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.
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 $100K for each accident or illness." Students with older $50K 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 $25K 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 $50K 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.
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.
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J1 visa group medical insurance is health insurance coverage specifically designed for J1 visa holders and their dependents who come to the USA for cultural exchange programs, research, or training opportunities.
Yes, J1 visa regulations by the US authorities require all J1 visa holders and their accompanying dependents to have medical insurance that meets the specified minimum coverage requirements throughout their stay in the USA.
J1 visa group medical insurance offered in American Visitor Insurance provides coverage for medical expenses due to illness or injury, hospitalization, emergency medical evacuation, repatriation of remains, and sometimes preventive care and prescription drugs.
Yes, the U.S. Department of State mandates certain minimum coverage requirements for J1 visa insurance. As of my last update in September 2021, the minimum requirements were $100K per accident or illness, $25K for repatriation of remains, and $50K for emergency medical evacuation.
You can select any insurance provider available in American Visitor Insurance that offers J1 visa group medical insurance and meets the minimum coverage requirements set by the U.S. Department of State.
Yes, J1 visa group medical insurance in American Visitor Insurance typically allows you to purchase coverage for your accompanying dependents (spouse and children) who are also on J2 visas.
Yes, J1 visa group medical insurance plans are usually available for the duration of your J1 visa program, with options to purchase coverage for shorter or longer periods, depending on your needs.
If your J1 visa program is extended, most insurance providers in American Visitor Insurance allow you to extend your insurance coverage accordingly. It's crucial to check with your insurance provider about extension options.
Some J1 visa group medical insurance plans in American Visitor Insurance offer limited coverage for travel outside the USA, but the primary focus is on providing coverage during your stay within the USA.
To file a claim, you will need to contact your insurance provider's claims department and follow their specific procedures for claims submission.
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