Definition-
A J-2 visa is issued to immediate family members of the J-1 visa holder. A J-1 visa is issued to a non-immigrant participant in an Exchange Visitor Program. (Examples of persons who may be issued a J-1 visa: professor, research scholar, or person with similar education or accomplishments coming to the United States on a short-term visit for the purpose of lecturing, observing, consulting, training, or demonstrating special skills at research institutions, museums, libraries, post-secondary accredited educational institutions, or similar type of institutions.)
Exchange Visitor Program means the international exchange program administered by the Department of State to implement the Mutual Educational and Cultural Exchange Act of 1961, as amended, by means of educational and cultural programs.
Duration of participation.
Varies based on which exchange visitor program you are participating in.
Visa?
The J-2 visa is issued to immediate family members of the J-1 visa holder.
US regulations require that immediate family members accompanying a spouse or dependent who is participating in an Exchange Visitor Program have insurance in effect which covers him/her for sickness or accident during the period of time that he/she accompanies the exchange visitor participant.
The minimum insurance coverage shall provide:
(1) Medical benefits of at least $50,000 per accident or illness;
(2) Repatriation of remains in the amount of $7,500;
(3) Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000; and
(4) A deductible not to exceed $500 per accident or illness.
(5) Must be underwritten 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.
Important Note:
According to the regulations, "an exchange visitor who willfully fails to maintain the insurance coverage set forth above while a participant 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 this section.
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Insurance Providers: [click on the provider name below to learn more about the provider]:
IMG
Short-Term
[5 days to
48 months]
Individual
and/or
Families
Patriot Exchange
PERIOD OF COVERAGE
COVERAGE FOR:
International Insurance plans for J-2 Visa Holders (e.g. spouses or dependents of a J-1 visa holder participating in Educational and Cultural Exchange Progams):
- period of coverage should be based on the program the J-1 visa holder is participating
MINIMUM CRITERIA #1:
$50,000 Medical Benefit per Accident or Injury
MINIMUM CRITERIA #2:
$7,500 Repatriation of Remains
MINIMUM CRITERIA #4:
Deductible is $500 or less per accident or injury
MINIMUM CRITERIA #5:
Underwriter Rating
MINIMUM CRITERIA #3:
$10,000 Medical Evacuation Expenses
INSURANCE PROVIDED
BY:
INTERNATIONAL
INSURANCE
PRODUCT:
The Standard Plan MEETS OR EXCEEDS the minimum criteria:
This plan offers $50,000, $250,000 or $500,000.
The Basic Plan does not meet the criteria of the J visa requirements since it offers only $10,000.
EXCEEDS the minimum criteria:
This plan offers $25,000 repatriation
EXCEEDS the minimum criteria:
This plan offers a $100 deductible
EXCEEDS the minimum criteria:
This plan is rated A by A.M. Best
EXCEEDS the minimum criteria:
This plan offers $50,000 (lifetime) medical evacuation expenses
Short-Term
[15 days to
12 months*]
* If initially purchased for 3 months then can be renewed for 12 additional months, totalling 15 months of coverage
Individual
and/or
Families
Liaison Student
Offered by SEVEN CORNERS
EXCEEDS the minimum criteria:
This plan offers $250,000.
Also, this plan MEETS the requirement for dependents:
$50,000 per dependent (lifetime).
EXCEEDS the minimum criteria:
This plan offers $25,000 repatriation
EXCEEDS the minimum criteria for US Sudents:
This plan offers a $50 deductible, but it is reduced to $0 (zero) deductible if treatment received in a student health center
EXCEEDS the minimum criteria for Non-US Sudents:
This plan offers a $100 deductible, but it is reduced to $50 if treatment received in a student health center
EXCEEDS the minimum criteria:
This plan is rated A by A.M. Best
EXCEEDS the minimum criteria:
This plan offers $50,000 (lifetime) medical evacuation expenses
Short-Term
[1 month to
48 months, renewable
up to 4 years]
Individual
and/or
Families
Student Secure
Select Plan
Offered by HCCMIS
EXCEEDS the minimum criteria:
This plan offers $300,000.
Also, this plan MEETS the requirement for dependents:
$50,000 per dependent.
EXCEEDS the minimum criteria:
This plan offers $25,000 maximum repatriation
EXCEEDS the minimum criteria:
This plan offers a $100 deductible, but it is reduced to $50 if treatment received in a student health center
EXCEEDS the minimum criteria:
This plan is rated A+ (superior) by A.M. Best
EXCEEDS the minimum criteria:
This plan offers $300,000 (lifetime) medical evacuation expenses; $50,000 (lifetime) for each dependent
Short-Term
[1 month to
48 months, renewable
up to 4 years]
Individual
and/or
Families
Student Secure
Budget Plan (a.k.a. Basic Plan)
Offered by HCCMIS
EXCEEDS the minimum criteria:
This plan offers $250,000.
Also, this plan MEETS the requirement for dependents:
$50,000 per dependent.
EXCEEDS the minimum criteria:
This plan offers $15,000 maximum repatriation
EXCEEDS the minimum criteria:
This plan offers a $100 deductible, but it is reduced to $50 if treatment received in a student health center
EXCEEDS the minimum criteria:
This plan is rated A+ (superior) by A.M. Best
EXCEEDS the minimum criteria:
This plan offers $250,000 (lifetime) medical evacuation expenses; $50,000 (lifetime) for each dependent
Short-Term
[1 month to
12 months]
Individual
and/or
Families
Global Student USA and
Global Student USA Preferred
Offered by HTH WORLDWIDE
EXCEEDS the minimum criteria:
This plan offers $250,000.
EXCEEDS the minimum criteria:
Both plans offers $25,000 maximum repatriation
EXCEEDS the minimum criteria:
Both plans offer a $100 deductible, but it is reduced to $50 if treatment received in a student health center
MEETS the minimum criteria:
Both plans are underwritten by HM Life Insurance Company
EXCEEDS the minimum criteria:
Both plans offer $100,000 (lifetime) medical evacuation expenses.
QUICK COST COMPARISON:
Assumptions: Male Student under the age of 25; $100 deductible; $250,000 Maximum Benefits. Monthly Premium Shown.
IMG
Patriot Exchange Standard
$51.15 USD
HCCMIS
Student Secure Budget
$67.00 USD
Non-US, Worldwide Coverage, Excluding Home Country
Seven Corners
Liaison Student - Plan M
$75.75 USD
Non-US, Coverage Including US
HCCMIS
Student Secure Select
$89.00 USD
Non US Coming to USA, 80% Coinsurance
Seven Corners
Liaison Student - Plan N
$100.28 USD
Non-US, Coverage Including US
HTH
Global Student USA
$105.00 USD
Non US Coming to USA, 100% Coinsurance
HTH
Global Student USA Preferred
$169.00 USD
Non-US, Coverage in US
Non-US, Coverage in US
J-2 VISA HOLDER
International Educational and Cultural Exchange Programs
QUOTE / BUY
PROVIDER
NAME OF INSURANCE PLAN
MONTHLY COST
INTENDED FOR:
BROCHURE
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