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A J-1 Visa is issued for an Exchange Visitor who is participating in an established J Exchange program pre-approved by the State Department (formerly pre-approved by USIA). Exchange Visitors under J-1 visas include secondary school and college students, business trainees, trainees in flight aviation programs, primary and secondary school teachers, college professors, research scholars, medical residents or interns receiving medical training in the U.S., certain specialists, international visitors, and Government visitors.
1) The Department of State has established the following requirements for the type and amounts of coverage required to maintain J-1 or J-2 status:
2) J1 Scholar (Exchange Visitor Visa) Health Insurance policy must provide "medical benefits of at least $50,000 for Each accident or illness."
3) If a J visa holder dies in the U.S. the policy must provide at least $7,500 in repatriation benefits to send the remains to the home country.
4) The deductible should not exceed $500 per accident or illness.
5) 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%.
6) If, because of a serious illness or injury, you must be evacuated on the advice of a doctor, the policy must pay up to $10,000 for the expenses of your travel.
7) J1 Scholar (Exchange Visitor 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.
8) 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).
9) These requirements apply to both J-1 students and scholars and to their J-2 dependent spouses and children.
