Definition-
A Trainee under the Exchange Visitor Program is a foreign national with significant experience in their occupational field who has been given the opportunity to receive training in the United States in such field. Trainees receive hands-on experience in their specific fields of study/expertise and they do not merely participate in work programs.
Objective-
To enhance the skills and expertise of exchange visitors in their academic or occupational fields through participation in structured and guided work-based training and internship programs and to improve participants' knowledge of American techniques, methodologies, and technology. Such training and internship programs are also intended to increase participants' understanding of American culture and society and to enhance Americans' knowledge of foreign cultures and skills through an open interchange of ideas between participants and their American associates. A key goal of the Fulbright-Hays Act, which authorizes these programs, is that participants will return to their home countries and share their experiences with their countrymen.
Insurance? [Take me to the plans available to Trainees]
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.
Duration of participation.
The maximum duration of a training program is 12 to 18 months depending on field - consult with your Sponsor.
IMG
Short-Term
[5 days to
48 months]
Individual
and/or
Families
Patriot Exchange
PERIOD OF COVERAGE
COVERAGE FOR:
International Insurance plans for Traineesparticipating in Educational and Cultural Exchange Progams: - note that Trainees typically participate in Exchange Programs in the US for 12 or 18 months (consult your Sponsor)
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
TRAINEE
International Educational and Cultural Exchange Programs
QUOTE / BUY
PROVIDER
NAME OF INSURANCE PLAN
MONTHLY COST
INTENDED FOR:
BROCHURE
faq's
exchange programs:
visa requirement?
exchange programs:
A J-1 visa is issued
for the Exchange Visitor
Program participant;
a J-2 visa is issued
to immediate family members (e.g. spouses
and dependents)
of the J-1 visa holder.
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