J Insurance Requirements

Per the U.S. Department of State regulations, every international scholar and their dependents are required to have health insurance from an approved vendor in order to maintain legal status. Please note that you do not have to have the insurance before you arrive in Clemson, but you must have it in order to complete your necessary SEVIS check-in. There are multiple options to choose from when searching for insurance that meets the requirements listed below.

The insurance plan must meet ALL of the following:

  1. Medical benefits of at least $100,000 per person per accident or illness
  2. Repatriation of remains in the amount of $25,000
  3. Expenses associated with the medical evacuation to the insured's home country in the amount of $50,000
  4. A deductible not to exceed $500.00 per accident or illness
  5. Includes coverage for perils inherent to the activities of the program in which the insured participates

In addition to the above, the insurance plan must meet at least ONE of the following:

  1. Underwritten by an insurance corporation having a rating of "A-" or above; or
  2. Backed by the full faith and credit of the government of the insured's home country; or
  3. Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; or
  4. Offered through or underwritten by a federally qualified Health Maintenance Organization (HMO) or eligible Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration of the U.S. Department of Health and Human Services

A list of some of the approved insurers can be found here: http://www.clemson.edu/campus-life/campus-services/international/Pages/EDIT- J1 insurance options update.pdf

Once the insurance has been purchased, you must fill out and submit the IS-206 form, along with proof of insurance for each person, to IS. Certificates of coverage with a summary of benefits will count as proof.