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US J1 Visa Insurance, Health insurance for US J visa

Find best health insurance for j1 visa holders by US insurance providers. Compare plan benefits, select best insurance for j1 visa for your needs and buy the J visa insurance online. All these plans satisfy J visa requirements.

Compare J1 Visa Insurance (US Exchange Scholar visa insurance)

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Overview

If you are coming to the USA on a J1 visa as an exchange scholar, it is vital that you have appropriate health insurance coverage during your entire stay. The US Department of State mandates that all J1 visa holders, including exchange scholars, and their accompanying dependents have health insurance that meets certain minimum requirements. Here are some important points to know about health insurance for J1 exchange scholars:

  1. J visa insurance minimum requirements: J1 visa regulations require that your health insurance coverage must meet these specific minimum requirements:
    • Medical benefits of at least $100,000 per accident or illness.
    • Repatriation of remains in the amount of $25,000.
    • Medical evacuation coverage to your home country in the amount of $50,000.
    • A deductible not to exceed $500 per accident or illness.
  2. Coverage for Dependents: If you have dependents on a J2 visa (spouse and/or children) accompanying you on your J1 exchange program, they are also required to have health insurance that meets the minimum requirements set by the U.S. Department of State.
  3. Insurance Period: Your J visa health insurance coverage must be maintained for the entire duration of your J1 visa program. This includes the duration of the program as stated on your DS-2019 form, including any grace period after the program ends.
  4. Insurance Verification: You may be asked to provide proof of health insurance coverage to your J1 program sponsor. It is important to keep a copy of your J visa insurance policy and other relevant documents handy for verification purposes.
  5. Coverage for Pre-existing Conditions: While J1 visa insurance plans are not required to cover pre-existing conditions, some plans offered on American Visitor Insurance offer coverage for acute onset of pre-existing conditions. It is essential to understand the details of the coverage and any exclusions related to pre-existing conditions.
  6. Additional Coverage: In some cases, you may find that the J visa insurance coverage provided by your sponsor does not fully meet your needs. If you want additional coverage or benefits, you may explore additional insurance options on American Visitor Insurance.

Note that having proper US health insurance coverage is not only a J visa requirement but also crucial for your well-being and financial protection during your stay in the US. Make sure to carefully review the insurance plan details, coverage limits, exclusions, and any additional benefits before purchasing the policy on American Visitor Insurance. If you have any questions or concerns about your J1 visa health insurance, you can contact American Visitor Insurance at 877-340-7910 to get help from licensed agents.

J visa medical insurance, Health insurance for J1 visa

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 (j2 health insurance). 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. Compare and buy affordable J1 scholar health insurance from popular and excellent rated insurance companies.

What does J visa insurance cover?

The U.S. Department of State requires J-1 and J-2 visa holders (exchange scholars and their dependents) to have adequate health insurance coverage for the full duration of their stay in the US. The specific health insurance requirements for J visa holders are detailed in the Department of State regulations.

The key terms and conditions related to J visa health insurance are:

  • Minimum Coverage Amount: The J1 visa health insurance plan must provide the following minimum level of coverage.
  • Medical benefits of at least $100,000 per accident or illness.
  • Repatriation of remains in the amount of $25,000.
  • Medical evacuation coverage of at least $50,000.
  • Deductibles not to exceed $500 per accident or illness.
  • Pre-existing Conditions Coverage: The insurance plan must cover pre-existing conditions. However, there may be waiting periods before coverage for pre-existing conditions becomes effective.
Co-Insurance and Co-Payment:

The J visa medical insurance plan may have co-insurance and co-payment requirements, where the insured is responsible for paying a certain percentage of the medical costs (co-insurance) or a fixed amount for each medical service or prescription (co-payment).

Medical Evacuation and Repatriation:

The J visa health insurance for exchange scholar must include coverage for medical evacuation to the home country if necessary for medical treatment and repatriation of remains in the event of death.

Network of Providers:

Some medical insurance plans for J1 visa may have a network of medical providers and hospitals where participants can receive discounted services. However, J visa holders are not restricted to using only the providers within the network.

Duration of Coverage:

The US J visa insurance plan must cover the entire duration of the J visa holder's program in the United States. If the J-1 visa holder's program is extended, the insurance coverage must be extended accordingly.

Dependent Coverage:

J2 visa health Insurance plans must offer coverage for any dependents (spouse and children) accompanying the J visa holder to the United States.

It's important for J visa exchange scholars to carefully review the terms and conditions to ensure it complies with the specific requirements set by the U.S. Department of State. J visa health insurance is not only a regulatory requirement but also essential for protecting the well-being of the visa holder and their dependents during their stay in the United States. J visa holders can find excellent J visa insurance plans on American Visitor Insurance which satisfy the US Department of State requirements.

