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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.
A globalized economy means it's commonplace for citizens of one country to live for extended durations in another country. As a consequence, international private medical insurance (iPMI) is thriving.
A recent report informs that the gross value of written premiums for iPMI was $16.5 million USD in 2018. Out of that, about $12.4 million USD related to non-student expatriates.
Expat medical insurance in the UK is a health insurance plan for the citizens of one country living and working in another. If you are a U.S. citizen living and working in the UK, for instance, you may not be eligible for your employer’s health insurance plan.
You’ll need expat medical insurance to keep your options open for accessing private healthcare services.
If you are a U.S. citizen with a UK visa valid for longer than six months, you qualify for the UK’s National Health Service (NHS). To have access to the NHS means much of your treatment is free at the point of delivery. The payment is made through taxation on income.
The NHS covers the following:
Despite government support for the NHS, as of 2020, 13% of UK consumers have private medical insurance coverage. In addition, 11% of consumers in the UK have accident coverage, and 7% have statutory health coverage through private medical health insurance.
There must be some issues with the NHS for these UK consumers to choose private medical health insurance. As an expatriate in the UK, you need private medical insurance too. UK expatriate medical insurance is designed to meet the needs of expats. See the reasons explained below.
Most working adults have to pay for eye check-ups. Dental care is also not free for most working adults.
There are three common categories of dental care:
These are the costs in the NHS care system. If you access private care for the same services, the costs for each category of dental care would roughly be double.
The NHS does cover physiotherapy if your GP recommends it. However, the waiting time often pushes people to seek private appointments.
The NHS has limited scope for free chiropractic therapy. Even if you do get referred by your GP, the waiting list may drive you to seek private services.
Free podiatry services are virtually non-existent within the NHS, and the costs for special treatment tend to mount quickly.
Both services are available within the NHS, but there is a long waiting list. A recent report states that the average wait for a knee replacement is nearly 13 weeks. It is about a week less for hip replacement.
If you want to access private surgery, the average cost for a knee replacement or hip replacement is well over £1,000.
The NHS target is to get a cancer patient treated within 62 days of GP referral. The Health Foundation reported during the 2019 general election campaigns in the UK that the NHS has failed to meet this target for more than five years.
Tests and scans are free only with GP referral. Private service costs can go up to £100. Prescription medicines are free in Northern Ireland, Scotland, and Wales, but not in England. Only specific population groups can get free prescription medicines in England.
The smart move to avoid unnecessary delays without spending an excessive amount of money is to buy an expat health insurance plan in the UK.
There are various UK expat health insurance options to choose from to suit different needs. Check out a wide range of expat medical insurance plans, and if you need any help picking the plan that is best for you, please contact our licensed, experienced representatives.
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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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