Paying for health insurance from abroad…Signing documents online?…A credit card compromised again!

View from our area.

I love technology. Without it, our lives would be much more complicated. As an example, our health insurance policy’s annual single premium is due on March 1, 2016, and we’re able to sign online and provide credit card information as securely as possible. The ability to sign online has been available for approximately the past 10 years but many have never used it and are hesitant to do so. Today’s post may ease your mind.

Preferring to pay the insurance bill a bit early, this morning I worked on sending the payment. A few days ago we destroyed the credit card that Healthcare International had on file for us when we received a notice that charges were made on the card in Texas, USA.

Country view.

We’d hardly purchased fuel and spent NZ $281, US $186 at a Walmart store in Houston, Texas. Every few days, I check all of our credit cards online to ensure everything is accurate without any suspicious charges.

As it turned out, on a day I hadn’t checked, I received an email from the credit card company inquiring as to suspicious charges on the card. Their files indicate we’re in New Zealand at this time and it was unlikely we’d flown to Houston overnight to shop at Walmart.

We keep “travel notifications” updated for each of the credit cards we use, requiring updating every 60 days. To remind me to do so, I have it marked on my online calendar with a pop-up reminder. When we first began traveling, we were annoyed with having to log the travel notifications on the credit card company’s online site for every country we’ll be visiting over the next 60 days. 

View of downtown New Plymouth.

Now, with our third incident of fraud in the past 40 months, we understand the benefit and necessity of updating these notifications. Also, updating the travel notification prevents a “decline” at the register when the card’s system doesn’t recognize the current location for which the charges are attempted.

In each case, a new card has been sent to us wherever we may be at the time. The credit card company pays the fees to mail it. Since we don’t need the card quickly with other cards we can use in the interim, we don’t incur any overnight shipping fees. 

Credit card companies may charge when a new card is shipped overnight internationally.Thus, we didn’t request an overnight shipment when the fees can easily top NZ $151, US $100. The new card will arrive here at the farm in NZ within three weeks.

Trees along the rocky shore in the town.

When a credit card is compromised, in some cases the credit card company will pick up the fraud when most theft systems charge $1 as a test to see if the card will work. Once that works, the process of making additional illegal charges begins which may result in thousands of dollars in charges.

It’s imperative for the customer to check their charges on a regular basis and report any suspicious charges immediately and report them promptly. If the charges are made in your home country while you’re residing in your home country, these charges are all the more difficult for the credit card company to catch. You may be using the card while on a local weekend away.

For those outside their home country, this is all the more likely to occur when devices are set up at fuel stations, restaurants, shops, and other establishments where one uses a card. 

Lava rock along the shoreline.

Note:  You will not be charged for any of the unauthorized (illegal) charges providing that you notify the company in a timely manner. Waiting months to do so could result in the customer’s responsibility for the charges.

The new “computer chips” offer no protection in avoiding theft. In each case we’ve experienced theft, we always had the card in our possession. Often, it isn’t the physical card that is compromised, only the number

The rocky beach in New Plymouth.

Now, on to our annual health insurance bill…Each year, when the annual premium is due,  Healthcare International (in the UK) has used the credit card on file to pay our bill. 

I’d contacted them by email asking for the last four digits on the card they had on file to pay our premium.  When the email arrived this morning with the information, I realized it was the “stolen” card that had been canceled a few days ago.

Sugarloaf in downtown New Plymouth.

It’s important to avoid sending a credit card number, social security number, or any other pertinent ID information via email without special security measures in place. Email isn’t secure as much as one may assume. Scammers have equipment breezing through email worldwide attempting to “pick up” such information for illegal purposes. 

Luckily modern technology has provided for secure options but only when certain the message you’ve received is valid from the source you requested. This can be tricky. If uncertain, contact the company on an approved phone number and provide the information in that manner.

Mount Taranaki after more snow on a cool day.

Our bill for the upcoming year including air ambulance, major medical, and other benefits is NZ $5855, US $3745. Luckily, this year, Healthcare International provided an app via Adobe ID to securely assist in entering a new credit card number and to be able to accept an online signature. 

Familiar with this app which we’ve used in the past when an online signature is required, I was comfortable using it again to send via a secure link the app easily provided to be sent by email to Healthcare International.

Yesterday, we posted a photo with eight baby alpacas. This morning, we took this photo with nine babies, although there appears to be eight. Can you find the ninth?

It seems as if I’m contradicting myself by sending this information by email. However, Adobe ID is as secure as any other “secure” site but, let’s face it, any website can be compromised and data were stolen. I completed the necessary information and forwarded it to Healthcare International via a “secure” email through their account with Adobe.

The reason I bring up credit card fraud and this insurance bill together is simple. Paying this amount of money using a credit card is safe for the consumer if any fraud is reported promptly. We were not responsible for any portion of the illegal charges on our credit card, nor would we be for future such charges. This gives us peace of mind.

A moment later a head plopped down on a playmate.

Having one’s identity stolen is another entirely different matter which we won’t get into here today.

Tomorrow, we’ll share the benefits of the policy along with any of the negative aspects of buying health insurance while traveling for extended periods when one doesn’t have other health insurance or has limited coverage outside their home country, as is in our case.

Happy day!

Photo from one year ago today, February 9, 2015:

The residents of Hawaiian are very proud of their love and preservation of wildlife and their land.  For more photos, please click here.