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Atlas Exchange Essential - International Insurance for J1 Exchange Visitors and F1 Students

Please use this high level information as a guide only and do not make any decisions solely based on this information. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information, as it is not possible to accurately represent all the details in concise information such as follows, or call us for further details. If there is any discrepancy between this information and the actual policy details, the policy details will override.

All the amounts are in U.S. dollars.

Vision (eyeglasses, etc.) is not covered in any of the plans.


Atlas Exchange - Essential
US - Within PPO/Outside US: After deductible, pays 100% to policy maximum; or
After deductible, pays 80% to $5,000, then 100% to policy maximum.

Otherwise: After deductible, plan pays Usual, Reasonable and Customary to policy maximum.
To policy maximum

Medical – Outpatient

US-Urgent Care: Deductible waived, $50 copay; unless $0 deductible. Co-insurance still applies.

Otherwise, to policy maximum.
To policy maximum

In US: Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum


Under 18: $5,000, Ages 18-64: $50,000; maximum $250,000 per family.
Under 18: $25,000, Ages 18-64: $50,000; maximum $250,000 per family.


For every parent insured, one child under age 10 years is free. Maximum 2 children free.
Incidental: Per 3 month period; US Residents get 15 days and Non-US Residents get 30 days.
$100 per day
$100 per day, 5 day maximum
$50,000 Eligible medical expenses only
Outside Home Country
  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).
  • Coverages shown are per person unless noted otherwise.

Did you know?

Prices are regulated by law.

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

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

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

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Visiting USA?

Healthcare costs are very high in the U.S.

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

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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.

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New immigrant to USA?

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

Purchase new immigrant medical insurance to bridge the gap.

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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.

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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.

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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.

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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.

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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