What are the best J Visa insurance to USA?
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Patriot America Plus Insurance Comprehensive
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Rating
A(Excellent) - health_and_safety
Plan life
5 days to 364 days - gavel
Underwriter
Sirius International - ecg_heart
Acute onset of a pre-existing condition
Covers up to the age of 70 years - attach_money
In network: Plan pays 100% up to policy maximum
Out of network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Direct billing: Through First health care network or United healthcare - local_hospital
Medical Evacuation
Upto 50,000
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Max Coverage
$50K, $100K, $500K, $1M - description
Deductible
$0, $100, $250, $500, $1k, $2.5k - trending_up
Cost Range
$98.43Buy now
Patriot Exchange Insurance Comprehensive
- star
Rating
A- (Excellent) - health_and_safety
Plan life
12 months - gavel
Underwriter
Sirius International Insurance - ecg_heart
Pre-existing condition
$1.5K lifetime maximum - attach_money
In network: Plan pays 90% and insured pays 10%
Out of network: Plan pays 80% and insured pays 20%
Direct billing: Through United healthcare - local_hospital
Medical Evacuation
Up to $50K
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Max Coverage
Max limit up to $5M - description
Deductible
$0, $100, $250, $500 - trending_up
Cost Range
$74Buy now
Student Health Advantage Insurance Comprehensive
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Rating
A- (Excellent) - health_and_safety
Plan life
Up to max 5 years - gavel
Underwriter
SiriusPoint Specialty Insurance - ecg_heart
Pre-existing condition
Waiting period of 12 months - attach_money
In network: Plan pays 90% and insured pays 10%
Out of network: Plan pays 80% and insured pays 20%
Direct billing: Through United healthcare - local_hospital
Medical Evacuation
$500K maximum limit
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Max Coverage
Standard plan: $500K
Platinum plan: $1M - description
Deductible
$100 per illness or injury - trending_up
Cost Range
$115 - $343Buy now
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Student Secure Insurance Comprehensive
- star
Rating
A++ (Superior) - health_and_safety
Plan life
5 days to 364 days - gavel
Underwriter
Lloyd's - medical_services
PPO
- ecg_heart
Acute onset of a pre-existing condition
Up to the $25K lifetime maximum - local_hospital
Medical Evacuation
Up to the lifetime limit
- attach_money
Max Coverage
Up to 500K - description
Deductible
$0 - trending_up
Cost Range
$30 - $176Buy now
StudentSecure Smart Insurance Comprehensive
- star
Rating
A++ (Superior) - health_and_safety
Plan life
5 days to 364 days - gavel
Underwriter
Lloyd's - ecg_heart
Acute onset of a pre-existing condition
Up to the $25K lifetime maximum - attach_money
In network: Plan pays 80% of the next $100,000 of eligible expenses after the deductible, then 100% to the overall maximum limit
Out of network: After the deductible, the plan pays 100% of eligible expenses up to the overall maximum limit.
Direct billing: Through United healthcare - local_hospital
Medical Evacuation
Up to the lifetime limit
- attach_money
Max Coverage
Up to 500K - description
Deductible
$0 - trending_up
Cost Range
$30 - $176Buy now
Student Secure Budget Insurance Comprehensive
- star
Rating
A++ (Superior) - health_and_safety
Plan life
5 days to 364 days - gavel
Underwriter
Lloyd's - ecg_heart
Acute onset of a pre-existing condition
Up to the $25K lifetime maximum - attach_money
In network: Plan pays 80% of the next $45,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
Out of network: After the deductible, the plan pays 100% of eligible expenses up to the overall maximum limit.
Direct billing: Through United healthcare - local_hospital
Medical Evacuation
Up to the lifetime limit
- attach_money
Max Coverage
Up to 500K - description
Deductible
$0 - trending_up
Cost Range
$30 - $176Buy now
Student Secure Select Insurance Comprehensive
- star
Rating
A++ (Superior) - health_and_safety
Plan life
5 days to 364 days - gavel
Underwriter
Lloyd's - ecg_heart
Acute onset of a pre-existing condition
Up to the $25K lifetime maximum - attach_money
In network: Plan pays 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
Out of network: After the deductible, the plan pays 100% of eligible expenses up to the overall maximum limit.
