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 $50,000 per accident or illness
Repatriation of remains in the amount of $7500
Expenses associated with medical evacuation of the International Scholar to his or her home country in the amount of $10,000
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, or such other rating service that the International Scholar Program may specify. 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. The medical and hospitalization coverage provided by the Western University Health Plan exceeds these requirements.
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.
J-1 Health Insurance Program at WesternU – Employees
The University offers a BETA Medical Insurance Plan for the 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 International Health Plan. The University pays for the BETA insurance plan, however, the BETA insurance must be supplemented by one of the University’s medical insurance plans, BLUE SHIELD or KAISER offered at a minimual cost to WesternU employees. A benefits orientation with the Manager, Benefits Administration, Office of Human Resources (OHR) must be scheduled on the J-1 scholar’s Date of Arrival on WesternU campus. Any questions, the scholar may have, will be answered during the benefits orientation.
The Host College/Inviting Faculty is responsible for emailing J1Program@westernu.edu with the scholar’s Date of Arrival on campus. The J-1 RO/ARO will schedule an orientation with the Manager, Benefits Administration on thdate of arrival on campus to ensure BETA coverage becomes effective on that day.
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