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US J Visa Insurance, American J visa insurance (J1 and J2 visa insurance)
Compare J Visa Insurance for Exchange Scholar |
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Insurance for J VisaA J Visa holder is an exchange scholar, and the US Government mandates that all J Visa holders must have medical coverage during their stay in the USA. This J Visa insurance policy must satisfy the visa requirements as stipulated by the US Government. American Visitor Insurance allows a J visa holder to buy short-term medical insurance for the duration of their travel and stay in the USA/Canada. This short-term medical insurance plan will cover them for injury sustained in an accident and for any new sickness. Coverage includes medical expenses such as doctor’s visits, hospital fees and medicines/prescription drugs. At American Visitor Insurance, we work with all insurers who offer medical insurance for J visa holders so that you can select the most appropriate plan for your needs from amongst all the available plans.
All insurance plans offered on the American Visitor Insurance website are underwritten by reputed insurers with A.M. ratings of A+. On purchasing the insurance, you will be provided with the relevant medical insurance details, including an ID card, and a toll free number to the plan administrator so that you can contact someone, at any time of day or night in case of a medical emergency. You may also use the toll free number for guidance on how to find a hospital or doctor, file a claim, or verify a benefit.
J Visa Insurance Plans
Medical insurance for J Visa factors :
The major requirements that any J visa insurance must comply with are :
- The J1 Exchange visitor visa health insurance policy must provide medical benefits of at least $50,000 per accident or illness.
- If due to serious medical illness or accidental injury, the insured must be sent home on the advice of a doctor, the policy must cover up to $10,000 for the travel expenses due to the medical condition.
- If a J visa holder dies in the United States, then the policy must provide repatriation benefits of at least $7,500 to send the mortal remains to the home country of insured for cremation/burial.
- The J1 Exchange visitor medical insurance policy will usually enforce a waiting period before it covers pre-existing conditions (ie health conditions that existed prior to the purchase of the insurance policy), as long as the waiting period is considered reasonable and customary by current standards in the insurance field the policy is acceptable.
- If the insured elects to satisfy the insurance requirement through a policy issued in the insured's home country, the policy must be backed by the full faith and credit of the home country government. Otherwise, the company providing the insurance must meet minimum rating requirements established by Department of State (an A.M. Best rating of "A-" or better, an Insurance Solvency International, Ltd. (ISI) rating of "A-1" or better, a Standard & Poor's Claims-Paying Ability rating of "A-" or better, or a Weiss Research, Inc. rating of "B+" or better).
J Visa Insurance Benefits
Medical insurance for the J Visa may be purchased online both quickly and with ease. The American Visitor Insurance website has developed an insurance comparison facility so that an J Visa holder may compare quotes from several different insurance providers. All that the customer has to do is provide the relevant information (age, travel dates, total amount of coverage desired) in simple online form and then click on the 'get quote' button, and they will have instant access to a list of eligible plans along with the premium (cost), the medical coverage details, the name of the underwriter, and the provider network (network of hospitals and doctors). The J visa holder may then buy the visitor medical insurance plan that they select by clicking on the corresponding 'BUY' button. To do so they must complete a simple online application and pay using a credit card. Up on completing the transaction, you will receive an email confirmation with all the insurance details including a virtual insurance ID card. Indian and Chinese students/scholars, along with J visa holders form around the world, who are visiting the USA with J visa can purchase J visa insurance policy at the American Visitor Insurance website.
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