As the J1 Visa program is designed for those who are taking part in one work and study-based exchange visitors program or the other, J1 Visa health insurance aka Visa insurance is a binding requisite by the United States Department of State for all exchange visitors, summer interns, trainees, au-pairs, scholars, post graduate research students as well as every other J1 Visa insurance holders. Consequently, if you are a holder of J1 Visa traveling to the US, you must show the evidence that you have J1 Visa health insurance before you can be issued a US Visa.
However, this insurance for the holders of J1 Visas must comply with definite prerequisites as laid down by the US Department of State.
Insurance policies including J1 Visa health insurance covers were introduced to assist you in keeping away from problem caused by specific illnesses and accidents. Nevertheless, as important as as J1 Visa health insurance is to the US government, many nations are still not aware of the benefits attached to this type of Visa.
Hence, you must understand that there are certain rules and regulations laid down by the US Department of State as far as J1 Visa health insurance is concerned. For this reason, the first rule stipulated is that if you and your dependents are traveling to the US on J1 Visa, you must carry along with you your health insurance plan.
You must ensure that the following J1 visa health insurance requirements are fulfilled by your policy to make it valid and acceptable.
- In case where the J1 Visa health insurance policy holder dies in the US, the policy must make available $7,500 minimum in repatriating the remains of such person back to his home country.
- Furthermore, the policy must provide at least $50,000 for an illness or accident. This implies that no acceptable policy will set a maximum that is less than $50,000 as benefit for each illness or accident.
- The policy is obliged to pay $10,000 for all the expenses of your travel for medical emigration if you have any reason to be sent back to your home country for medical treatment on the advice of a doctor as a result of serious injury or illness.
- The policy must be supported by the full credit and faith of the government if you choose to satisfy the insurance requirement through a policy issued in your home country.
- No deductible must exceed $500 for a single illness or accident.
- J1 Visa health insurance must be underwritten with the best rating by some specific insurance companies.
J1 Visa health insurance is quite useful in terms of dealing with unanticipated accidents just like other types of insurance policies. Considering the benefits attached to this type of insurance therefore, you need to buy it a soon as possible if you don’t have it already as it will help you to cover certain medical expenses including repatriation and evacuation.