J1 Visa Insurance
Medical Insurance for USA J-1/J-2 Visa
Insurance for J1 Exchange Visa Holders & J2 Dependents
J1 Visa Insurance or J1 Visa Health Insurance is a mandatory requirements by the U.S. Department of State. Exchange visitors, scholars, au-pairs, trainees, summer interns, post graduate research students and all other J visa insurance holders (form DS-2019 issued by the U.S. Department of State) are required to have valid J1 visa health insurance in order to keep their J visa valid per the J1 visa insurance requirements. J1/J2 visa medical insurance plan benefits include coverage for medical expenses, evacuation, and repatriation.
J1/J2 Visa Insurance Plans
Quote, compare plan benefits, review coverage features, apply and buy a J1-visa insurance plan online that meets the coverage requirements for both J1 or J2 visa holders. Remember, to meet the J-1 visa insurance requirements, as discussed below, select a medical maximum of at least USD$100K and a deductible no greater than USD$500. Also, the student plans listed below typically have full-time student enrollment requirements, so these may apply to you, if you are not going to be enrolled full-time.
J1 Visa Health Insurance
Having proof of J1 Visa Insurance or J1 Visa Health Insurance coverage is a mandatory requirement by the US Department of State for all J-2 and J-I Visa holders in the United States. Exchange visitors, scholars, au-pairs, trainees, summer interns, post graduate research students and all other J1 visa participants entering USA using the form DS-2019 issued by the U.S. Department of State, need to review and purchase a health plan that meets the J1 Visa Insurance requirements.
J1 Visa Insurance Requirements
The U.S. Department of State requires all exchange visitors in J-1 visa (non-immigrant status) and their J-2 dependents to purchase comprehensive sickness and accident insurance for the entire J-1 exchange visitor program duration in the United States. To meet these J1 visa insurance requirements (22 CFR 62.14, updated May 15, 2015 and current as of 2021), J1 visa insurance plans must meet the following minimum standards for accident and sickness coverage:
- Medical benefits of at least $100,000 per accident or illness
- Repatriation of remains coverage of at least $25,000
- Medical evacuation coverage to home country of at least $50,000
- Maximum deductible of $500 per accident or illness
- The insurance policy must also be underwritten by an insurance corporation with an A.M. Best rating of “A-” or above, a McGraw/Hill Financial Standard/Poor’s Claims Paying Ability rating of “A-“or above, “A-“ or above rating by Fitch Ratings, Inc., ‘‘A3’’ rating or above by Moody’s Investor Services, or a Weiss Research, Inc. rating of B+ or above.
J-1 Visa Insurance Overview
The U.S. Department of State requires all exchange visitors in J-1 visa non-immigrant status, and their J-2 visa dependents to purchase comprehensive sickness and accident insurance for the entire duration of their J-1 exchange visitor program in the United States. J-1 Visa holders entering USA are required to have valid J1 visa health insurance coverage in order to maintain a valid J visa status per the J1 visa insurance requirements. There are many benefits included in J1 visa insurance plans such as coverage for doctor visits, hospitalization expenses, emergency medical evacuation, and repatriation also.
Many US government-approved sponsors offer diverse programs across below 15 categories suited for J1 visa holders. Each of these categories has different rules, with some J-1 visa types allowing the dependant spouse and minor children of J-1 visa holders also to travel to the U.S. with J-2 visas. You can find more information about the program categories and their respective requirements on the U.S. Exchange Visitor Program website.
- College/university Student
- Physician/Medical Doctor
- Short-term scholar
- College/University Professor
- Secondary School Student
- Au pair Childcare provider
- Government sponsored visitor
- International travel for summer work
- Camp counselor
- Research scholar
- Short-term scholar
J1/J2 Exchange Visitor Visa Insurance Features
A J-1 visa is a type of non-immigrant U.S. visa that was first established in 1961 with the passage of the Mutual Educational and Cultural Exchange Act. The primary goal was to encourage the development of relationships between the U.S. and other nations. The plan was originally administered by the U.S. Information Agency (USIA), however the program is now run by the U.S. Department of State (DOS). Participants in the J-1 exchange visitor program can travel to the U.S. for the duration of their programs.
J1/J2 Visa Insurance Features include:
- Medical Expenses for Injury or Sickness
- Sudden Dental Pain Expenses
- Prescription Drugs and Medication Costs
- Emergency Medical Evacuation
- Repatriation of Mortal Remains
- Emergency Medical Reunion
- Accidental Death & Dismemberment (AD&D)
- Flight Accident or Common Carrier Accidental Coverage
- Return to Home Country coverage
- Trip Cancellation
- Trip Interruption
J1 Visa Insurance FAQs
Commonly asked question on the J-1 visa Insurance plans for J-1 visa holders and their dependents on J-2 visa in the US.
What are the mandatory J-1 Visa Health Insurance requirements?
Max. Coverage Amount and Deducible to meet J1 visa requirements
When purchasing any of the above listed J1 visa insurance plans, ensure that you select the right amounts of coverage and deductible options to be complaint with the J1/J2 visa insurance requirements. To meet J1 visa requirements, please remember to select a policy:
- with max. coverage amount of $100,000 USD or higher maximum coverage amount ,and
- with a deductible of $500 USD or lower.
What are some of J-1 Visa Health Insurance exclusions?
Refer to the plan Description of Coverage document
Most J1 visa health insurance plans have exclusions that are listed in the plan sample document. Some of the common exclusions are preventative care, infertility and birth control, vision testing and eyecare, podiatry or foot care, cosmetic surgery and experimental procedures, suicide and more.
What is the J-1/J-2 Visa and who needs a J1 Visa Health Insurance?
J1/J2 Visa Holders in USA require the Mandatory coverage
A J1 visa is a type of non-immigrant visa which is overseen by the U.S. Department of State (DOS). The DS-2019 Form (Certificate of Eligibility for Exchange Visitor J-1 Status) is mandatory in order to apply for a J-1 visa and J-2 visa for dependents. Exchange visa visitors to the USA who participate in the J1 exchange visitor program can travel to the U.S. for the duration of their cultural exchange or scholarly research/training in the United States.. Many US government approved sponsors offer programs across different categories such as Trainee, Teacher, International travel for summer work, Specialist, Short-term scholar, Secondary, School student, Research scholar, Professor, Physician, International visitor, Intern, Government visitor, College and university international student, Camp counselor, Au pair. J-1 visa (and their J2 visa dependents) who participate in the sponsored programs need to meet a minimum requirement to qualify for the J visa health insurance, which can be purchased as an individual/family or group basis.
How does the J1 Visa Insurance work with a multiple entry US J-1 visa?
Travel validation signature by the J1 visa sponsor required
J1 visa holders who travel outside the US during the program, need to get a travel validation signature by the sponsor before they leave the US. If the J1/J2 visa holder travels outside the US after the end of the program in the 30 day grace period, the J visa and DS-2019 will have expired and will require a new J visa for re-entry into the US. Certain J1 visa insurance plans will cover you outside the USA also as many cover outside home country.