Resourceful insurance for J visa benefits information to look out for while buying medical Insurance

J visa holders should review the following on American Visitor Insurance while buying the J visa health insurance

  • Acute onset of Pre-existing conditions, look back period
  • Childbirth, pregnancy, and maternity
  • Injury from high-risk sports
  • Mental health care
  • Renewability of J visa insurance
  • Co-insurance and deductible options

Renewability and Deductible in an extended /renewed J visa insurance

Not all plans are renewable, so check on the renewability of the J visa insurance plan. Most health insurance plans for j visa can be extended based on the their requirement. When the policy is extended, the deductible is usually reset.

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

Satisfy J1 visa insurance requirements

Following are the j1 visa health insurance requirements:

  • According to the US Department of State guidelines established for the J Visa program the following j visa health insurance requirements to maintain J1 / J2 status are:
  • J1 Scholar (Exchange Scholar) Health Insurance policy must provide "medical benefits of at least $100,000 for each accident or illness
  • 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 up to $50,000 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 $25,000 to send the mortal remains to the home country of insured for cremation / burial.
j1 visa medical insurance
  • 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.
  • 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 the insured elect to satisfy the health insurance requirements for the j1 visa 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 Best US J1 Visa Exchange Scholars Health Insurance

  • Provide the relevant information in the J1 visa health insurance 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 cheap insurance for j1 visa.
  • J visa insurance plans along with satisfying consular requirements is very useful given the expensive health care system in America.

J1 visa exchange scholar health insurance cost in USA

How much does J visa medical insurance cost?

The cost of health insurance for exchange scholars or J1 visa holders depends on different factors like the scholar’s age, maximum medical coverage, deductible and co insurance. Also depends on coverage for mental illness, dental expenses, hazardous sports, maternity and pre-existing diseases. Following are the best medical insurance cost for US J visa holders

  • IMGInternational Medical Group (IMG)
    Student Insurance Plans Key Features Medical limit ranges Deductible Price range
    Patriot Exchange
    • Plan and meets J visa requirements and F Visa for international students
    • Covers Pre-existing conditions
    • Covers Covid19 illness
    • Available for J1/J2 Visa, F1/F2 Visa, M1/M2 or A1/A2 Visa holders
    $50K to $500K $0 to $500 $64.80 - $86.40 Buy now
    Student Health Advantage
    • Standard plan provides a policy maximum of $500,000 and a $100,000 for a dependent
    • Pre-existing condition coverage is available after a waiting period of 12 months
    • Available for J1/J2 Visa, F1/F2 Visa, M1/M2 or A1/A2 Visa holders
    $500K $0 $89.00 Buy now
    Student Health Advantage Platinum
    • Platinum plan provides a policy maximum of $1000,000 and $100,000 for a dependent
    • Pre-existing condition coverage is available after a waiting period of 6 months
    • Available for J1/J2 Visa, F1/F2 Visa, M1/M2 or A1/A2 Visa holders
    $1M $25 $272.00 Buy now
  • WorldTripsWorldTrips
    Student Insurance Plans Key Features Medical limit ranges Deductible Price range
    StudentSecure Elite
    • Plan meets J-1 visa requirements
    • Pre-existing conditions are covered after a 6 month waiting period
    • Coverage for international students studying abroad outside their home country
    • Plan provides a policy maximum of $500,000 and Certificate period maximum of $5000,000
    $500K $50 $176.00 Buy now
    StudentSecure Select
    • Coverage for international students studying abroad outside their home country
    • Plan provides a policy maximum of $300,000 and Certificate period maximum of $600,000
    • Maternity care for covered pregnancy is covered for up to $10,000
    • Pre-existing conditions are covered after a 6 month waiting period
    • Plan meets J-1 visa requirements
    $300K $70 $95.70 Buy now
    StudentSecure Budget
    • Coverage for international students studying abroad outside their home country
    • Plan provides a policy maximum of $250,000 and Certificate period maximum of $500,000
    • Maternity care for covered pregnancy is covered for up to $5,000
    • Pre-existing conditions are covered after a 12 month waiting period
    • Plan meets J-1 visa requirements
    $250K $90 $42.30 Buy now
    StudentSecure Smart
    • Coverage for international students studying abroad outside their home country
    • Plan provides a policy maximum of $100,000 and Certificate period maximum of $200,000
    • It is lowest cost plan with lowest maximum benefits and highest deductible
    • Plan meets J-1 visa requirements
    $100K $100 $30.60 Buy now
  • GeoBlueGeoBlue
    Student Insurance Plans Key Features Plan Maximum Deductible Estimate Plan Cost
    Navigator Student
    • Provides UNLIMITED annual and lifetime medical maximum with no waiting period for preventive services
    • Plan covers pre-existing conditons with creditable coverage
    • Offers worldwide coverage for students in United States
    • Plan options that meet F1 and J1 Visa requirements
    Unlimited Coverage $0 $289 Buy now
  • Travel InsureTravel Insure
    Student Insurance Plans Key Features Plan Maximum Deductible Estimate Plan Cost
    Study USA Basic
    • Affordable student medical insurance to foreign students studying in the US and outside of the US students studying abroad
    • Plan provides policy maximum up to $100,000
    • Meets J Visa requirements
    $100K $500 $38.60 Buy now
    Study USA Standard
    • Affordable student medical insurance to foreign students studying in the US and outside of the US students studying abroad
    • Plan provides policy maximum up to $100,000
    • Meets J Visa requirements
    • Offers coverage for maternity
    $100K $250 $53.30 Buy now
    Study USA Preferred
    • Affordable student medical insurance to foreign students studying in the US and outside of the US students studying abroad
    • Plan provides policy maximum up to $300,000
    • Meets J Visa requirements
    • Offers coverage for maternity
    $300K $150 $83.00 Buy now
    Study USA Platinum
    • Affordable student medical insurance to foreign students studying in the US and outside of the US students studying abroad
    • Plan provides policy maximum up to $500,000
    • Meets J Visa requirements
    • Offers coverage for maternity
    $500K $100 $94.10 Buy now
balancetravel

