Student Medical and Health Insurance Plans

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IMG

Short-Term

[5 days to

48 months]

Individual

and/or

Families

Patriot Exchange

PERIOD OF COVERAGE

COVERAGE FOR:

International Insurance plans

for Alien Physicians and Foreign Medical Graduates

participating in Educational and Cultural Exchange Progams, including Clinical Exchange Program:

- short-term plans and long-term plans are shown below

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 Physician 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

CLINICAL EXCHANGE PROGRAM for

FOREIGN PHYSICIANS

International Educational and Cultural Exchange Programs

QUOTE / BUY

PROVIDER

NAME OF INSURANCE PLAN

MONTHLY COST

INTENDED FOR:

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BROCHURE

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FAST LINK for J-1 visa holders who need insurance coverage.

Definition-

A foreign physician who wishes to pursue programs of graduate medical education or training conducted by accredited U.S. schools of medicine or scientific institutions; and he/she is sponsored by the Educational Commission for Foreign Medical Graduates.

Duration of participation.

Generally limited to seven (7) years unless the medical graduate/physician has demonstrated to the satisfaction of the Secretary of State that the country to which the medical graduate/physician will return at the end of additional specialty education or training has an exceptional need for an individual with such additional qualification.

The duration of the medical graduate/physician's participation in a program of graduate medical education or training is limited to the time typically required to complete such program. Duration shall be determined by the Secretary of State of the Department of State at the time of the medical graduate/physicia's entry into the United States.

Additional information is available at 22 CFR 62.

Visa?

Foreign medical graduates and alien physcians travel on a J-1 visa.

Take me to the J-1 Visa Insurance Available to

Foreign Medical Graduates and Alien Physicians

Minimum Insurance Requirements?

US regulations require that individuals participating in an exchange visitor program 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 exchange visitor program.

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.

And if you intend to travel with a spouse or a dependent, the regulation goes on to state that:

(6) An accompanying spouse or dependent of an exchange visitor is required to be covered by insurance in the amounts set forth in (1) to (4) above.

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.