starts with registering with a GP. However, there are no restrictions on which GP an expat has to register with. To further reduce medical costs, expats can apply for Primary Health Organization (PHO) membership. This is a district-funded program that reduces consultation fees and medicine costs. Membership can take up to three months to get approved; therefore, if you are moving to New Zealand as an expat, be sure to apply for the residential PHO as soon as possible.
If you are not eligible for public medical insurance in New Zealand, get your expat health insurance from a trusted insurance provider before you arrive.
Private healthcare facilities will give you access to top-quality medical treatments, while at the same time letting you avoid long wait times. New Zealand has numerous private medical facilities, from radiology clinics to well-equipped testing labs to recuperative medical facilities to specialist hospitals.
If you’re an expat without a permanent residence permit, ensure you have comprehensive private medical coverage for a peaceful stay in New Zealand. However, in order to buy most New Zealand based private health insurance plans in New Zealand, you must be eligible for public healthcare services.
Private healthcare systems give you the freedom to decide when and where you want to be treated for health issues. You can choose the healthcare specialist or the hospital that you prefer.
There are two main types of private healthcare policies:
The New Zealand government strongly recommends that you opt for comprehensive travel insurance with health coverage. Comprehensive travel insurance can cover you for most medical costs in the New Zealand healthcare system. You can either buy travel insurance before you leave your home country or when you arrive in New Zealand. There are no pre-specifications for insurance coverage, meaning you can decide what you want to include.
Of course, for longer duration stay in New Zealand, you should consider purchasing Expat Health Insurance.
Expat health insurance in New Zealand provides:
If you are new in the country, ask your employer if they are planning on paying for your private healthcare policy. You will not be eligible for the public healthcare system until you get your permanent residency permit.
Also, more than 20% of New Zealand expatriates with private health policies have their coverage partly funded by their employers. If your pay package is more than $75,000, it is even more likely that your company will pay towards your private health coverage. Ask your employer about medical insurance coverage as soon as possible.
An expat health insurance plan for New Zealand can give you peace of mind if you have a long stay in a foreign land. It can take care of your medical needs if any emergency befalls you. Most expat health insurance covers children for free on the parent’s health policy. Therefore, buying expat health insurance is a precaution every expatriate should take.
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Learn MoreHealthcare costs are very high in the U.S.
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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Purchase new immigrant medical insurance to bridge the gap.
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Buy J visa medical insurance to meet your requirements.
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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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