Insurance plans cover international students from unexpected medical bills while studying in the US.
International students can reside temporarily in the US, depending on their selected academic programs. They can enter the US via J1 and F1 visas. J1 visa holders are exchange students who have come to take part in cultural exchange programs. In contrast, students on F1 visas enter the US to follow a degree or certificate through the course.
International students or scholars holding J1 visas must enlist in accredited post-secondary academic institutions or partake in student internship programs that can complete their educational goals in their homeland. Students can register for full-time non-degree programs, work part-time under specific conditions, or engage in academic training with or without wages.
Details of J1 Visa Health Insurance
J1 students must have health insurance. The US Department of State has a few minimum insurance conditions for the J1 and J2 visa holders.
The requirements are set as the following:
- $100,000 medical benefits per accident or illness
- $50,000 for the visitor’s medical evacuation to their native country
- $25,000 for repatriation of remains
- $500 deductible for every injury or illness
Plan to be underwritten through an insurance corporation with an A.M. Best rating of A-, or more, or an Insurance Solvency International Ltd. (ISI) rating of A-I or higher, or a Standard and Poor’s Claims Paying Ability rating of A- or higher, or a Weiss Research Inc. rating of B+ or more.
According to law, J visa bearers must maintain suitable health insurance throughout the course of their programs. Neglecting to carry insurance is deemed a legal status violation and can cause the program’s termination.
Students can choose from school, college, or university-sponsored insurance programs. Furthermore, they can choose individual or group programs in the time of their stay. The students/scholars holding a J visa can decide to purchase a J visa insurance plan from a private US insurance company if permission is granted by the sponsor organization.
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