Direct billing: Through United healthcare - local_hospital
Medical Evacuation
Up to the lifetime limit
- attach_money
Max Coverage
Up to 500K - description
Deductible
$0 - trending_up
Cost Range
$30 - $176Buy now
Student Secure Elite Insurance Comprehensive
- star
Rating
A++ (Superior) - health_and_safety
Plan life
5 days to 364 days - gavel
Underwriter
Lloyd's - ecg_heart
Acute onset of a pre-existing condition
Up to the $25K lifetime maximum - attach_money
In network: Plan pays 80% of the next $10,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
Out of network: After the deductible, the plan pays 100% of eligible expenses up to the overall maximum limit.
Direct billing: Through United healthcare - local_hospital
Medical Evacuation
Up to the lifetime limit
- attach_money
Max Coverage
Up to 500K - description
Deductible
$0 - trending_up
Cost Range
$30 - $176Buy now
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Diplomat America Insurance Comprehensive
- star
Rating
A (Excellent) - health_and_safety
Plan life
15 days to 365 days - gavel
Underwriter
Crum & Forster,SPC - ecg_heart
Pre-existing condition
Covers after 24 months of waiting period - attach_money
In network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Out of network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Direct billing: No PPO - local_hospital
Medical Evacuation
Up to $250K
- attach_money
Max Coverage
Maximum limit up to $1M - description
Deductible
$0, $50, $100, $250, $500, $1k, $2.5k, $5k - trending_up
Cost Range
$163Buy now
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J Visa insurance reviews
"I had a no-problem trip but Seven corners was easy to deal with in the securing of the travel insurance and dealing with a few issues prior to departure."
Karen
"I have always gotten a quick response with a live person. I placed a claim, we will see it their payment to me is as good as their customer service is."
Margaret
"Good policy options and pricing. Like to purchase high coverage for medical without covering full cost of trips - like the options Seven Corners provides."
Connie
J1 Visa health insurance requirements
The U.S. Department of State requires the following health insurance requirements to ensure adequate coverage during their stay in the United States.
- Medical Expenses: Provides coverage for hospitalization, outpatient expenses, prescription medications with a minimum coverage of $100,000 per incident.
- Emergency Medical Evacuation: Provides at least $50,000 coverage for transportation expenses to a medical facility in case of emergencies.
- Repatriation of Remains: Offers a minimum of $25,000 coverage for return of mortal remains to return to the home country in case of death.
- Accidental Death and Dismemberment: Provides the covered benefits in case of accidental death and dismemberment.
- Mental Health Coverage: Includes coverage for mental health related expenses.
- Pre-existing conditions: Most of the plans include coverage for acute onset of pre-existing conditions.
- PPO Network: If the services received are within the PPO network for an incident, then the chance of direct billing is greater.
- Deductibles: Should not exceed $500 per accident or illness.
Additionally, the insurance provider must be licensed by the state or have a financial rating that meets Department of State standards (an A- or above rating by AM Best or a similar rating by a recognized agency). These requirements ensure J-1 Visa holders are adequately protected during their stay in the U.S.
J Visa health insurance and J Visa letter
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.
How much does j1 visa insurance cost?
The cost of j1 visa scholars starts from $30 per month and goes up to $730 per month. The cost is dependent on the age of the student, the plan maximum and the deductible.
