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Question:

I am a research scholar visiting USA for 6 months on J1 Visa. I plan to buy the Atlas America policy (in the version with deductible 250$, policy max 500 000$). In this policy there is a coverage of acute onset of pre-existing condition. My question is: I suffer from Hemophilia A, does this qualify as a pre-existing condition and the policy will work in case of some problems connected to Hemophilia? As well, I would like to ask if this policy meets all of the U.S. State Department Insurance Policy Requirements for J1 visa holders, e.g. they require $100,000 per accident & illness coverage

Answer:

All of the plans in our J1 section will meet the standard J1 requirements, including Atlas America.  If your sponsor has any additional requirements, we can always review those for you as well.

Any known or unknown condition at the time of application is pre-existing.  So anything known about or anything unknown that is already manifesting in the body.  Therefore the Hemophilia A would be deemed pre-existing.

Acute onset benefits cover sudden and unexpected situations.  However, someone who has  Hemophilia would be expected to have issues under certain conditions.  More than likely, any issues due to the Hemophilia would not be covered.

Some of the other plans in that section, for example the Study USA or Student Health Advantage plans will offer benefits for pre-existing conditions after a waiting period.  Some plans have a 6 month waiting period and some 12 months.

If your sponsor is offering you domestic insurance, that is what we would recommend as domestic plans cover pre-existing conditions.


If you have any additional questions, please let us know.


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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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