Importance Of J1 Visa Insurance Policies

By Ray Sondeo

The United States of America presents a truly cosmopolitan academic experience that is often considered to be one of the best worldwide. Its vast array of colleges and universities makes it a globally acknowledged center of academic excellence, attracting thousands of international students and research scholars. The U.S Department of State has mandated clauses for compulsory j1 visa health insurance for visiting overseas scholars and exchange students who avail the J1 Visa.

The State Department stipulates that any exchange visa holder visiting U.S is required to be covered by a J1 visa health insurance policy that satisfies the State department specifications. Non-compliance with this regulation could result in cancellation of the J1 visa.

The J1 Visa insurance policy offers emergency medical benefits, primary among which is a policy maximum of $50,000, covering treatment costs for injuries and illnesses. This amount includes expenses for treatment and emergency hospitalization. The policy is also required to offer $10,000 for emergency medical evacuation and $7500 for repatriation of mortal remains.

The State Department of USA suggests opting for a respected and well established company as the provider for the J Visa insurance policy. The subscriber can rely on the A.M Best rating for useful benchmarks and policy merits. It is recommended that the underwriter should be rated A- or better.

Spouses and/or children who are the dependents of the J1 visa holder are also required to be covered by an insurance policy that satisfies the State Departmental requirements. Generally, J1 visa insurance policies incorporate provisions for facilitating coverage options for his/her dependents as well.

The J1 visa holder can have numerous health insurance policy options, all of which cover medical emergencies, including prompt hospitalization and medication. Diagnostics, ambulance services, prescribed surgeries and therapeutic treatments are also covered by the insurance policy. The insurance policy coverage facilitates emergency response to crises like accidental injuries, ailments and unforeseen illnesses.

The U.S government normally does not reimburse or subsidize medical expenditures for exchange students during medical emergencies. Owing to the exorbitant healthcare expenditures in America, these medical expenses could run up to a substantial amount. Depending on the nature of the treatment availed; the j1 visa insurance policy offers comprehensive coverage for medical bills and treatment expenses. This saves the student from the hassles of arranging for huge financial resources during a medical crisis.

The numerous J1 visa insurance policies are easily available online, enabling better comparability, applicability and wider options for the applicant. Payments for policy subscriptions could be made online, through lucid, simple and extremely secure application procedures. The policy coverage statement insurance purchase proof is made available immediately after online purchase/subscription. - 29956

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