US J1 Visa Insurance

The US government regulations require all J1 exchange scholars coming to the US to have clearly defined medical coverage for themselves and any J2 dependents. This coverage is required throughout the program validity period. Indian and Chinese students / scholars who are coming to the USA on a J visa can buy these plans.

Answer the questions below, and click on the 'View All Plans' button to get instant quotes from different insurance providers. All these plans satisfy J visa requirements. You can compare the plan benefits, select the plan you like, and buy the policy online.

J1 Exchange Insurance

1. Age
Spouse
2. Dependents under 18
 
 
 
 
 
 
3. Maximum Medical
4. Deductible amount
5. Coverage Dates
Start Date:
End Date:   months days
4. Mailing address & permanent address
   Same
4. Are you registered for courses?

Consular Health Insurance Requirements for Exchange Scholar Visa (J1 visa)

  • According to the US Department of State guidelines established for the J Visa program the following insurance requirements to maintain J1 / J2 status are:
  • The J1 exchange visitor visa health insurance policy must provide medical benefits of at least $50,000 for each accident or illness. " However, starting May 15, 2015 this maximum will be increased to $100,000. Students with existing policies should be able to "upgrade" their policies this one time by paying the increased rate.
  • If due to serious medical illness or accidental injury, the insured must be sent home on the advice of a doctor, the policy must cover upto $10,000 for the travel expenses due to the medical condition.
  • If a J visa holder dies in the United States, then the policy must provide repatriation benefits of at least $7,500 to send the mortal remains to the home country of insured for cremation / burial.
  • Exchange visitor medical insurance policy usually have a waiting period before it covers pre-existing conditions (ie health problems you had before you bought the insurance), as long as the waiting period which is reasonable by current standards in the insurance field.

If the insured elect to satisfy the insurance requirement through a policy issued in the insureds home country, the policy must be backed by the full faith and credit of the home country 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).

Steps to Buy US Exchange Scholars Health Insurance

  • Provide the relevant information in the form above and click on the 'get quote' button.
  • You will be provided with a list of eligible plans along with all the other relevant information such as the premium (cost), the medical coverage details, the underwriter, the provider network.
  • You can buy the appropriate medical insurance plan that you like by clicking on the 'BUY' button.
  • You will have to complete an online application and pay using a credit card.
  • On completing the transaction, you will receive an email confirmation with the insurance details as well as a virtual insurance card.
  • Indian and Chinese students /scholars who are visiting the USA with J visa can purchase this insurance policy.
  • J visa insurance plans along with satisfying consular requirements is very useful given the expensive health care system in America.

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