Best J2 Visa health insurance, Buy US health insurance for J2 visa

J2 visa insurance plans provide health insurance coverage for these dependants of J1 visa holders. These health insurance for J2 dependents satisfy consular requirements while insuring valid medical expenses incurred during their stay in the USA.

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J2 Visa health insurance

01. Do J-2 visa holders need health insurance?

Yes, like J1 visa holders, J-2 visa holders are also required to have health insurance while in the United States. This requirement is to ensure that dependents have access to medical care and to prevent any financial burden on the U.S. healthcare system.

02. What type of health insurance is acceptable for J-2 visa holders?

J-2 visa holders must have health insurance that meets the minimum requirements set by the U.S. Department of State. This J2 visa insurance is similar to J1 visa insurance and should provide coverage for medical emergencies, doctor visits, hospital stays, and repatriation of remains. It should also have a minimum coverage amount per accident or illness (usually around $100,000).

03. Can I opt out of the J-2 health insurance requirement?

In some cases, if you can demonstrate that you have equivalent coverage through your own means, you might be able to request a waiver for the J-2 health insurance requirement. However, this is subject to approval and specific regulations of the sponsoring exchange program or institution.

Visitor Health insurance for J2 Visa holders

US Visa medical insurance requirements for J2 dependents

The US Department of State has established the following j2 visa requirements to maintain the J2 Visa status:

  • J1 Scholar (Exchange Scholar) and J2 Health Insurance policy must provide "medical benefits of at least $100,000 for each accident or illness."
  • If a J visa holder dies in the U.S., then the policy must provide at least $25,000 in medical evacuation and repatriation insurance benefits to send the remains to the home country for burial.
  • The J-2 visitor holder health insurance deductible should not exceed $500 per accident or illness.
Best J2 visa health insurance
  • The co-payment of medical expenses (the portion not covered by insurance that the insured pays him or herself) should be of no more than 25%.
  • If, because of a serious illness or injury, you must be sent home on the advice of a doctor, the policy must pay up to $50,000 for the expenses of your travel.
  • J2 visa Health Insurance policy may establish a waiting period before it covers pre-existing conditions (that is, health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance business.
  • If you elect to satisfy the insurance requirement through a policy issued in your home country, the policy must be backed by the full faith and credit of your 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).
  • These J1 visa health insurance plan requirements apply to both J-1 visa students and J-1 visa exchange scholars and to their J-2 dependent visa spouse and J2 visa children.

What does J2 Visa insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

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Doctor visit

Insures Doctor visits for sudden injury or sickness.

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Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

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Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.
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Medical evacuation

Medical evacuation expenses to nearest facility included.
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Repat of remains

Repatriation of remains to home country included.

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Patriot Exchange insurance ideal for J2 visa holders

Patriot Exchange insurance offered by International Medical Group (IMG) is an excellent health insurance plan supporting J1 & J2 visa. It is ideal because Patriot Exchange can be purchased by the J2 dependent even if the J1 scholar is not part of the Patriot exchange plan, as long as he or she is covered by another plan offered by the research or educational institution.

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J2 Visa health insurance – FAQ's

01. Why buy health insurance for J2 visa holders?

Since J2 visa holders accompany J1 visa holders, the J2 visa insurance is quite taken care by the sponsoring institution which is covering the J1 visa holders insurance as well. However, there are situations where the sponsoring institution will cover only the mandated insurance cover for the J1 visa holder, or in some instances the institution might insist that the J visa holder buy the J visa insurance as mandated by the US authorities. In this situation, the J2 visa holder will need to buy insurance as specified by the US consulates to satisfy J visa insurance requirements.

The affordable care act (ACA) popularly known as Obamacare makes it mandatory for all US residents to have health insurace. Of course, along with buying health insurance because it is mandated by the US authorities, it is always wise to have proper health insurance in the United States. Health care is very expensive and being uninsured and forced to visit an US hospital can be disastrous. The US authorities by insisting on J2 insurance are ensuring the financial wellbeing of the J1 and J2 visa holder who is new in the US and unaware about the health care costs in this country.

Here we work with reputed insurance providers to give you the complete choice of health insurance which satisfy J1 and J2 visa insurance requirements. You can compare these J2 visa health insurance plans and buy the J2 insurance that best suits your needs.

02. What is the best travel insurance company? Which is the best international travel insurance?

The US immigration authorities have clearly defined the J2 visa insurance requirements. The health insurance cost for J2 visa dependents will depend mainly on the age of the J2 visa holder. The older the J2 visa holder, the higher will be the J2 insurance cost. Customers can compare aca J2 visa insurance plans and buy the best health insurance for J2 visa holders according to their needs.

