DOS Requirements for J-1 Health Insurance
Important – please read carefully.
All J-1 visiting scholars and their J-2 dependents are required to maintain health and accident insurance coverage during the entire time the J-1 & J-2(s) are in the United States as required by the Department of State (DOS)/Department of Homeland Security (DHS). The DOS/DHS regulations specify a minimum level of coverage as follows:
Medical benefits of at least $100,000 per accident or illness
Repatriation of remains in the amount of $25,000
Expenses associated with medical evacuation of the International Scholar to his or her home country in the amount of $50,000
A deductible not to exceed $500 per accident or illness.
Any insurance policy secured to fulfill the above requirements, must 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 and Poor’s Claims-paying Ability rating of “A” or above,
- a Weiss Research, Inc. rating of “B+” or above,
- an “A” rating by Fitch Ratings, Inc.
- an “A3″ rating by Moody’s Investor Services.
Insurance coverage backed by the full faith and credit of the government of the International Scholar’s home country shall be deemed to meet the requirement.
An International Scholar who willfully fails to maintain the insurance coverage as set forth or who makes a material misrepresentation to the sponsor regarding the coverage will be considered to be in violation of the USIA regulations and will be subject to termination as an International Scholar participant. It is your responsibility, not Western University’s, to obtain and maintain insurance coverage. All International Scholars during the employee benefits orientation sign a statement that they understand and intend to comply with the medical insurance requirement.
If you have medical insurance from your home country, you must bring a written statement from your insurance carrier in English showing that your insurance meets the U.S. Department of State (DOS), Homeland Security (DHS) requirements for J-1 International Scholars.
BETA - Basic Emergency Travel Assistance Insurance Plan
J-1 Employees & J-2 Dependents
The University provides the BETA Insurance Plan for J-1 international scholars and their J-2 dependents. If you are a J-1 exchange visitor being paid by WesternU, you may be eligible for the BETA Insurance Plan. The University pays for the BETA insurance, however, BETA insurance must be supplemented by one of the University’s medical insurance plans, BLUE SHIELD or KAISER offered at a minimual cost to J-1 employees.
New Employee Orientation
A new employee orientation will be scheduled on the visiting scholar’s Date of Arrival on WesternU campus. Any medical insurance questions the scholar may have will be answered during the benefits presentation of the new employee orientation.
The Host College/Inviting Faculty member is responsible for emailing J1Program@westernu.edu to confirm the visiting scholar’s Date of Arrival on campus. The J-1 RO/ARO will notify Human Resources (HR) so an employee orientation can be scheduled and to ensure BETA coverage becomes effective on scholar’s arrival date.
Visiting Scholars who are not WesternU employees
In accordance with DOS/DHS regulations, proof of medical insurance (in ENGLISH) is required for all J-1 visiting scholars and their J-2 dependents while visiting in the U.S. Evidence of health insurance must be received prior to entering the United States. Please send ‘Evidence of Insurance’ documentation to: J1Program@westernu.edu