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J1 visa health insurance.
Health insurance for J1 visa
People entering to USA on J1 visa for Exchange program, visitors, scholars, au-pairs, trainees, research students etc must have a valid health insurance which meets certain basic criteria set by the Dept of State / visa authorities..
For J-1 Visa holders health insurance is not an option, it’s a requirement.
If you are applying for a US visa as an exchange visitor, then the first thing you might want to consider before applying for your J-1/Au-Pair visa is health insurance.
Here are a few facts you need to look into before applying for health insurance and filing your visa application.
Eligibility
J-1 exchange visitor visa is issued by the United States government to people partaking in academic or cultural programs sponsored by schools, businesses, organizations and institutions. Individuals are granted a J-1 Exchange Visitor Visa, if they are visiting the US as an au-pair, nanny, student, scholar, trainee, teacher, professor, research assistant, medical graduate or international visitor and participating in a program of studies, training, research, or a cultural enrichment program.
J1 Visa Health Insurance Requirements:
The US Department of State expects all Au-Pair/ J-1 visa holders and their dependents, who are on J-2 visa to provide adequate proof of health insurance, in addition to financial security.
The medical insurance coverage must meet the following minimum benefits:
- Medical coverage of at least $50,000 for an illness or accident, which means that the J-1/Au-Pair visa holder’s medical insurance policy must have a policy maximum of at least $50,000 in the event of any eventuality.
- The policy must cover up to $7500 in repatriation benefits. This implies that if the Au-Pair/J1 visa holder dies in the US, his/her remains would be transported back to his/her home country for burial.
- The medical insurance is also expected to cover medical evacuation to the J-1/Au-Pair visa holder’s home country to the tune of $10,000.
- The deductible amount must not exceed $500.
Medical insurance policies meeting the benefit requirements must be underwritten by an insurance corporation which has the following features:
- A.M. Best rating of “A-” or above
- Insurance Solvency International Ltd. (ISI) rating of “A-I” or above
- Standard and Poor’s Claims Paying Ability rating of “A-” or above
- Weiss Research Inc. rating of “B+” or above
The Visa sponsor, whether it is an institution or individual, may also have ascertain to the best of his/her knowledge that the medical insurance policy purchased by the Au-Pair/J-1 visa holder is in good financial standing since it is by a reputed insurance corporation.
For the best medical insurance deals for Au-Pair/ J-1 visa holders please visit "J1 visa medical insurance or Call Toll Free to talk to an expert health insurance specialist at 866-384-9104.
Refer to J1 Visa FAQ section to get answers to most your questions about J1 visa health insurance.
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