03. Can I use the same insurance as my J-1 spouse or parent?

Yes, J-2 visa holders can often be covered by the same insurance plan as the J-1 visa holder, such as the insurance available on American Visitor Insurance or those provided by the exchange program. However, it is important to ensure that the coverage meets the health insurance for J1 and J2 visa requirements.

04. Can I buy health insurance from my home country?

In some cases, health insurance from your home country may be accepted if it meets the U.S. requirements. However, it's recommended to carefully review the policy terms and ensure that it provides sufficient coverage in the U.S. It is however very easy for J1 visa holders to buy J visa insurance on American Visitor Insurance by comparing several plans.

05. What happens if I don't have health insurance?

If J-2 visa holders do not have adequate health insurance coverage, it could result in visa issues, including potential denial of entry or extension. Additionally, without proper US health insurance coverage, you could be responsible for significant medical expenses in case of illness or injury.

06. How do I prove that I have health insurance?

You will likely need to provide J visa insurance documentation to the J-1 program sponsor or institution. This can include the J visa insurance policy details, coverage amounts, and proof of payment.

07. Are there any exceptions to the J-2 health insurance requirement?

There might be exceptions in certain cases, such as when a J-2 visa holder is in the U.S. for a short period or has an alternate form of coverage approved by the program sponsor. However, these exceptions are usually rare and should be discussed with your program sponsor or institution.

Compare J2 visa insurance plans

  • J2 visa holder should enter their age, time period that they need to be insured, and the coverage that they deem sufficient to get quotes of available plans that fulfill their criteria.
  • The maximum coverage available, cost, exclusions, deductibles and different benefits in J2 insurance plans vary depending on the age of the J2 visa holder and the insurance plan that they select.
  • Before one selects an appropriate plan, it is best to compare different plan options offered by reputed companies by using our compare tool.
  • By comparing different j visa health insurance options available, a customer can save time, money and effort when selecting the best J2 visa insurance plan.

Buy health insurance for J2 visa holders online

  • The online application to purchase medical insurance plans supporting J1 & J2 visa is fast and easy.
  • The customer fills the online application with all details (age, time period, total coverage and deductible).
  • The online transaction can be completed in a few minutes.
  • The coverage can begin as early as the following day or at a later date as requested by the customers.
  • Since there is no paper work involved, customers save paper and hence trees by using the online purchase facility.
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Medical Evacuation and Repatriation Insurance satisfies J visa requirements

Emergency medical evacuation insurance commonly called “Medevac insurance” are popular among US citizens travelling to Albania offer coverage for expenses arising from international security evacuation, medical evacuation and repatriation.
The Atlas Medevac insurance from WorldTrips and Medical Evacuation and Repatriation plan from Seven corners covers Emergency medical evacuation for US citizens.

WorldTrips Atlas Medevac
Seven corners Medical Evacuation and Repatriation

Steps to compare and buy US J2 visa health insurance online

 1: Finding the available medical insurance for J2 visa plans

Complete the health insurance quote request form by providing details of the J2 visa holder and insurance requirements.

 2: Compare the different US J2 visa insurance options

Compare the price and the benefits of the different travel insurance for J2 visa holders options to identify what fits your needs best.

 3: Buy the best health insurance for J2 visa that you like

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

 4: Review the health insurance for J2 visa plan documents received by email

Review the visa insurance policy documents received by email closely for coverage details and relevant contact numbers.

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Different types of US Visitors travel insurance

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

Factors that determine the cost of US J2 visa travel insurance plans

Age of the J2 visa holder

The cost of health insurance is directly proportional to the age of the applicant. The older the traveler and greater will be the cost of the J2 visa health insurance in USA.

Types of US J2 travel insurance

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

Medical maximum coverage and deductible options

The price of medical insurance for US J2 visa is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance for US J2 visa depends on the coverage region. The cost for health insurance for the United States is most expensive.

Duration of US visa insurance for J2 visa

The longer the duration of medical insurance required, the higher will be the cost.

Resourceful medical insurance information for J2 visa holders

J2 Visa insurance Forum

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J2 Visa insurance Blog

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J2 visa Insurance FAQs

Frequently asked questions about the J2 visa holders health insurance.

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Resourceful visitors medical insurance information

Visitor insurance resources

International travel insurance resources for travel emergency while outside your home country.

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Types of visitor insurance

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Claims procedure

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