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J1 Visa Exchange Visitor Health Insurance for scholars, trainees, au-pairs
'J1 Visa Health Insurance' has been mandated by the US Department of State. Exchange visitors, scholars, au-pairs, trainees, post graduate research students and all other J visa holders are required to have valid health insurance in order to keep their visas valid.
J visa health insurance plan benefits should include coverage for medical expenses, evacuation, and repatriation. The section titled 'J Visa Insurance Specifiations' below provides the minimum coverage specifications for valid plans
There are various plans from many insurance companies (AIG, Lloyds, Sirius, Nationwide etc.) that meet the J1 visa health insurance requirements. Please answer the questions below and click the 'Get Quote' button to obtain instant quotes and compare plan benefits.
J1 Visa Health Insurance Requirement
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.
J 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 J2 Visa Resources
J Visa Exchange program as described on US Department of State
J Visa Application Guide is available at US Immigration Support
J1 Visa insurance disclaimer:
NRIOL has tried to provide the most accurate and updated information on the policies compared to the best of our knowledge. However we make no guarantee regarding the accuracy of the information provided, which are based on the rates published online by the respective insurance companies and/or administrators. This information may change periodically as respective insurance companies and/or administrators can change their policy structure/content. NRIOL is not liable for any problem resulting from the use of this information. If you do not agree with the terms of this disclaimer, please do not use this comparison engine.
J1 Visa insurance Questions?
Be sure to view the appropriate insurance offering details. Please also read the FAQ page for Frequently Asked Questions.
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