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Short-Term Scholars, Professors, Research Scholars, Trainees, Specialists and College and University Students |
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INFORMATION ON MANDATORY HEALTH INSURANCE COVERAGE IN THE U.S.
If your organization does not offer the required insurance coverage, IIE offers private insurance program at affordable rates for your guest exchange visitor.
Health insurance in the United States is primarily a private industry with a variety of options for coverage and cost. The Department of State has established minimum requirements for insurance that are designed to protect the exchange visitor and his/her family. The U.S. Government regulations governing J-1 Exchange Visitor visa status requires health insurance coverage for the J-1 and each J-2 dependent. This coverage must be in effect during the entire length of the program in the U.S., and must meet the minimum requirements. If your organization does not offer the requirement bellow, IIE offers private program insurance at affordable rates for your guest exchange visitor.
Insurance Requirements [from 22 CFR 62.14]:
- Sponsors shall require each exchange visitor to have insurance in effect which covers the exchange visitor for sickness or accident during the period of time that an exchange visitor participates in the
- Medical benefits of at least $50,000 per accident or illness;
- Repatriation of remains in the amount of $7,500;
- Expenses associated with medical evacuation of the exchange visitor to his or her home country in the amount of $10,000; and
- a deductible not to exceed $500 per accident or illness.
- An insurance policy secured to fulfill the requirements of this section:
- May require a waiting period for pre-existing conditions which is reasonable as determined by current industry standards;
- May include provision for co-insurance under the terms of which the exchange visitor may be required to pay up to 25 percent of the covered benefits per accident or illness;
- Policy must be underwritten by an insurance corporation having an A.M. Best rating of "A-" or have; an Insurance Solvency International, Ltd. (ISI) rating of "A-" or above; a Weiss Research, Inc. rating of B+ or above. It is your responsibility to confirm with the insurance company that they meet these criteria.
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