Medical Insurance

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J-1 Exchange Visitors 

Medical Insurance

Exchange visitors (J-1/J-2) are required to have medical insurance in effect for themselves and any accompanying spouse and minor children on J visas for the duration of their exchange program. 

The health insurance requirements are explained below. [Code of Federal Regulations, Title 22, Volume 1, 22 CFR 62. 14, Page 287-288.]

Minimum Coverage

Medical benefits of at least $100,000 per accident or illness;

Repatriation of remains in the amount of $25,00;

Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000; and

A deductible not to exceed $500 per accident or illness.

A J-2 accompanying spouse or dependent of a J-1 is required to be covered by insurance in the same amounts.

Policy Requirements

An insurance policy secured to fulfill the requirements:

May require awaiting period for pre-existing conditions which is reasonable as determined by current industry standards;

May include provision for co-insurance under the terms of which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness; and

Shall not unreasonably exclude coverage for perils inherent to the activities of the exchange program in which the exchange visitor participates.

Under written by an insurance corporation having 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, a Weiss Research, Inc. rating of B+ or above, or such other rating as the Department of State may from time to time specify; or

Backed by the full faith and credit of the government of the exchange visitor’s home country; or

Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; or

Offered through or under written by a federally qualified Health Maintenance Organization (HMO) or eligible Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration of the U.S. Department of Health and Human Services

Sponsor Requirements

Sponsors shall require each exchange visitor to have insurance in effect which covers the exchange visitor for sickness or accident during the period of time that an exchange visitor participates in the sponsor’s exchange visitor program.

 

Additional Information

If it is not possible for you to find an insurance policy which meets the exchange visitor requirements prior to arrival in the U.S. the international Scholar Advisor can assist you to find one after you arrive at Sam Houston State University. However, you are assuming a serious financial risk for lacking coverage.

Please note an exchange visitor who willfully fails to maintain the required insurance coverage while participating in an exchange visitor program or who makes a material misrepresentation to the sponsor concerning such coverage shall be deemed to be in violation of these regulations and shall be subject to termination as a participant.

A sponsor shall terminate an exchange visitor’s participation in its program if the sponsor determines that the exchange visitor or any accompanying spouse or dependent willfully fails to remain in compliance with the health insurance coverage requirement.