J1 visa group medical insurance, Exchange Scholars Group medical insurance
The J1 visa group insurance is specially designed for groups of J1 visa applicants. International Medical Group (IMG) offers the Patriot Exchange group medical insurance as an affordable exchange scholar health insurance by satisfying the US J1 visa consular requirements.
The J visa group insurance plan can also be customized to satisfy any special requirements. You can contact our Group insurance specialist for customizing your group insurance plan. After completing the Group J visa application and purchase, we will also provide the required J1 visa letter along with the group insurance document.
J1 Visa insurance requirements
The US Department of State has established the following insurance requirements to maintain the J1 Visa or J2 Visa status:- J1 Scholar (Exchange Scholar) Health Insurance policy must provide "medical benefits of at least $100,000 for each accident or illness." Students with older $50,000 policies (Prior to 2015 J visa requirement) should be able to “upgrade” their policies this one time by paying the increased rate.
- 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.
- The J-1 exchange visitor health insurance 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.
- 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.
- 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).
- 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.
Group Insurance Quote
American Visitor Insurance has many years of expertise in designing the best group insurance plan for different groups of travelers based on their needs. Do you need to satisfy specific university or different consulate requirements? We will provide the plan that best satisfies those needs.
Setting up a group insurance plan can be complicated, however we will do all the work to make it easy for you. We will set up the group plan such that a single credit card transaction will result in all the insurance cards being issued to a single address.
Popular J1 Visa insurance plans
- INTERNATIONAL MEDICAL GROUP(IMG)
- TOKIO MARINE HCC
- Maximum coverage options up to $500,000
- Deductible $100
- Key Features Specifically for students and exchange scholars; Meets J1 requirements if purchased for minimum of $100,000.
- Plan Limitation Must be purchased for whole months only.
Tokio Marine HCC(HCCMIS)- Offers coverage to meet the needs of groups of five or more individuals travelling outside their home country.
- Maximum coverage from $50,000 to $1,000,000.
- 10% discount available for groups making it a leading plan for students, corporate travelers and families