J-1 Visa Insurance | J-1 Student Insurance (2024)

International scholars and exchange students visiting the US for a short duration are typically on a J-1 Visa. Here you will learn more about the visa, its federal insurance requirements and appropriate health insurance options.

What is a J-1 Visa?

A J-1 visa is a non-immigrant visa issued to students and scholars visiting the US who are participating in work and study-based exchange programs. The exchange programs that sponsor these individuals and their families are generally nonprofit or educational institutions helping the visitor to receive training, demonstrate special skills, study, or even teach throughout the US.

According to the American Immigration Council , around 300,000 participants from more than 200 countries and territories visit the United States on J-1 visas each year.

J-1 Visa Insurance Requirements

As part of the J-1 visa requirements, you (and any dependent family members traveling with you on J-2 visas) will be required by the Department of State to maintain adequate health insurance coverage for the full duration of your trip that meets the following main requirements:

  • Medical benefits of at least $100,000 per accident or illness
  • Repatriation of remains in the amount of $25,000
  • Expenses associated with the medical evacuation of the J-1 visitor to his or her home country in the amount of $50,000
  • A deductible not to exceed $500 per accident or illness

Health Insurance through an Exchange Program

Ultimately it is the program sponsors who are required to verify that all of their J visa holders purchase and maintain health insurance that meet the federal requirements, either by enforcing a mandatory group health insurance plan or allowing you to purchase coverage of your own. If your school or sponsor does not provide insurance coverage, or they allow you to purchase your own coverage, there are a variety of options available on the market covering a range of benefits — please just pay careful attention to make sure all the requirements listed above are met by your selected insurance plan.

J-1 Insurance Options

We have a variety of options available to you and your dependents that will meet and exceed the minimum J-1 health insurance requirements. Check out our Student Health and Travel Medical plan options — both offer excellent coverage at affordable prices.

To further expand your knowledge, be sure to read "What is a J-1 Visa?"

J-1 Group Insurance Options

If you are a J-1 visa sponsor, or work with cultural exchange participants and are looking for group insurance options, please visit our sister website, Envisage Global Insurance, for further information and details about specific options they have.

J-1 Visa Insurance | J-1 Student Insurance (1)
J-1 Visa Insurance | J-1 Student Insurance (2024)

FAQs

J-1 Visa Insurance | J-1 Student Insurance? ›

What Are the Minimum Requirements for J-1 Visa Insurance? To meet the U.S. Department of State requirements, J1 insurance plans must have: Medical Benefits of at least $100,000 per accident or illness. Repatriation of Remains benefits of at least $25,000.

What does J-1 insurance cover? ›

medical benefits of at least $100,000 per illness or accident. deductible not to exceed $500 per accident or illness. expenses associated with medical evacuation in the amount of $50,000. repatriation of remains in the event of death in the amount of $25,000.

Is there a grace period for J-1 health insurance? ›

Sickness and Accident Insurance Requirement

Note all exchange visitors and their dependents are responsible for ensuring they are covered by medical insurance from the day you arrive through the day you leave the United States, including the 30 day grace period before and after the training/internship program.

How hard is it to get a J-1 visa? ›

J-1 visas are also quite easy to get approved. The length of stay depends on the type of activity. Those pursuing academic study may get a visa for up to three years, while camp counselors will typically only get a 3-month stay. Extensions are also variable, depending on the category of visa.

Is a J-1 visa a student visa? ›

The J-1 visa, also known as the Exchange Visitor Visa or J student visa, is for anyone outside of the US who wishes to take part in study- and work-related exchange programs approved by the Department of State Bureau of Educational and Cultural Affairs.

What does a J-1 include? ›

The J-1 Summer Work Travel visa allows third level students travel to the US during their summer vacation and work for up to four months in seasonal summer jobs. After finishing work participants are allowed to stay in the US for up to a further 30 days as a tourist to travel the country.

What are the benefits of J-1 visa? ›

J1 visa holders are eligible for several benefits, including:
  • The opportunity to gain valuable work and study experience in the United States.
  • The chance to learn about American culture and society.
  • The opportunity to build international relationships.

What is the 2 year rule for J-1? ›

Overview. After their exchange, some J-1 visa holders must spend two years in their home country. This requirement is part of U.S. law, in the Immigration and Nationality Act, Section 212(e). If you cannot return home for two years, you must apply for a waiver.

How long can I stay after my J-1 visa expires? ›

J-1 scholars are given a 30-day grace period at the end of the program. This means that you have until 30 days after your program end date to depart the U.S.

Can I travel during J-1 waiver? ›

If you have started the J waiver process do not travel outside the U.S. while the waiver is pending or after the waiver is approved. International travel will negatively impact the waiver.

Why would a J-1 visa be denied? ›

Failure to Prove Ties to Home Country. One of the most common reasons for a J-1 visa denial is the applicant's inability to prove substantial ties to their home country.

How much bank balance is required for a U.S. J-1 visa? ›

Required Minimum Funding

$28,000 for J-1 Scholar ($2,333/month) $14,000 for spouse ($1,167/month) $7,000 per child ($583/month)

How much money do you need for a J-1? ›

You need to bring the minimum proof of funds $800 to enter the USA, which should keep you going until you start getting paid depending on your rent and other expenses you may have.

Which is better, F-1 or J-1 visa? ›

For this, the F-1 visa is usually the better option, as it allows you to work off-campus in your field and even allows you to work for one to two years after your studies are over. In contrast, the J-1 only allows you to work on campus.

Can I apply for a green card while on a J-1 visa? ›

Those in the United States on J-1 visas are eligible to apply for a Green Card through employment based or family based immigration.In order to obtain a Green Card, the alienfirst needsto file an immigrant petition (I-140) with the USCIS and then either apply for an Adjustment of Status (AOS) petition if they are ...

Can I get a J-1 visa without a sponsor? ›

Do I need a sponsor? Yes. The State Department designates U.S. government, academic and private sector entities to conduct educational and cultural exchange programs. To participate in the Exchange Visitor Program, foreign nationals must be sponsored by one of the State Department-designated sponsors.

Does Plan J cover deductible? ›

Plan J has comprehensive coverage that includes: Part A hospital costs for 365 days after Medicare benefits are exhausted. Part A coinsurance up to 365 days after Medicare benefits are exhausted. Part A yearly deductible.

What is the nature of the J-1 program? ›

The J-1 visa in the United States is for people who wish to take part in work-and-study-based exchange and visitor programs in the U.S. These programs are sponsored by an educational or other nonprofit institution, which must be accredited through the Exchange Visitor Program designated by the U.S. State Department.

What is the J-1 program category? ›

There are two nonimmigrant visa categories for persons to participate in exchange visitor programs in the United States. The J-1 visa is for educational and cultural exchange programs designated by the Department of State. The Q-1 visa is for participation in certain international cultural exchange programs.

Does J-1 need sponsorship? ›

Yes. The State Department designates U.S. government, academic and private sector entities to conduct educational and cultural exchange programs. To participate in the Exchange Visitor Program, foreign nationals must be sponsored by one of the State Department-designated sponsors.

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