The U.S. Department of State requires all J-1 Exchange Visitors and their J-2 dependents to have health insurance for the full duration of their J program. Willful failure to carry health insurance requirements will result in the termination of your exchange visitor program.
J-1 MINIMUM REQUIREMENTS
1. Medical Insurance: The policy must provide health and medical benefits of at least $50,000* for each accident or illness.
2. Repatriation of Remains: If you should die in the United States, the policy must provide at least $7,500 in benefits to send your remains to your home country for burial.
3. Medical Evacuation: If, because of a serious illness or injury, you must be sent to your home country on the advice of a doctor, the policy must pay at least $10,000 for travel expenses.
4. Deductible: Must be no more than $500 per accident or illness
*Thomas Jefferson University’s J-1 program sponsorship requires that you have accident/ illness/injury health insurance benefits of at least $250,000 per policy period.
Some insurance plans do not cover pre-existing conditions or pregnancy. Please read the policies carefully and contact the insurance companies to match your medical needs.
Bring your health insurance confirmation to the check-in appointment.
LIST OF HEALTH INSURANCE COMPANIES
In consideration of the costs, services and availability of nearby hospitals, we have included a list of companies for you to choose from. However, you are not obligated to buy insurance from those specific companies. You must purchase a plan that offers:
A deductible of $500 or less, and
medical coverage of $250,000 or more
Only Compass Gold or ISO Med 1
Minimum enrollment period is 3 months
(中文 小册子available on website)
If your home country institution or company will provide health insurance for your J-1 program in the U.S., the coverage plan must:
- Meet the Department of State and Jefferson* minimum requirements.
- Have a U.S. office phone number and contact information
- Show proof of this coverage in English and in U.S. dollars