J1 Visa Insurance by IMG, Patriot Exchange J Visa Insurance, health Insurance to satisfy J visa requirements

IMG: Plans offering J1 visa insurance

Patriot Exchange

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Patriot Exchange Insurance Eligibility
- Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types: F1/F2, J1/J2, M1/M2 or A1/A2
- Be at least 31 days old but not yet 65 year old.
- Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal.
- Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.
IMG J1 visa insurance
- This plan is very popular among the IMG J1 visa insurance and F1 Visa holders.
  
  Patriot Exchange Plan satisfies J Visa (exchange student visa) insurance requirements and is popular with students from China and India. J2 and F2 holders can also buy this plan without J1 and F1 being on the plan.
  J Visa requirements
  
  Maximum medical benefits of at least $50,000 per accident or illness.
  
  Repatriation of remains coverage of $7,500.
  
  $10,000 coverage for expenses associated with the medical evacuation of the exchange visitor to his or her home country.
  
  A deductible not to exceed $500 per accident or illness.
Coinsurance
- In Network - The plan pays 10% of the first $10,000 with an out of pocket maximum of $1000.
- Out of Network - The plan pays 20% with no cap.
- Outside USA - No Coinsurance
Patriot Exchange Insurance pre-existing condition coverage
- Pre-existing conditions:
  For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum.
- Sudden recurrence of pre-existing conditions (for US citizens):
  Medical - Up to $5,000 of the eligible expenses;
  Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses
Patriot Exchange Insurance Optional Riders
- The Student can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
- Adventure Sports rider
  Adventure Sports rider
  
  Available for those up to the age of 65 years.
  
  Activities Covered upto lifetime maximum: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing
  
  Each and every activities are carried out in strict adherence with the instruction, best practices, and recommendations for safe practices as prescribed by a Governing Body or Authority.
  
  Age 0-49 years: $50,000 lifetime maximum
  
  Age 50-59 years: $30,000 lifetime maximum
  
  Age 60-64 years: $15,000 lifetime maximum
  
  Limited High School & College Sports
  
  Coverage
  
  100%
  
  Baggage
  
  Loss/Stolen Baggage
  
  250%
  
  Loss/Stolen Valuables
  
  250%
  
  Loss/Stolen Personal Papers
  
  250%
  
  Legal Assistance
  
  Attorney Binder Fee
  
  100%
  
  Personal Liability
  
  Injury to a Third Person
  
  Per Injury Deductible: $100
  Coverage Limit: $2,000
  
  Damage to Third Person’s Property
  
  Damage Deductible: $100
  Coverage Limit: $500
- Chaperone/Faculty Leader Replacement Rider
  Chaperone/Faculty Leader Replacement Rider
  
  All Insured Persons who have elected the Chaperone / Faculty Leader Replacement Rider will be entitled to the benefits listed below.
  
  Chaperone / Faculty Leader Replacement: $3,000 lifetime maximum

Student Health advantage

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Student Health Insurance Eligibility
- Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types:F1/F2, J1/J2, M1/M2 or A1/A2
- Be at least 31 days old but not yet 65 year old.
- Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal.
- Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.
Coinsurance
- Charges incurred outside the US and canada - Company pays 100%
- Charges incurred inside the US and canada - In PPO or Student Health Center - Company pays 100%; Out of PPO network (PPO network for Student Health Advantage Insurance ) - Company pays 80% of the eligible expenses up to $5,000; then 100% thereafter.
Optional Riders for Student Health Advantage Plan
- The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
- Adventure Sports rider
  Adventure Sports rider
  
  Activities Covered upto lifetime maximum: Abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing.
  
  Each and every activities are carried out in strict adherence with the instruction, best practices, and recommendations for safe practices as prescribed by a Governing Authority.
  
  Age 0-49 years: $50,000 lifetime maximum
  
  Age 50-59 years: $30,000 lifetime maximum
  
  Age 60-64 years: $15,000 lifetime maximum

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