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J1/J2 Scholar – Health Care & Insurance

Students

All exchange visitors (both J-1 and J-2 dependents) are required by federal regulations to have health insurance which includes medical evacuation and repatriation insurance in effect for the full duration of their exchange visitor program. Fulfilling this requirement is essential not only because medical treatment in the United States is very expensive, but also because you and your family members are considered to be in violation of J-1/J-2 status if you do not have sufficient insurance.

If the J-1 is considered a UD employee and is eligible for full UD benefits:

Medical coverage for the scholar and their dependents is provided by either Blue Cross or Aetna, but coverage for medical evacuation and repatriation of remains is not covered and must be purchased separately for each individual (including J2 dependents).

Separate evacuation and repatriation insurance can be purchased online. The coverage must meet the minimums in the chart below.
An example of medical evacuation/repatriation coverage that meets the requirements is the BETA Scholastic Plan (Basic Emergency Travel Assistance Plan) www.betins.com/products/evacuation/beta.aspx.

If J-1 is a UD Postdoctoral Fellow who is eligible for the UD Student Health Insurance Plan:

Scholar and their dependents must enroll in the student health plan through http://www.udel.edu/RM/student-insurance.html.

If J-1 is not eligible for either UD student or employee health plans:

Scholars and dependents must purchase health insurance that meets the requirements in the chart below.

For examples of coverage that meets the requirements, contact OISS.

 

The insurance coverage for both J-1 and J-2s must meet the following requirements:

 

Medical benefits (Minimum coverage per accident or illness)

Medical evacuation (Minimum Coverage)

Repatriation of remains
(Minimum Coverage)

Deductible
(Maximum permitted
per accident or illness)

$100,000

$50,000

$25,000

$500

 

All J-1 visa holders must prove to OISS that he/she and his/her dependents have insurance that meets the Department of State’s requirements. If a foreign national is unsure whether the insurance they plan to buy meets the Department of State requirements, the foreign national should contact OISS before making the purchase.

Penalties for Not Maintaining Required Insurance


According to federal regulation, a J exchange visitor who willfully fails to maintain this insurance coverage 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.