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Ask Our Specialists
I will be going to the US on a J1 visa with spouse and 2 dependents. I checked quotations for the Atlas Exchange and Patriot Exchange policies. These seem very similar but the premiums are 1000USD different per year. Please could you explain the difference in price? The Atlas policy doesn't seem to charge for children but is there a difference in coverage? Many thanks.
The reason there is a difference in premium is because the Atlas Exchange plan is considered to be a family friendly plan. The Atlas series plans will cover children under age 9 for no additional cost for each covered adult and coverage will be the same as the covered adults limits on the plan.
The Patriot Exchange Program will require premium for each covered individual.
If you need any additional clarification please contact our office.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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.
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The U.S. Department of State requires all J visa holders to purchase compliant insurance.
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