Health Insurance Requirement | Webster University

Health Insurance Requirement

All J-1 Exchange Visitors and their J-2 dependents are required by federal regulations to have medical insurance coverage for the entire period of their stay in the U.S. Failure to carry medical insurance is a violation of your visa and could lead to termination of visa and your contract. This medical insurance should be accepted in the United States. While we recommend you to use Webster University sponsored health insurance (either through Student Health Services or through Human Resources) you may choose the medical insurance that is best for you and any family member. However, the medical insurance coverage must meet the following minimum benefits:

  • $50,000 per accident or illness
  • Medical evacuation in the amount of $10,000
  • Repatriation coverage for up to $7500
  • A deductible of no more than $500 per illness

The health insurance must cover all accompanying dependents in J-2 status, with the same terms as above. According to government regulations J programs must be terminated if a scholar or their J-2 dependents fail to comply with health insurance requirements.

An insurance policy secured to meet the benefits requirements must be underwritten by an insurance corporation with one of the following ratings:

  • 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.

Insurance policy backed by the full faith and credit of the government of the exchange visitor's home country meets the requirement.

Upon your arrival at Webster University, you must present your medical insurance card and policy to International Recruitment and International Services during your check-in.