J-1 VISA INSURANCE - STUDENTS
J-1 Visa Insurance - Students
All persons coming to BYU on J-1 visas are required by the U.S. State Department to have sickness and accident insurance and medical evacuation and repatriation insurance in effect for the duration of their exchange visitor status. (22 Code of Federal Regulations 62.14) This information should be conveyed to them in initial correspondence by the sponsoring department and the International Student Office.
Most students come to BYU on F-1 visas. Those students who come on J-1 visas may purchase the DMBA Student Plan insurance or insurance from a vendor that meets federal requirements.
Graduate students on work experience programs must provide proof of insurance meeting the minimum requirements. DMBA student insurance is not available to this group.
If the exchange visitors are non-student BYU employees (faculty or researchers), they may elect to participate in the DMBA Employee Insurance program. When a J-1 exchange visitor’s workload is equivalent to a full-time faculty or researcher, the exchange visitor should be classified as full-time.
Departments may elect to pay the cost of insurance for faculty or researchers they sponsor. Generally, departments would pay the cost of those who are solicited to come and will be here less than one semester.
Non-employee, non-student exchange visitors must secure their own insurance. DMBA insurance is not available to this group.
The International Office will maintain a list of optional insurance programs that meet federal requirements.
BYU will, through self-insurance or a commercial program, provide coverage for J-1 employees and students for the repatriation and evacuation portion of the insurance needed if benefits available do not meet the federal requirements.
Federal minimum insurance requirements (22CFR 514.14) include:
- A deductible of no more than $500 per accident or illness.
- Medical benefits of at least $50,000 per accident or illness.
- Repatriation of remains in the amount of $7,500.
- Medical evacuation to home country in the amount of $10,000.
- May require a reasonable waiting period for pre-existing conditions.
- May require 25% co-insurance per accident or illness.
- Shall not unreasonably exclude coverage for perils inherent to the activities of the exchange program in which you participate.