Student Health Insurance
Both Brandeis University and the State of Massachusetts require that all students, regardless of visa status, carry personal health insurance. The Health Center provides information on insurance and health service fees.
For J-1 visa holders, U.S. law requires you and your dependents (on J-2 visas) to maintain additional health insurance. See below for more information.
J-1 and J-2 Student Health Insurance
All J-1 and J-2 visa holders will need to confirm that they have from home, or will purchase, health insurance coverage that meets the J requirements to maintain their visa status. J-1 visa holders will need to complete the J-1 Health Insurance Agreement and return it to the ISSO prior to enrollment.
J-1 and J-2 Student Health Insurance Requirements
- Medical benefits of at least US$100,000 per accident or illness;
- Repatriation of remains in the amount of US$25,000;
- Expenses for medical evacuation of the visitor to his/her home country in the amount of US$50,000;
- A deductible not to exceed US$500 per accident or illness.
Coverage that includes costs associated with pregnancy is also strongly recommended.
An insurance policy secured to meet the benefits requirements must be underwritten by an insurance corporation with 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, or a Weiss Research, Inc. rating of B+ or above. Alternatively, the sponsor may ascertain that the participant's policy is backed by the full faith and credit of the government of the exchange visitor's home country.
All J-1 and J-2 visa holders will need to confirm that they have from home, or will purchase, health insurance coverage that meets these requirements to maintain their visa status. Maintenance of health insurance coverage, for oneself and dependent family members, is the responsibility of the J-1 Exchange Visitor.
Medical services in the United States are expensive. A trip to the emergency room or hospitalization can result in large bills for those without adequate health insurance coverage. If your dependent family members do not have sufficient medical insurance coverage from their home country that extends to the United States, they will need to purchase appropriate insurance to cover them while they are living in Massachusetts.
Short-term insurance plans can be purchased in a variety of plan lengths specifically for visiting the United States.
Those J-1 visa holders eligible for the Brandeis Student Health Plan are reminded that this plans does not include coverage for the required medical evacuation and repatriation. J-1 visa holders can find more information on the ISSO website about a separate medical evacuation/repatriation "rider" (through an outside company, that the J-1 visa holder can enroll in on their own). The combination of the Brandeis Student Health Plan and the medical evacuation/repatriation rider will, together, meet the J visa health insurance requirements.