Visas & Requirements

International student medical insurance is the perfect combination between normal medical insurance and travel insurance.Normally student insurance plans offer coverage for club sports, medical evacuation, repatriation and other benefits such as mental health. Student insurance offer flexibility in choosing the range of coverage you need, be it: semester or annual.

There are several types of student visas when you are coming to the USA to complete your higher education. Below, you can find a short explanation of the most common visas which are: F, J and OPT.

*It is important to keep in mind that there are several other visas that can be offered to someone coming to study.

What is an FVisa?

An F visa is the type of visa most international students, it a non-immigrant visa. The department of state issues such visa after a student has been accepted to a private elementary, middle or high school, college, English language school or academic institution.

There are several qualifications a person must possess to be eligible for an F Visa.

• People applying for an F visa must live in a country outside of the USA and must demonstrate that they intend to return to their home country once they have completed their studies.
• You may only attend the school that granted youwith the visa application.
• When applying for an F visa the applicant must show that he/she is financially able to pay for school and living expenses.
• The applicant must show that they have strong ties to their home country, such as: family, bank accounts, job offer, etc.

Medical Insurance with an F1 Visa

There are no specific medical insurance requirements for F visa holder set forth by the government or the Department of State. Normally, your school will give you a list to determine the benefits and level of coverage you need. On the other hand, if your school does not have specific requirements, you will have to determine the level of coverage yourself.

School Requirements

Since there are no specific requirements set forth by the government then the school will administer the requirements, based on what they see fit.

  • You can be asked to have a Mandatory group school plan with no option to waive. Which means that you will have to get the school sponsored plan and cannot get a private insurance.
  • You can also have the option to either get the school sponsored insurance plan or to waive out of it and purchase your own plan.
  • Your school may also not offer any plan for their students in which case you will choose your own coverage based on your necessities.

What is a J1 visa?

The J1 visa is a non-immigrant visa issued to exchange students, academic researchers and/or professors who wish to participate in exchange programs in the United States. The J1 visa is designed in such a way that the participant can study and work for the duration of the program.

The J1 visa was created to strengthen international ties through the educational and work experience. The applicant will not onlybe able to continue with their studies but also to acquire practical experience in their field of study.

If you want to get a J1 visa you will have to meet a list of eligibility requirements. You will need to check English language skills and you will require a sponsorship through the university, government program, or a private organization. With the J1 visa you will have the authority to add your dependents during the duration of the program. They will be granted a J2 visa and must complete the same application process as the holder.

Medical insurance requirements for the J Visa

When you hold a J visa, you will be required to have medical insurance that meets the requirements of the U.S. Department of State Below you can find a list of medical insurance requirements established by the United States Department of State for J visas.

  • Expenses Medical At least of $100.000 Dollars Of all the States United of North AmericaBy Accident or Disease.
  • Repatriation of mortal remains with a minimum value of $25.000 dollars from the United States of America.
  • Emergency medical evacuation with a minimum value of $50.000 dollars from the United States of America.
  • Maximum deductible from $500 United States dollars by accident or sickness.
  • A policy secured by an insurance company with:
  • A-rating of "A+" or higher by A.M. Best
  • A rating of “A-” or higher in claims payment capacity by McGraw Hill FinancialStandard Poor’s has
  • A rating of "B+” or higher by Weiss ResearchInc.
  • A rating of "A-” or higher by Fitch ratings, INC.<
  • A rating of "A3” or higher by Moody’s Investor Service

Check with your sponsor about the details of your medical insurance plan (such as if you are required to be a group medical insurance or not). Everything must be approved by your sponsor and in compliance with the guidelines of your program.

What is OPT?

Optical Practical Training, also known as OPT, is an employment permission for F1 visa status to gain practical skills in their field of study. F1 students will have the opportunity to get real work experience for up to twelve months or more, after they complete their degree without getting an H1-B visa.

Students who are on an OPT typically are not qualified for the school’s insurance plan and the employer may not necessarily provide international student medical insurance; if this is the case then you will have to purchase your own insurance until you find.

*Keep in mind having medical insurance is always highly recommended by the government, the school and other entities. Healthcare in the USA is extremely expensive without medical insurance.
Global4Students offers a variety of plans for international students, select your visa type, your age and your schools; there you will be able to see the plans that comply with your school’s requirements and your visa. Remember to double check with your school and their requirements to see you comply with everything before purchasing any product!


Please contact the Global4Students customer support team at (305) 377-8999 or at [email protected], to verify information regarding your visa type and university.