Reviews of popular J1 visa Insurance plans

Reviews of J1 exchange scholar insurance plans in USA. Compare and buy J1 exchange visitor insurance plans.

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US J1 Visa Insurance frequently asked questions

Yes, you can get insurance with a J-1 visa on American Visitor Insurance. It is as a matter of act a mandatory requirement for J-1 visa holders and their J-2 dependent family members during their stay in the United States to the proper J visa insurance. The U.S. Department of State requires all J visa participants to have adequate medical insurance coverage for the entire duration of their J-1 program.

To comply with the J-1 visa health insurance requirements, you must compare and purchase a J visa insurance plan. American Visitor Insurance offers J visa insurance plans that meets the specific criteria set by the U.S. Department of State. The insurance plan should provide minimum coverage amounts for medical expenses, medical evacuation, repatriation of remains, and have a deductible that does not exceed a certain amount.

J-1 visa health insurance, also known as J visa insurance or J-1 visa medical insurance, is a type of US health insurance specifically designed to meet the requirements of J-1 and J-2 visa holders (exchange visitors and their dependents) during their stay in the USA. It is a mandatory requirement set by the U.S. Department of State for all J visa participants. J visa holders can compare and buy the best J visa insurance for their needs on American Visitor Insurance.

Health insurance for J visa is a mandatory requirement by the US Department of State (DOS). J visa health insurance is required for all J visa holders and their dependents (J-2 visa holders). The US Department of State requires that exchange visitors and their dependents have adequate health insurance coverage for the entire duration of their program to protect them from the high cost of medical care in the US and to ensure that they do not become a public charge.

The health insurance requirements for J visa by the US Department of State are as follows:

  • The plan must cover medical benefits of at least $100K per accident or illness
  • The plan must have a deductible of no more than $500 per accident or illness
  • The plan must cover repatriation of remains of $25K
  • The plan must cover any expenses related to emergency medical evacuation to your country of residence amounting to $50K

You can compare and buy health insurance for J visa easily on American Visitor Insurance online. You can enter your details, such as age, program duration, policy maximum, deductible, etc., and get instant quotes from various plans that meet the DOS requirements. You can also compare the benefits, exclusions, limitations, and reviews of each plan and choose the one that best suits your needs and budget.

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Covid19 J1 visa coronavirus insurance for exchange scholars in the US

There are many J1 visa holders currently in the US either without proper J visa coronavirus health insurance, or having medical insurance that does not provide coverage for Covid19. At American Visitor Insurance, we are committed to getting you the best Covid19 J1 visa medical insurance coverage available in these uncertain times.

These are some of the few Covid19 J1 visa health insurance.

These plans satisfy J visa requirements and cover medical expenses arising from Covid19 illness. The Covid19 treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

There are also many J1 visa holders currently stranded in the US who are not enrolled in any courses. In this situation they are not limited to buying j1 visa insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and ideal for exchange scholars in the US while they are not enrolled in courses. J1 visa holders can review and compare visitor insurance plans and find Covid19 USA J1 travel insurance coverage that fit your needs. Please know we are here to help you make the best, informed decision to get Covid19 J visa health insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Health insurance for J1 visa holders Companies