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Medical Health Insurance

All Exchange Visitors must have proof of health and accident insurance coverage not only for the Exchange Visitor but for all accompanying family members.

This insurance must meet Department of State standards and amounts including coverage and benefits of $100,000 per accident or illness, a deductible not in excess of $500, repatriation of remains in the amount of $25,000 and medical evacuation in the amount of $50,000. The insurance policy must be underwritten by an insurance corporation having an A.M. Best rating of ‘A’ or above, an Insurance Solvency International, Ltd. (ISI) rating of ‘A-1’ or above, a Standard & Poor’s Claims-paying ability rating of ‘A-‘ or above, a Weiss Research, Inc. rating of B+ or above, a Fitch rating of A- or above, or a Moody’s Investor Services rating of A3. Insurance coverage backed by the full faith and credit of the government of the exchange visitor’s home country shall be deemed to meet this requirement.  The department OR the Exchange Visitor must pay for this coverage.   If the insurance requirement is not complied with, J-1 status will be revoked, and the Exchange Visitor will not be allowed to continue.

There are many, many companies and health plans available on the market, and it can be quite confusing and overwhelming. To assist, the University recommends purchasing coverage under one of these companies:

PSI Health Insurance (Gold Plan preferred)

ISO Insurance

In some cases, the scholar may be able to utilize the health insurance coverage available in his/her own home country or that is part of the overall family’s health coverage. In these instances, we ask that the scholar come prepared with proof of insurance, allowable services, coverage limits, and information on how to utilize that specific plan in the United States.

Shepherd University also asks each exchange visitor to fill out the health status review form and turn this in to our University’s Health Center upon arrival. the scholar may need to consult his/her local physician about required immunizations (Mumps, Measles, and Rubella), a recent Tuberculosis test, and any special medical needs or considerations the Health Center should be aware of. Depending on the region the scholar is coming from, there may be additional information needed.