J1 Visa insurance cost
| Plan Name | Maximum Coverage | Deductible | 18 – 24 Years | 25 – 30 Years | 31 – 40 Years |
|---|---|---|---|---|---|
| Student Journey Lite | $150,000 | $100 | $30 | $48 | $74 |
| Student Secure Smart | $200,000 | $0 | $32 | $67 | $167 |
| Student Journey Plus | $300,000 | $500 | $53 | $93 | $116 |
| Student Secure Budget | $500,000 | $0 | $53 | $100 | $236 |
| Patriot Exchange Program | $50,000 | $250 | $56 | $74 | $74 |
| Student Journey Platinum | $500,000 | $250 | $96 | $195 | $293 |
| Student Health Advantage Standard | $500,000 | $250 | $118 | $139 | $250 |
| Student Secure Select | $1,000,000 | $0 | $106 | $240 | $538 |
| Student Health Advantage Platinum | $1,000,000 | $100 | $353 | $408 | $730 |
The average cost of students based on the quotes for month. Source: AMERICAN VISITOR INSURANCE®
How hard is it to get a J-1 visa?
A J-1 Visa can be relatively easy to obtain if you meet the eligibility criteria for an approved exchange program and maintain enough ties with your home country, financial stability, and a valid reason for an exchange. However, the process involves gathering documents, appearing for an interview, and security checks, which may take time and careful preparation. The convenience of obtaining the Visa could also depend on your situation and the current Visa policies.
What is a J1 Visa interview?
A J-1 Visa interview is part of the application process where a U.S. consular officer evaluates an applicant’s eligibility for the exchange visitor visa. During the interview, applicants must demonstrate their intent and ability to participate in an approved exchange program, provide proof of financial support, and and strong ties toward his or her home country to confirm they will return after the program. The interview typically involves questions about the program, educational background, and future plans, along with a review of submitted documents such as the DS-2019 form and passport.
J1 Visa Insurance - Faq's
Individuals who are coming to the US on J1 and J2 visas are eligible to purchase the Exchange Visitor Insurance plans. Here are the details:
- J1 Visa holders: Anyone who is participating in the US Department of State approved Exchange Visitor Programs, such as Students, Scholars, Researchers, Teachers and au pairs.
- J2 Visa holders: The spouse and children who are the dependents of the J1 Visa holder on J2 Visas are eligible.
- Program sponsors: Some programs require specific insurance coverage as part of their sponsorship and participants must ensure that these requirements are met.
At American Visitor Insurance we offer best J1 Visa health insurance quotes which satisfy the U.S. Department of State J Visa requirements. J1 Visa holder need to input their age, duration of stay, and any specific needs. They can compare the features, deductibles, and J1 Visa insurance cost to find the plan that fits your requirements. While choosing USA health insurance for J Visa also ensure that the plan satisfies the minimum coverage mandated by U.S. law.
Exclusions are the situations or conditions that are not covered by your J Visa medical insurance plan. For example, some plans may exclude pre-existing medical conditions, maternity care, mental health disorders, substance abuse, sports injuries, etc. You should compare the best J1 Visa health insurance benefits on American Visitor Insurance and read the policy certificate carefully to understand what is excluded from your coverage.
If you need to file a claim for your J1 Visa health insurance, you should follow these steps:
- Contact your insurance company as soon as possible and inform them about your situation.
- Fill out the claim form and attach any supporting documents, such as receipts, bills, medical reports, etc.
- Submit the claim form and documents to your insurance company by mail, fax, email, or online portal.
- Wait for your claim to be processed and approved by your insurance company.
- Receive your reimbursement or payment from your insurance company.
How can I find the right insurance to satisfy J Visa insurance needs?
Getting a policy to satisfy J Visa requirements is easy at America Visitor Insurance! You can simply use our Best J Visa health insurance compare engine, enter ages of J Visa holders and the dates you need the insurance. There are J1 Visa insurance options available, all of which will provide a ‘visa letter’ that you can submit to show you have insurance that meets their requirements.
If you only need insurance for dependents because your institution is covering your own insurance (as J1, so you only need for J2 dependents), then, you can opt for the Patriot Exchange plan which allows the J2 dependents to be ‘alone’ (without the J1 person) on their own policy. Most other companies will require the J1 to be the ‘primary’ insured on the policy. Note that you will have to pay up front for all the dates you sign up for as a one-time payment.
What are the advantages of buying US plans to satisfy J Visa insurance requirements?
- 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.
Medical insurance for J Visa holders in USA
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