Ask Our Specialists

Question:

I would like to purchase a health insurance plan for my stay in the US that meets the following criteria for the J1 visa: As of May 15, 2015, the J-1 regulations require the following with respect to health insurance coverage: 1. Medical benefits of at least $100,000 per accident or illness 2. Payment for repatriation ((preparation and transportation of remains to home country) in case of death in the amount of $25,000 3. Payment for medical evacuation (transportation to home country on advice of attending physician) in the amount of $50,000 4. A deductible not to exceed $500 per accident or illness 5. Coverage of pre-existing conditions after a reasonable waiting period 6. Payment by the insurance company of at least 75% of the costs of medical care (the patient must not be required to pay more than 25% of medical care costs) To comply with these regulations, health insurance policies must be underwritten by corporations having one of the following: 1. A.M. Best rating of A- or above 2. McGraw Hill Financial/Standard & Poor's Claims- paying Ability rating of A- or above 3. Weiss Research, Inc. rating of "B+" or above 4. Fitch Ratings, Inc. rating of "A-" or above 5. Moody's Investor Services rating of "A3" or above. Could you offer me a health insurance plan that covers those criteria?

Answer:

The plan we would recommend is the ExchangeGuard.

You would choose either the Choice (6 months) or Essential (12 months) to determine the waiting period for the pre-existing benefit.


Last Updated: {{question.updated}}
Published: {{question.published}}
{{question.likes}} {{question.likes == 1 ? 'person found this answer useful' : 'people found this answer useful'}}
1682 page views

DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

Search Questions and Get Answers

Type your question or hashtag below or Ask a Question

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More