J1 Visa Insurance

J1 Visa scholar insurance is applicable for J1 visa holders (Exchange scholars in the US) and J-2 visa holders (spouse and dependents of J1 scholars). The US consulates have mandated certain J1 visa insurance requirements for J1/J2 visa holders. Compare and buy the cheapest insurance for J1 visa from top rated insurance companies. These affordable J visa repatriation and evacuation insurance satisfy J1 visa requirements as mandated by the US consulate. The health insurance USA J-1 research scholar insurance is very popular among international scholars coming to the USA.

Compare J1 Visa Insurance (US Exchange Scholar visa insurance)

Health insurance for international students in the USA without coverage for Coronavirus

Given the Coronavirus pandemic, we have been receiving calls from several international students who are stranded in the United States without any medical insurance to cover them for COVID-19. This is because their existing student insurance policy either excludes coverage for Coronavirus or these students do not have any proper medical insurance coverage.
In this context , INF insurance offers the INF Elite Network Insurance and INF Advantage Insurance options for international students in the US and needing Coronavirus insurance coverage. The INF travel insurance policy is good if you are replacing an existing student policy that has expired or maybe you didn't have an insurance policy to begin with. International students in the US can purchase these plans. The INF Advantage plan is quite affordable and students are even buying this plan to supplement their existing insurance if it does not have coverage for COVID-19.
Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

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. Some plans even have free coverage for children below ten years.
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.
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Advantage of buying US plans to satisfy J visa insurance!

  • 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.
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J1 Visa Group travel insurance

Exchange scholars traveling overseas in groups can purchase the group insurance plans. This makes it a lot easier to administer the plan and these plans are cheaper than buying individual insurance plans.

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We have many plans that satisfy J visa requirements and work ideally for J1 and J2 Visa holders. Some of the US health insurance plans require the J1 Visa holder to be the primary applicant for the J2 visa holder to be eligible. If only the J2 visa applicant alone needs a plan we have a popular health insurance plan by International Medical Group (IMG) known as Patriot Exchange. Please find the details of this plan here:
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While we cannot state whether or not they cover J2 Visa holders completely, they might not meet the specific J visa health insurance requirements as defined by the immigration authorities. The J2 visa eligibility and medical insurance coverage is dependent on the J1 exchange program.

Yes, a visiting scholar can come to the US on a B-1 "visitor for business" visa. Under Certain situations a person on a B-1 visa status is permitted by the U.S. Citizenship and Immigration Service (USCIS) regulations to be reimbursed for expenses, and, under the amended law, can also be paid an honorarium. Visiting scholars who are going to meet all of their own expenses can also come in B-1 status. Getting a B-1 visa does not require any formal immigration document from the University. To obtain a B-1 visa, a prospective scholar should have an invitation letter from the department with which the scholar will be affiliated, detailing the dates and activities of the contemplated visit, and indicating what if anything is to be provided in the way of reimbursements and honoraria.

The Department of State views health insurance as very, very important! The regulations require that your J program sponsor should terminate your status in the U.S. as a J visa holder if you willfully fail to comply with the J visa insurance requirement.

Most health insurance policies available for foreign scholars requires that the J1 visa holder be the primary applicant on the insurance policy. However there is one policy offered by International Medical Group (IMG) which can be purchased only by the J2 visa dependent as long as the J1 scholar is insured by the institution sponsoring the J visa holder. This policy is the Patriot Exchange plan. The Patriot Exchange insurance plan by IMG is very economical and with many excellent benefits. One advantage of the policy is that if the insured has access to a health center, they only pay a $5 copay (instead of the usual $100 deductible). As a copay, this is payable at every visit, however, even many visits will be cheaper than a single $100 deductible. A disadvantage to this Patriot Exchange policy is that there is no maternity coverage and no coverage for pre-existing conditions. For more details on IMG’s Patriot Exchange, including brochure and pricing, please use these web-links:
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US Department of State J-1 visa health insurance requirements (as of 2020) for evacuation and repatriation

The US Department of State has established the following insurance requirements to maintain the J1 Visa or J2 Visa status:
  1. J1 Scholar (Exchange Scholar) Health Insurance policy must provide "medical benefits of at least $100,000 for each accident or illness."
  2. 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.
  3. The J-1 exchange visitor health insurance deductible should not exceed $500 per accident or illness.
  4. 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%.
  5. 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.
  6. 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.
  7. 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).
  8. 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.

Liaison Medievac Insurance satisfies J visa requrements: Need for Liaison Medievac insurance.

The Affordable Care Act (ACA) compliance requires the student insurance plan to include Medical evacuation coverage. The J1 Visa requirements include minimum coverage for Medical Evacuation of $50,000 and Repatriation of Remains of $25,000. Most university insurance do not provide this medical evacuation coverage, and students do not realize that they are not meeting the J1 Visa requirements. The Liaison Medical Evacuation & Repatriation Insurance offers coverage for medical evacuation of $50,000 and satisfies the J visa requirements.
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