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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.
When shopping for visitors insurance, many people ask, "How much travel medical insurance do I need?". They wonder what an adequate policy maximum would be. There is no one best answer, but the following information will help you make a better decision when deciding on health insurance while traveling in the USA.
Even before choosing the policy maximum, it is important to understand that there are primarily two types of visitors insurance plans, fixed and comprehensive. Fixed coverage plans provide limited coverage and are low-cost, while comprehensive plans provide better coverage and cost more. We always recommend everyone to purchase comprehensive coverage plans only.
The rest of this article relates to the policy maximum of comprehensive coverage plans.
If you are over 80 years of age, the highest maximum available is $50,000. That is what we recommend.
If you are in the age group of 70-79 years, we recommend you purchase $100,000 as there are several excellent choices available in that policy maximum.
If you are under the age of 70 years, many policy maximums are available ranging from $50,000 to $8,000,000.
We recommend that you purchase at least $100,000 and preferably $500,000.
Yes. The cost of healthcare is very high in the U.S., and people consistently exceed a $50,000 policy maximum for anything serious that requires a few days stay in the hospital. $100,000 is a more comfortable amount considering the high cost of healthcare.
In order to reduce the premium of overseas medical insurance, you can consider choosing a higher deductible such as $1,000 or $2,500. Of course, if you get sick or injured, you will generally have to pay that deductible before the insurance company starts covering anything. However, when you have such large expenses, paying $1,000 towards the deductible seems very small.
Even though prices vary by plan, many plans have comparable prices for $50,000 policy maximum with $250 deductible and $100,000 policy maximum with $1,000 deductible. In case of big expenses, you really would be relieved to have an additional $50,000 coverage when you need it.
No. You can't make a change to your policy maximum after the effective date of the policy. If that was indeed possible, no one would initially purchase higher policy maximum and an insurance company would simply lose money giving you extra money when you decide you want it to cover additional expenses.
We really wish that we could answer such questions. Lack of transparency in medical billing is the root cause of most confusion in U.S. healthcare. This varies a lot by region and even medical facilities, and most prices are unknown until you get an actual bill. You can try calling your local hospitals and doctors to try to get an idea. We are sure that no one would give any straightforward answers.
Unfortunately, there is no such thing as 'usual charges'. Simply, there is not.
Insubuy has been dedicated to offering visitors insurance for over 20 years. This is what we do every day. Even with all of our experience and knowledge, there is no way to estimate any charges or give you an idea, we can't do that. If such information was available, perhaps based on such database, we would have built the software tools to give you an accurate idea of what something would cost. We would not provide something to our customers simply based on guesswork.
In that case, you would have to pay the difference beyond $100,000 out of your pocket. That is why you would choose $500,000. Of course, it is still possible that the treatment cost is beyond that. The higher the policy maximum you choose, the lower the possibility of covering the expenses from your own pocket. That is why the premium difference between $100,000 and $500,000 are not significant.
No. We, as a broker, work in the best interest of our customers. Our recommendations are purely based on our observations. You can also check with your friends, research online and make an educated decision yourself. Of course, if you need any further help, you can contact us at any time.
We would like to leave that question for the politicians to discuss and debate.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreSame Price. Better Service.®
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.
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.
Learn More