answer : How do I choose the right J1 visa insurance plan?

Ask the ExpertsHow do I choose the right J1 visa insurance plan?

When selecting a J1 visa insurance plan, consider factors such as coverage limits, deductible amounts, network of providers, pre-existing condition coverage, and additional benefits such as mental health services or sports coverage. It's essential to choose a plan that meets the requirements set by the U.S. Department of State.

Minimum Coverage Limits: J-1 visa holders and their dependents must have medical benefits of at least $100,000 per accident or illness.

Repatriation of Remains: The insurance policy must cover repatriation of remains in the event of death, with benefits of at least $25,000.

Medical Evacuation: The insurance policy must cover medical evacuation to the individual's home country in case of serious illness or injury, with benefits of at least $50,000.

Deductibles and Co-Insurance: The insurance policy must have a deductible not exceeding $500 per accident or illness and coinsurance not to exceed 25% of covered benefits per accident or illness.

Coverage Duration: The insurance coverage must be maintained for the entire duration of the J-1 visa holder's program in the United States, including any periods of authorized academic training.

Insurance Provider Rating: The insurance policy must be provided by an insurance company with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard & Poor's Claims-paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of "B+" or above.

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