Stanford University requires all International Students and scholars on J-1 visas to carry health insurance for themselves and their J-2 dependents for the full duration of their J program.
Hundreds of thousands of students and other educational professionals travel internationally each year, which is why “Student Travel Insurance” plans are so important. Many are now choosing to waive the school plan in favor of a more comprehensive less costly International plan which provides better access to care in the U.S. and outside the U.S. if you happen to travel back to your home country or to a different country while on winter or summer break.
The Minimum benefits are …
- Medical benefits of at least $50,000 per accident or illness.
- Repatriation of remains in the amount of $7,500.
- Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000.
- A deductible not to exceed $500 per accident or illness.
- If a particular activity is a part of your Exchange Visitor program, your insurance must cover injuries resulting from your participation in that activity.
- The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry.
- The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by DOS (an A.M. Best rating of “A-” or above, an Insurance Solvency International, Ltd. (ISI) rating of “A-i” or above, a Standard & Poor’s Claims-paying Ability rating of “A-” or above, or a Weiss Research, Inc. rating of B+ or above)
Stanford University does offer a student plan through Health Net Insurance company, although it does not provide coverage for “Medical Evacuation” to your home country or “repatriation of remains.”
- Stanford annual premium of: $3,384 U.S. dollars.
- Comprehensive International Health Insurance plan annual premium: $1,252. Which also includes; medical evacuation and repatriation of remains.
Take it with you …
A typical school health insurance plan will not provide much coverage if you return to your home country for a visit(s). Or, if you decide to travel internationally over the holidays. An international health insurance plan provides quality health insurance coverage regardless of where you go.
All international citizens studying, traveling, working and living abroad who are age 12 and older.
How to Enroll …
Simply complete the paper application or enroll on-line. If using the paper application please fax or scan & email back to me, I will make sure the process is quick and accurate with the effective date you require.
Please feel free to contact me anytime, I will be happy to answer all of your questions.
916-682-1117 – phone
916-258-0296 – fax