International students studying in America for a few years are typically on a F-1 Visa. Purchasing international student insurance (aka 留学生 保险) plans is mandatory. In terms of the high price of insurance plans, many schools permit students to waive university insurance in the U.S. (aka waive 美国大学保险). 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.
A J1 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 receiving training, demonstrate special skills, study or even teach throughout the US – all opportunities that would otherwise be unavailable in their home country.
As part of the J1 visa requirements, you will be required by the Department of State to maintain adequate coverage of J-1 health insurance in the United States (aka 美国j1保险) or 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 J1 visitor to his or her home country in the amount of $50,000
- A deductible not to exceed $500 per accident or illness
Furthermore, any family members traveling with you have to have recommended travel insurance in the US (aka 美国旅游保险推荐). If you are going to work in America after graduation, you need to apply for OPT and buy OPT insurance (aka opt 保险). If you are lucky to change to H-1B Visa, you also need to buy H-1B medical insurance (aka h1b 医疗保险).