|
|
|
J1 Visa Health Insurance
J1 Visa Health Insurance, J1 Visa Insurance, J1 Visa Medical Insurance, J2 Visa Insurance plans for J1 visa holders in the US and J-2 dependents. US Government regulations stipulate that if the J-1 or J-2 visa holder willfully fails to carry mandatory health insurance, then the J-1 sponsor must terminate the exchange visitor program and inform the US Department of State. J1 Visa Medical Insurance benefits for exchange visitors include coverage for medical expenses (pre-existing conditions may be covered), prescription drugs expenses, emergency medical evacuation and accidental death & dismemberment.
J1 Visa Medical Insurance - Compare Plans
Answer questions below and click "Get Quote " button to get a free online quote comparing several J1 Visa Insurance plans and J2 Visa insurance policies:
J1 Visa Medical Insurance - Plan Listing
Below are a listing of some of the plans that meet the requirements for J1 visa health insurance (J1 exchange visitor insurance):
 |
|
Patriot Exchange Insurance
Patriot Exchange Program is specifically designed for international educational, cultural exchange, worker trainee, summer interns, etc, providing comprehensive visitors insurance coverage for J1 visa visitors to the United States. Exchange Program Group offers three different plans to provide a wide range of benefits to group members and their dependants traveling with them.
|
 |
|
Study USA Insurance
Study USA Insurance policy is for international students studying outside their home country. Study USA medical insurance meets or exceeds the requirements set by the American Department of State, Immigration & Naturalization Services and NAFSA, and also meets J1 visa requirements. Study USA Insurance is widely accepted by U.S. universities
|
 |
|
Student Secure Select Insurance
StudentSecure Select Insurance is designed specifically to meet the insurance needs of international students. Whether you are looking for individual coverage or coverage for the entire family, our select and budget options have the features you need. Each plan includes coverage for emergency medical evacuation, intercollegiate sports, acts of terrorism and more.
|
 |
|
Student Secure Budget Insurance
StudentSecure Budget Insurance is designed specifically to meet the insurance needs of international students. Similer to the Select plan above, provides a budget alternative and also meets the J1 visa requirements.
|
 |
|
Atlas America Insurance
Atlas America Insurance is a leading visitor travel medical insurance plan for visitors to the US. Atlas America Insurance is designed to take the risk out of international travel and includes coverage for Acts of Terrorism, complications of pregnancy and incidental trips home. Atlas America Insurance can be extended up to 36 months.
|
 |
|
Liaison Student Insurance
Liaison Student Insurance provides valuable benefits to students and other educational professionals when they travel outside of their home country. Plan meets J1 visa requirements.
|
 |
|
Global Student USA Insurance
Global Student USA Insurance is International health insurance designed to meet the needs of International students in the US. This comprehensive insurance also provides coverage for J1 exchange visa visitors to the U.S. and satisfies the J1 visa requirements.
|
 |
|
Global Student USA Preferred Insurance
The preferred plan is very similer to the Global Student USA Insurance and also additionally provides 100% cover for first $5,000 of expenses. To find out the detailed coverage options, compare Global Student USA plans.
|
J1 Visa Medical Insurance - Review of Coverage
If you are J-1 exchange visitor in the US, you must carry health insurance for yourself and your J-2 dependents for the full duration of the J program. Government regulations stipulate that if one willfully fails to carry health insurance, then the J-1 sponsor must terminate the exchange visitor program and report the termination to the United States Department of State in Washington D.C.
It is dangerous to be in the US without adequate health insurance. In many countries, the government bears the expense of health care for its citizens and sometimes for visitors. By contrast, individuals and families in the U.S. are responsible for such costs. Since a single day of hospitalization and medical treatment can cost thousands of dollars, many hospitals and doctors refuse to treat uninsured patients, except in life-threatening emergencies.
Most Americans rely on insurance, and you should do the same. Insurance gives you access to better and more timely health care and provides the only protection against the enormous costs of health care in the US.
Required USA J1 / J2 Visa insurance specifications
The Department of State has established the following requirements for the type and amounts of coverage required to maintain J-1 or J-2 status:
- J1 Scholar (Exchange Visitor Visa) Health Insurance policy must provide "medical benefits of at least $50,000 for each accident or illness." It means that an acceptable policy couldn't set a maximum lower than $50,000 in benefits for each accident or illness.
- If a J visa holder dies in the U.S., then the policy must provide at least $7,500 in repatriation benefits to send the remains to the home country for burial.
- If, because of a serious illness or injury, you must be sent home on the advice of a doctor, the policy must pay up to $10,000 for the expenses of your travel.
- J1 Scholar (Exchange Visitor Visa) Health Insurance policy may establish a waiting period before it covers pre-existing conditions (that is, health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance business.
- If you elect to satisfy the insurance requirement through a policy issued in your home country, the policy must be backed by the full faith and credit of your government. Otherwise, the company providing the insurance must meet minimum rating requirements established by Department of State (an A.M. Best rating of "A-" or better, an Insurance Solvency International, Ltd. (ISI) rating of "A-1" or better, a Standard & Poor's Claims-Paying Ability rating of "A-" or better, or a Weiss Research, Inc. rating of "B+" or better).
J1 Visa Health Insurance - How medical insurance works
When you purchase health insurance, the money you pay (your "premium") is combined with the premiums of others to form a pool of money. That money is then used to pay the medical bills of participants who need health care. Your coverage remains valid only as long as you continue to pay your premiums.
Once you purchase insurance, the insurance company will give you an insurance identification card for you to use when you seek care from a hospital or doctor.
The insurance company will also provide written instructions for reporting and documenting medical expenses ("filing a claim"). The insurance company will evaluate any claim you file and make the appropriate payment under your policy. In some cases the insurance company pays the hospital or doctor directly; in others the company will reimburse you after you have paid the bills.
J1 Visa Medical Insurance - Choosing a J1 insurance plan
Understanding J-1 Visa Insurance can be complicated. There are many plans, various coverages, options and restrictions. Deciding on a policy that best suits your needs is not always easy.
One can compare all the major insurance policies, select and purchase a policy that best suits your preferences at Compare J1 Visa Insurance Quotes.
|
|
|
