J1 Visa Insurance

J1 Visa scholar insurance is applicable for J1 visa holders (Exchange scholars in the US) and J-2 visa holders (spouse and dependents of J1 scholars). The US consulates have mandated certain J1 visa insurance requirements for J1/J2 visa holders. Compare and buy the cheapest insurance for J1 visa from top rated insurance companies. These affordable J visa repatriation and evacuation insurance satisfy J1 visa requirements as mandated by the US consulate. The health insurance USA J-1 research scholar insurance is very popular among international scholars coming to the USA.

The J1 exchange scholar insurance is specially for J1 visa holders and their dependents who would live in the US for one year or even less. Affordable J1 scholar health insurance offer special coverage for acute onset of pre-existing conditions, maternity, injuries while taking part in sports, drug abuse and mental illness. By satisfying the requirements of US j1 visa consular needs, these comprehensive plans also offer coverage for trip interruption, baggage loss, passport loss and much more.

While applying for J1 visa, the consulate would ask you to provide the proof of insurance coverage for your entire stay in US. After buying the J visa evacuation and repatriation insurance, you may have to contact the insurance company for the J1 visa letter, We will send the visa letter as soon as we receive the payment confirmation. Therefore while you are preparing for the visa interview, you will have the J1 visa letter ready.

• US insurance plans have better recognition within the USA as opposed to plans purchased in your home country.
• J1 health Insurance claims are settled in US dollars and directly billed if services are used within the insurance PPO network.

• Exchange scholars traveling overseas in groups can purchase the group insurance plans.
• This makes it a lot easier to administer the plan and these plans are cheaper than buying individual insurance plans.

Patriot Exchange insurance offered by International Medical Group (IMG) is an excellent health insurance plan supporting J1 & J2 visa. It is ideal because Patriot Exchange can be purchased by the J2 dependent even if the J1 scholar is not part of the Patriot exchange plan, as long as he or she is covered by another plan offered by the research or educational institution.

The US Department of State has established the following insurance requirements to maintain the J1 Visa or J2 Visa status:

1. J1 Scholar (Exchange Scholar) Health Insurance policy must provide "medical benefits of at least $100,000 for each accident or illness."
2. If a J visa holder dies in the U.S., then the policy must provide at least $25,000 in medical evacuation and repatriation insurance benefits to send the remains to the home country for burial.
3. The J-1 exchange visitor health insurance deductible should not exceed $500 per accident or illness.
4. The co-payment of medical expenses (the portion not covered by insurance that the insured pays him or herself) should be of no more than 25%.
5. 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 $50,000 for the expenses of your travel.
6. J1 Scholar (Exchange Scholar) 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.
7. 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).
8. These J1 visa health insurance plan requirements apply to both J-1 visa students and J-1 visa exchange scholars and to their J-2 dependent visa spouse and J2 visa children.

The Affordable Care Act (ACA) compliance requires the student insurance plan to include Medical evacuation coverage. The J1 Visa requirements include minimum coverage for Medical Evacuation of $50,000 and Repatriation of Remains of $25,000. Most university insurance do not provide this medical evacuation coverage, and students do not realize that they are not meeting the J1 Visa requirements. The Medical Evacuation & Repatriation Insurance and Atlas MedEvac Insurance offers coverage for medical evacuation of $50,000 and satisfies the J visa requirements.