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J Visa Insurance Requirements:
UMN Mandatory Insurance
U.S. Department of State Regulations (CFR 22 Sec. 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:
- Medical benefits of at least $50,000 per accident or illness;
- Repatriation of remains in the amount of $7,500;
- Expenses associated with the medical evacuation of the exchange
visitor to his or her home country in the amount of $10,000; and
- A deductible not to exceed $500 per accident or illness.
- b. An insurance policy secured to fulfill the requirements of this
section:
- May require a waiting period for pre-existing conditions which is
reasonable as determined by current industry standards;
- 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
- 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:
- Underwritten by an insurance corporation having an A.M. Best rating
of "A-" or above, an Insurance Solvency International, Ltd. (ISI)
rating of "A-i" 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 Agency may from time to time specify;
or
- Backed by the full faith and credit of the government of the exchange
visitor's home country; or
- Part of a health benefits program offered on a group basis to employees
or enrolled students by a designated sponsor; or
- 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 Agency may permit the sponsor to self-insure or to accept
full financial responsibility for such requirements.
- f. The Agency, 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 Agency 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 Sec. 62.14(a)
above. 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 shall
not 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)
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Last Update: April 9, 2008
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