The US Department of State has changed the J visa requirements for medical insurance! Here are the new requirements for the visa:
The policy must provide medical benefits of at least $100,000 for each accident or illness. This refers to the policy maximum.
The policy must provide at least $25,000 in repatriation benefits to send the remains to the home country for burial.
The deductible should not exceed $500 per accident or illness.
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%.
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. This is referred to as emergency medical evacuation.
As of May 15, 2015 all J visa holders will have to adhere to these new guidelines. Insurance companies are in the process of changing their offering to appropriately reflect these changes. Naturally, you can purchase policies with a higher maximum and higher limits than the minimums given above (many are higher in some areas) without worrying about having to make a change.
If you hold a policy for only $50,000 maximum and you are on a J1 or J2 visa, please make sure to contact us to see how you can switch policies to meet the new higher requirement. We will be happy to make sure you are in compliance for the duration of your stay!
As ever, we wish you safe, healthy, and happy travels!