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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.
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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.
Study abroad medical insurance is highly recommended for any student studying in another country.
Studying abroad is an exciting experience that many students look forward to doing. Considering the cost associated with studying abroad, students and their parents spend a great amount of time researching the host country, making accommodation arrangements, deciding what exactly to study, transportation to their host location, and daily life while there.
The experience of studying abroad may be one that students cherish for many years to come. However, they often overlook study abroad insurance. Some people think that nothing will happen to them, while others mistakenly assume that their domestic health insurance will cover them while abroad.
The domestic health insurance that students usually have through their parents or on their own provides excellent coverage while they are still in their home country. Prior to studying abroad, you should check with your health insurance company to confirm exactly what coverage they provide, if any, while outside your home country. From our own research, we have learned the following are the usual problems associated with domestic insurance plans:
In any case, you should continue to maintain your domestic health insurance so that you are covered immediately before and after your trip. In addition, if you need to return home for further treatment or need long-term care, your domestic health insurance will be essential while in your home country.
A comprehensive study abroad insurance plan is necessary and recommended for several reasons:
Such things cannot be completely avoided, but study abroad insurance can help pay for treatment.
Study abroad insurance provides peace of mind to the parents. An experienced insurance company is available to provide 24/7 assistance and medical, financial, and logistical support in case of a need. The student can call the 24/7 emergency department of the insurance company that has resources in place that will assist them.
Depending upon the plan, the insurance company can also help with problems such as legal trouble, liability, crisis management, lost passport or credit cards, and an emergency refill of prescription drugs.
If your student were to become seriously injured or sick while abroad in a remote location, study abroad insurance can arrange for transportation to a location where adequate care can be given. Travel insurance companies usually collaborate with the most suitable evacuation companies. Although money may not be an issue for some, knowing how to handle urgent situations while so far away from your child may be.
In an unfortunate event that death occurs while studying abroad, study abroad health insurance can arrange for the local cremation or return of mortal remains back to the home country. This involves many formalities with local law enforcement agencies, the Embassy, the hospital, the airline, and other parties that may be involved. This is simply not feasible to arrange on your own without physically being present there. Luckily, travel insurance companies have local resources available to quickly and efficiently assist with the process.
Some hospitals will not release you until payment is made. Travel insurance companies are used to dealing with many hospitals in many different countries, and can make payment arrangements for ease of treatment. In general, travel insurance companies are always willing to work with hospitals worldwide for direct billing and payment.
In case a student is hospitalized in a foreign location, there is nothing more comforting than a parent being able to be by their side. Many study abroad insurance plans pay for such visits.
In fact, many high schools and universities require their students to purchase study abroad insurance because they realize it is of utmost importance due to their prior experiences. Some universities offer a sponsored group health insurance plan, but allow you to waive it as long as you can show proof of a comparable study abroad insurance policy.
The international student health insurance cost will vary based on your age, policy maximum, deductible, and the duration of the trip. However, it is best to compare several study abroad insurance plans to make sure that the one you purchase meets your needs. You should not decide simply based on the price.
It is important to review the exclusions of the study abroad insurance to make sure you get the coverage you need:
If you have pre-existing medical conditions, most study abroad insurance plans will not cover them. Therefore, you should make proper arrangements, such as making sure you have appropriate medications with you as well as a thought out plan for treatment should you need it.
When studying abroad, students are at an age where parties and socializing with new friends is very common. However, students should clearly understand that study abroad insurance will not cover any incidents that occur while under the influence of alcohol or drugs, as they are willingly exposing themselves to risks. It may already be difficult to receive proper treatment in some foreign countries; you should not increase your risk by abusing alcohol and drugs.
It is important for students studying abroad to take some time off from their studies and have fun by participating in extracurricular activities or sports. Most study abroad insurance plans exclude injuries or accidents that occur while participating in hazardous sports activities; some insurance plans cover them at no additional cost while others require an extra cost for coverage. Included or excluded coverage for sports activities vary based on the specific insurance plan; therefore, you should review the policy to make sure that your activities are covered.
Study abroad insurance excludes routine medical care, such as dental, physical examinations or general checkups, eye exams, and prescription glasses.
Whether studying abroad for a few weeks, a summer, a semester, or longer, it is always advisable to purchase study abroad insurance. The best health insurance for students studying abroad will depend on a variety of factors, including the country you're studying in, the duration of the program, and the school you will be attending. Don't leave it to the last minute, forget about it, or not allow yourself sufficient time to research an adequate insurance policy for your needs.
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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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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