J1 Visa Health Insurance

Advantages of J1 visa Health Insurance

• Hospitalization expenses are exorbitant in the United States. In an unfortunate and abrupt event, if you are met with an accident, fall sick, or get injured you need to have the necessary insurance cover.
• J1 insurance health insurance visa will protect you against financial costs.
• If you do not have adequate insurance cover, you may need to pay out of your pocket.
• Having J1 travel insurance US visa is always a practical way of making your visit to the United States an enjoyable and peaceful one, even though you encounter the worst circumstances.
• It is always a safe option to buy a US insurance plan in the United States itself as they have a strong recognition as opposed to your home country.
• If the services are used within the PPO network then the claims are settled in US dollars.

Why choose us for J1 visa Health insurance?

• NRIOL is one of the leading firms in proving insurance cover for insurance for visitors to the USA. Our team understands the importance of good health insurance especially when you are traveling internationally.
• With our in-depth expertise and know-how of the US insurance industry, you can rest assured that we provide the best services to you.
• Our team understands the ever-changing needs of the international traveler and we bring to the table innovative strategies, offering you the highest quality coverage options for insurance for visitors to the USA.
• We assist our esteemed clients to make informed decisions about travel insurance so that you have safe and peaceful travel to the States.

J1 Visa Health Insurance Requirements

• J1 Visa Health Insurance (Exchange Visitor Health Insurance) policies must provide “medical benefits of at least $50,000 for each accident or illness.” This means that an acceptable policy cannot have its medical 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.
• If, because of a serious illness or injury, one has to be sent home on the advice of a doctor, the policy must pay up to $10,000 for the expenses of emergency medical evacuation.
• Policies covering J1 visa health insurance (also known as Exchange visitor health insurance) may establish a waiting period before covering pre-existing conditions (that is, health problems that were present before the insurance plan was bought), 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 the 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).

How to get J1 visa Health insurance?

• The J1 visa is essentially issued to those individuals who wish to travel to the States to enhance their proficiency and expertise in their respective domains.
• It is essentially an exchange program for fostering ties with your home country and the States.
• If you wish to participate in the exchange program then you need to have a J1 visa and subsequently J1 tourist visa insurance USA.
• There are various categories where you are liable for a J1 visa and insurance. Typically they are-
• Teacher, US travel for summer work, Research Scholar, Short-term Scholar, International visitor, University International Student, etc.
• Every above-mentioned category has different rules. Some of them even allow the spouses and the minor children of J1 visa holders to accompany them on J2 visas.

Tips for J1 visa holder’s health insurance.

Any individual coming to USA on J1 visa for Exchange program as visitor, scholar, au-pair, trainee, research student etc ., must definitely have a valid health insurance which meets certain basic criteria set by the U.S Dept of State.

Below are certain tips for J1 visa holder’s health insurance

• Along with proof of financial security, adequate proof of health insurance is to be provided.
• All dependents of J1 Visa holders who are in J2 Visa should also produce proof of health insurance.
• Check if the health insurance coverage meets certain minimum benefits like repatriation benefits and medical evacuation.
• Check if the medical insurance policies meet the norms underwritten by the specified insurance corporation.
• Confirm if the insurance corporation meets the specified norms and rated good.General Tips
• Always carry common medication and instructions for medicines from your home country.
• Always have some copies of insurance ID card and Passport.
• Before leaving for any international destination, keep sufficient amount of local currency of the country that you are visiting.
• Familiarize yourself with local language and traffic rules. A general orientation on some common phrases and traffic rules will be useful.
• Check the safety of your staying place.