F 비자 보험사항

Health Insurance Provider: GM Southwest

USHS has no infirmary beds and covers the cost of emergency room visits only after regular office hours and only in the event of illness, not accidental injury. Therefore, it is essential that students have adequate health insurance to cover the cost of hospitalization and hospital expenses due to illness or accidental injury.

VCU sponsors a hospitalization insurance program for students, their spouses, and their dependents. The insurance plan, underwritten by Nationwide Life, offers hospitalization and major medical benefits. Although participation is voluntary, students are strongly urged to enroll or to seek alternate health insurance coverage. Unexpected hospital expenses can interrupt or terminate a student's academic career.

For the 2010-2011 academic year, the student-only coverage plan has an annual premium of $2,160, and a basic maximum benefit of $100,000 per year. Or you may select a basic maximum benefit of $250,000 for an annual premium of $2,254. The annual deductable is $500. Students over age 40 pay somewhat higher premiums. Other coverage options such as student and spouse or family are available as well.

J 비자 보험조건

The J Exchange Visitor Visa Insurance Requirements
for Health, Accident, Repatriation and Medical Evacuation

This handout is designed for J-1 exchange visitors and their dependents. It explains the need for health insurance in the United States and outlines the minimum provisions of the coverage required of every person in J-1 status and any dependents who are in J-2 status. It also defines some of the terms generally used in discussions of health insurance.
As a J-1 Exchange Visitor in the United States you must carry health insurance which meets the following minimum criteria for yourself and your J-2 dependents; failure to purchase health/accident insurance with appropriate repatriation and medical evacuation benefits means that your program will be terminated and reported to the United States Department of State, the government agency that controls the exchange visitor program. PLEASE NOTE: You may purchase an insurance policy after you arrive in the U.S., but if you choose to do so, you should purchase traveler’s insurance to guarantee coverage until your policy in the U.S takes effect. OIE is happy to provide you with acceptable insurance plans and information from several insurance companies upon request.

Required Insurance Specifications 

   1. The policy must provide medical benefits of at least U.S. $100,000 per accident or Illness.
   2. The policy must provide repatriation of remains benefits of at least U.S. $25,000. If you should die in the
       U.S., this will provide support to return your remains to you home country.
   3. The policy must provide medical evacuation benefits of at least U.S. $50,000. If because of a serious
       illness, or injury, you must be sent home on the advice of a doctor, the policy must pay at least the
       amount mentioned above for travel to your home country.
   4. The policy must have a deductible of no greater than U.S. $500 per accident or illness. Most insurance
       policies require you to cover part of your health expenses yourself (your part is called the deductible)
       before the company pays anything.
   5. The policy must have a co-insurance payment of no greater than 25% or less per accident or illness

       of the covered benefits. Usually, even after you have paid the deductible an insurance policy pays only a
       percentage of you medical expenses. The remaining portion, which you have to pay, is the

       co-insurance.