Students coming to the US to study on a J-1
Student Visa, and their family members that are joining them are required
by the US government to carry medical insurance for the full duration of
their stay in the USA. Colleges and universities are required to provide
the government requirements for this insurance however the information provided
usually only illustrates some of these requirements. Below you will find
the full text of the US government requirements for students coming to the
US and their family members on a J-1 & J-2 Student Visa
§
62.14 Insurance
a.
Sponsors shall require each
exchange visitor to 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 sponsor’s exchange visitor program.
Minimum 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
b.
An insurance policy secured
to fulfill the requirements of this section
1.
May require a waiting period for pre-existing conditions
which is reasonable as determined by current industry standards
2.
May include provision for co-insurance under the terms
of which the exchange visitor may be required to pay up to 25% of
the covered benefits per accident or illness and
3.
Shall not unreasonably exclude coverage for perils
inherent to the activities of the exchange program in which the exchange
visitor participates.
c.
Any policy, plan, or contract
secured to fill the above requirements must, at a minimum, be
1.
Underwritten by an insurance corporation having an
A.M. Best rating of "A-" or above, an Insurance Solvency
International, Ltd. (ISI) rating of "A-" 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 or
2.
Backed by the full faith and credit of the government
of the exchange visitor’s home country or
3.
Part of a health benefits program offered on a group
basis to employees or enrolled students by a designated sponsor or
4.
Offered through or underwritten by a federally qualified
Health Maintenance Organization (HMO) or eligible Competitive Medical
Plan (CMP) as determined by the Health Care Financing Administration
of the U.S. Department of Health and Human Services.
d.
Federal, state or local government
agencies, state colleges and universities, and public community colleges
may, if permitted by law, self-insure any or all of the above-required
insurance coverage.
e.
At the request of a non-governmental
sponsor of an exchange visitor program, and upon a showing that such
sponsor has funds readily available and under its control sufficient
to meet the requirements of this section, the Department of State may
permit the sponsor to self-insure or to accept full financial responsibility
for such requirements.
f.
The Department of State, in
its sole discretion, may condition its approval of self-insurance or
the acceptance of full financial responsibility by the non-governmental
sponsor by requiring such sponsor to secure a payment bond in favor of
the Department of State guaranteeing the sponsor’s obligations hereunder.
g.
An accompanying spouse or dependent
of an exchange visitor is required to be covered by insurance In the
amounts set forth in paragraph (a) of this section. Sponsors shall inform
exchange visitors of this requirement, in writing, in advance of the
exchange visitor’s arrival in the United States.
h.
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.
i.
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.
[58 FR 15196, Mar. 19, 1993, as amended at 59 FR 34761,
July 7, 1994. Redesignated at 64 FR 54539, Oct. 7, 1999]
미국 각 대학에서는 The Department of State에서 요구하는 보험조건을 J-Visa 소지한 분들에게 요구하고
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J-1 & J-2
Visa Student Insurance Requirements
