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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.
The Scandinavian nation of Sweden has long been seen as a model country, a democracy that has maximized its potential. The two prime destinations for expatriates are Gothenburg and Stockholm. The nation is obsessed with punctuality, and the work-life balance is excellent.
From free education to healthcare and perfectly maintained cities, Sweden is an ideal location for an expat to live. The Swedish society believes in altruism and sharing, and nowhere is this more visible than in the Swedish public healthcare system.
However, as an expat, it is still better to be safe than sorry. We would highly recommend purchasing expatriate medical insurance before you settle down.
The Swedish healthcare system is founded on the fundamental pillars of equity, public funding, cost-effectiveness, and decentralization.
Before we study the system, it is worth noting that Sweden stresses expert training. A nurse receives a three-year university degree and can only be employed after rigorous study. An OECD study in 2017 showed that the nation, which was once the poorest in Europe, has the best cancer survival rate in all of the continent and 3.3 doctors per thousand, one of the highest in the world.
The healthcare system is divided into several layers - primary (close to home), emergency, inpatient, specialist, dental, and elective.
The country is divided into more than 20 health circles with a population of about 100,000 each. There are more than 50 general hospitals and almost 10 highly advanced facilities. The biggest and best is the famed Karolinska University Hospital in Stockholm, which has about 1,600 beds and counting.
The cost of healthcare is covered by the government. Only about 3% of annual health care costs come out of citizens’ pockets. Any upfront expenses, including the price of medicine, is regulated. Citizens and residents receive healthcare absolutely free.
As a resident of Sweden, you would automatically pay income tax that includes the cost of healthcare. Upon arrival, you would be issued a personnummer, or personal ID, that allows you to take advantage of state-funded healthcare with any local GP, or vårdcentraler.
However, there are fissures in the system. Despite repeated reforms and efficient bureaucracy, the wait times for treatment keep growing. Swedish law mandates that no patient should have to wait more than 90 days for a visit to a specialist or elective surgery. In reality, this is closer to a year.
Even emergency rooms have an average wait time of four hours. Conditions such as strokes and cardiac arrest need immediate care, and four hours is too long. In Västerbotten County, for example, the median wait for cancer surgery is 271 days, enough time for the disease to spread and kill the patient.
What plagues the rest of Europe is also a problem in Sweden - the system has not been able to cope with an aging population.
Private healthcare has thus far not been common in Sweden, but it is growing at a rapid pace. At the end of 2017, more than 50% of Swedes had some degree of private medical insurance.
The private healthcare system is also funded by the government but employs private doctors. Basically, you could opt for the unpaid, slower system or a paid but faster system, both operated by the same health council.
The most well-known private facility is St. Göran's Hospital in Stockholm, which has about 1,500 beds and counting.
It goes without saying that you don't want to wait four hours in an emergency room. Expat health insurance is a must for expats living in Sweden.
However, you need to properly understand the various terms and conditions before you can buy a policy that is perfect for you. What do you need to watch out for?
The best option that you have is to purchase expatriate medical insurance. You will find an assortment of expat health policies that are affordable and have generous terms.
Compare plans, buy the one that best fits your circumstances, and always remain always covered with our knowledgeable, experienced customer support staff.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
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There are many advantages in purchasing from Insubuy® and no disadvantages.
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.
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Purchase new immigrant medical insurance to bridge the gap.
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Buy a trip cancellation insurance package plan and be worry-free.
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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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