While in the U.S., all J-1 and J-2 visa holders are required to have health insurance coverage that meets regulatory requirements set forth by U.S. Department of State. To ensure full compliance and participant well-being, AIFS Professional Pathways enrolls all of our sponsored participants in a plan that exceeds regulatory requirements. J-1 Participants have the option of selecting a 'Basic' or 'Upgraded' plan to meet their medical needs.
A general summary of benefits can be found below. For a more details about these plans' coverage, exclusions, and disclosures, contact us for the full policy brochure!
Insurance is administered by Cultural Insurance Services International (underwritten by Crum & Forster SPC), a leading travel insurance provider across the culture exchange industry. What's better? CISI is a division of AIFS, which means you receive premium rates for the level of coverage, fewer middlemen, and the most efficient and centralize customer service possible. The U.S. medical and insurance system can be difficult to navigate – it is our priority to ensure participants have the higher standard of support available.
*Fees and regulatory requirements are subject to change.
Benefits
Basic Plan
Individual & Family
$75 per month - Individual (J-1)
$155 per mo - per Dependent (J-2)
Upgrade Plan
Individual & Family
$105 per month - Individual (J-1)
$210 per mo - per Dependent (J-2)
Evacuation Only
J-2 Option Only
$26 per mo - per Dependent (J-2)
to accompany private, compliant, full-coverage plan
Accident and Sickness Insurance
Medical Expense (per accident or sickness)
$500,000
$500,000
Not covered
Deductable Per Covered Accident or Sickness
$50
$50
Not covered
Deductable for Emergency Room Visits*
$250
$250
Not covered
**The Emergency Room Deductible will be waived if the Insured Person is admitted to the Hospital as an inpatient or if the illness is life threatening. Life threatening means the illness will likely cause the death of the Insured Person.
Co-Insurance
100% of the Usual and Customary Charges
100% of the Usual and Customary Charges
Not covered
Incurral Period
60 days
60 days
Not covered
Maximum Benefit Period
The earlier of the date the Covered Person's Trip ends or 364 days from the date of a Covered Accident/Sickness
The earlier of the date the Covered Person's Trip ends or 364 days from the date of a Covered Accident/Sickness
Not covered
Pre-existing Conditions
Not covered
$2,500
Not covered
Prescriptions
100% of the Usual and Customary Charges
100% of the Usual and Customary Charges
Not covered
Mental/Nervous Outpatient
$250
$250
Not covered
Dental Treatment
$500 for alleviation of pain resulting from infection of gums or sound natural teeth
$500 for alleviation of pain resulting from infection of gums or sound natural teeth
Not covered
Maximum Room and Board Charges
Average semi-private room rate
Average semi-private room rate
Not covered
Emergency Medical
$10,000
$10,000
Not covered
Maximum for ICU Room and Board Charges
Two times average semi-private room rate
Two times average semi-private room rate
Not covered
Ambulance Service to or from a Hospital
100% of the Usual and Customary Charges
100% of the Usual and Customary Charges
Not covered
Preventable and/or Routine Care
Not covered
Not covered
Not covered
Casts, splints, trusses, crutches, and braces (not including replacement of these items or dental braces)
100% of the Usual and Customary Charges
100% of the Usual and Customary Charges
Not covered
Anesthetics and their administration
100% of the Usual and Customary Charges
100% of the Usual and Customary Charges
Not covered
Laboratory tests
100% of the Usual and Customary Charges
100% of the Usual and Customary Charges
Not covered
Radiological procedures
100% of the Usual and Customary Charges
100% of the Usual and Customary Charges
Not covered
Maximum for Chiropractic Care
$500 ($50/visit, max 10 visits)
$500 ($50/visit, max 10 visits)
Not covered
Travel Assistance Insurance
Emergency Reunion
$1,000 ($100/day, max 10 days)
$1,000 ($100/day, max 10 days)
Not covered
Trip Delay
Not covered
$1,500 ($100/day, delayed > 24 hrs)
Not covered
Trip Interruption
$1,000
$1,000
Not covered
Travel Accident Indemnity Insurance
Accidental Death and Dismemberment Per Insured Person
$6,000
$6,000
Not covered
Evacuation and Repatriation Insurance
Emergency Medical Evacuation
100% of Covered Expenses
100% of Covered Expenses
$250
Repatriation of Remains
100% of Covered Expenses
100% of Covered Expenses
$250
Personal Property Insurance
Personal Property
Not covered
$2,000
Not covered
Deductible
Not covered
$100
Not covered
Maximum for Computers
Not covered
$1,000
Not covered
Maximum for Electronic Devices
Not covered
$500
Not covered
Maximum for all covered items
Not covered
$100
Not covered
Non-Insurance Services*
Team Assist Plan (TAP): 24/7 medical, travel, technical assistance
*Services are not insurance and are not affiliated with or provided by Crum & Forster SPC.