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J1 Visa Insurance as Type of Insurance


J1 Visa Insurance as Type of Insurance

The Facts About Travel Insurance for J1 Visa Holders

Working, studying, or traveling in the US requires a J1 Visa. It’s mostly for international students visiting the US for a short time but applies to other situations as well. Study and work in the US with the J1. Learn more or buy J1 Visa Insurance here.

About the J1 Visa Program

J1 Exchange Visitors program began in 1961. Educational and job training were designed to promote US-international ties. J1 Visa holders can temporarily visit the US to study or prepare for a career under this program. The person applies their US-learned skills when they return home.

J1 applicants must fulfill certain requirements to stay in the country. That involves learning English and getting sponsored by a business company, government program, or university.

Dependents of J1 Visa holders may go to the US depending on work or school programs and other conditions. J2 Visas are awarded to spouses and unmarried children under 21. Dependents must follow all J1 Visa criteria and the same application process.

Popular Programs for J1 Visa Holders

J1 Visa holders have numerous programs. Popular software categories are briefly described below.

Short-Term Scholar

International professors and researchers teach and conduct research at US colleges and universities for up to six months each year.

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Au Pair Program

This unique program lets 18-26-year-old foreigners live in the US for two years. The J1 Visa holder will reside with a family and provide childcare while studying at a nearby school.

Internship

Recent graduates and university students can visit the US to learn about American culture and gain work experience.

Work-and-Travel

Full-time post-secondary students can work or travel in the US. They can stay in winter, spring, or summer.

Counsellor

J1 Visa holders over 18 years can teach or guide American kids at summer camps.

Secondary/High School Program

Foreign high school students studying at a recognized US public or private high school might live with an American host family or attend boarding school.

J1 Visa Insurance Requirements?

Insurance needs vary by program category. The Visa sponsor affects these requirements. Visa holders must contact their sponsor for travel insurance program and rule information.

Most programs require students to speak American English and have health insurance. Before acquiring their J1 Visa, students must often interview with the US Embassy or Consulate in their native country.

J1 Visa Health Insurance Coverage?

US-bound foreign exchange students must have health insurance. However, many health insurance policies offer more than basic coverage.

J1 health insurance features include:

Emergencies

J1 Visa medical insurance requires $100,000 per accident or illness. Most plans cover post-policy illnesses, accidents, and injuries. Visa holders should choose a higher policy limit to ensure full coverage due to greater US medical expenditures.

PPO Network

All J1 plans are PPO. These networks include doctors, hospitals, and other medical facilities nationwide. These doctors and hospitals have contracts with insurance companies and can bill directly or use network rates.

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Emergency Medical Evacuation

J1 Visa health insurance must cover $50,000 in emergency medical evacuation. That covers emergency transport to the nearest hospital or other medical facility.

Return of Mortal Remains

J1 Visa health insurance must cover $25,000 to return mortal remains. If an exchange student dies in the US, this benefit helps their family return their body.

Accidental Death/Dismemberment

Accidental death and dismemberment coverage pays a lump amount if the student dies. It also covers limb loss.

Prescription Drugs

J1 Visa health insurance covers prescription medications for new medical conditions after the policy’s effective date. These policies exclude birth control and pre-existing condition medications.

J1 Visa Health Insurance Exclusions

Every exchange student health insurance policy has exclusions that visa holders should know before traveling. To avoid any shocks after getting a visa, the study is crucial. Some health insurance plans cover pre-existing conditions after a waiting time, but most do not.

  • Eyecare Footcare
  • Wellness
  • Sports injuries
  • cosmetic or experimental
  • Infertility and contraception
  • Disaster-related deaths
  • Suicide
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Many reputable insurance providers cover international students’ health. Most policies cover medical crises and abrupt evacuations. Visa holders can add sports injury or legal assistance insurance.

Why International Students Need J1 Visa Insurance

Intelligent students can enjoy studying abroad. US education could provide students with the skills and knowledge to succeed in life. If they had to study in their own country, it wouldn’t be practicable in most cases. Unfortunately, catastrophic injuries or diseases sometimes happen unexpectedly. Students may stay healthy and safe in the US by investing in a good J1 Visa insurance package.

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