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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.
American visitor insurance is short-term international travel medical insurance that generally covers any new medical conditions, injuries or accidents that may occur after the effective date of the policy. Checkup coverage in health insurance for foreign visitors could mean a few different types of appointments depending on where you're from in the world. In the U.S., visits to the doctor are known as preventive checkup visits, sick visits, or routine visits. If you or your family member have visitors insurance, you should know what each type of doctor visit is and whether or not it's covered in your visitors insurance plan.
Many people ask the question, "Is a checkup covered in visitors insurance?"
It is very important be specific when you ask by stating what exactly you need to have covered. When the question is phrased as written above there can be some confusion because according to US healthcare terminology that question is asking whether a checkup, which could be confused for a preventive visit or as a routine visit, is covered in visitors insurance. By using the above phrasing in the question the answer you would receive is that visitors insurance plans don't cover preventive checkups.
A better way to phrase the question is to ask, "If the visitor becomes ill with a new sickness after the effective date of the policy, can they visit the doctor's office to get checked up so they can find out what is wrong and receive treatment?"
If this were the question asked, then the response would be similar to this answer, "Yes, if a visitor is unwell they would be covered for their sickness under visitors insurance plans because the new sickness occurred after the effective date of the insurance plan."
Preventive checkups are also called annual physicals and are performed by primary care physicians. Annual preventive checkups are designed to prevent certain illnesses and health conditions from occurring, and to detect health issues in the early stages. The extent of a preventive care checkup may vary based on the physician, your age, your gender, your family history and several other factors. These visits normally include screenings such as blood tests, urine tests, ears/eyes/nose/throat examination, or a Pap test. Additionally, it may also include HIV screening, Diabetes (Type 2) screening, or cancer screenings such as, mammography for breast cancer (women) or colorectal cancer (male).
Preventive checkups are not covered by any of the visitors insurance plans from any company anywhere. Even the best travel health insurance in the USA will not cover them. Insurance companies simply can't afford to give away money like that for such term travel medical insurance. Preventive checkups should be done in home country annually or just before leaving for a foreign trip.
Other correct terminology you could use would be, "If a visitor becomes sick, can they visit the doctor?". The answer is "Yes" as long as it is generally a new medical condition that occurs after the effective date of the policy that would be covered. In short, customers mean to ask if they can use the visitors insurance for an outpatient doctor visit if they suffer from a minor illness such as cold, flu, fever, diarrhea, stomach upset, food poisoning, etc., or if the insurance is only for major things like hospitals or surgery. Visitors insurance plans are both for outpatient services as well as hospitalization.
Please refer to the certificate wording of an insurance plan for the specific details of the insurance plan you are considering.
Routine maintenance of pre-existing conditions, such as periodic checkups of blood pressure or diabetes, can be included in the annual physical, but are not considered preventive because the pre-existing condition is a diagnosed medical condition. Routine maintenance of pre-existing conditions is not covered. Medications and treatments such as blood pressure medicine, insulin for diabetes, dialysis for kidney or anything that you routinely need to treat your pre-existing condition is excluded.
While routine maintenance related to pre-existing conditions is typically excluded, many visitors insurance plans cover acute onset of pre-existing conditions up to 69 or 79 years.
When you contact a Doctor's office, an Urgent Care and even the insurance claims department you should be careful with the words you choose to use to avoid any confusion. It will save you a lot of frustration if a claim is coded wrong because of the phrasing you used initially. See the following examples of how you should or should not request an appointment:
You should now understand the different appointment types according to US medical terminology and have samples of language to use when you need to visit a doctor or facility in the U.S. Be sure that you use the appropriate phrasing from the very beginning to prevent trying situations with the insurance company's claims department later and continuing using the correct terminology when communicating with the insurance company's claim department.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
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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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