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Question:

I'll be participating in visiting scholar program in USA for 1 year. I'm interested in IMG Patriot Platinum America and Patriot exchange, both have zero deductible option. I do interested in high coverage of Patriot Platinum America. However, Patriot Platinum America is not really specify under J exchange VISA category in IMG website(actually in Travel insurance) and do not have specific coverage for medical evacuation and return of mortal remain. So Is this plan qualify for J1 VISA exchange program or should I choose Patriot exchange instead? Here is additional on J1 health insurance requirement for Stanford University. Not sure that some travel insurances such as Atlas America, Patriot Platinum America are qualify for J1. Insurance Requirements - Medical benefits of at least $100,000 per accident or illness. - Repatriation* of remains in the amount of $25,000. - Expenses associated with the medical evacuation* of the exchange visitor to his or her home country in the amount of $50,000. - A deductible not to exceed $500 per accident or illness. - If a particular activity is a part of your Exchange Visitor program, your insurance must cover injuries resulting from your participation in that activity. - The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry. - The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by DOS (an A. M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above, a Standard & Poor's Claims-paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above).

Answer:

The Patriot Platinum America plan does meet the basic J1 requirements but Stanford University has additional requirements that are not met by that plan. According to the requirements below the plan you choose must cover pre-existing conditions. In the past we have always recommended the Student Secure Elite plan; for Stanford University students. The Elite plan has a $500,000 policy max.

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