Do you know about insurance coverage especially for J1 and J2 visa holders? J1 and J2 visa holders are required to have full insurance coverage for the time they are in the United States, as specified on their visas. It is important to fulfill the requirement for insurance and find the correct coverage at the right price.

Why is it important for J1 and J2 visa holders to also hold insurance? One reason is that the government stipulates that visa holders must be insured, in order to comply with the program. If someone holding a J1 visa deliberately fails to purchase and keep up to date visitor health insurance then the sponsor of the J1 visa holder should stop the program and inform the US Department of State of the reason for the termination.

In addition to this valid reason, there are benefits for the visa holder and dangers to not having adequate health insurance – even if there was no government requirement, the J1 visa insurance would still be essential. It is risky to be in the United States without health insurance as there is no state-led payment of healthcare costs and if you fall ill, you are responsible for paying for your medical care. A day in hospital is expensive and serious injury could cost you thousands.

J1 and J2 visa insurance should provide medical coverage of at least $50,000 for every accident or illness. The policy must also include repatriation benefits of at least $75,000 in case the visa holder dies whilst in the United States. There should also be coverage for emergency medical evacuation to the tune of up to $10,000 – this is in case the insured must be flown home in the event of serious illness. Pre-existing conditions may be covered and the insurance must be from a reputable provider in order to be eligible.