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J-1 Insurance

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

ISOA
Only Compass Gold or ISO Med 1
Minimum enrollment period is 3 months
(中文 小册子available on website)

INSUBUY

VISIT INSURANCE

INTERNATIONAL STUDENT INSURANCE

INDEPENDENCE BLUE CROSS
Must choose Gold plan or above

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