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J-1 visa programs

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You will be covered by CIEE’s insurance for the duration of your program and can access the details of your insurance plan and benefits on CIEE’s website.

This mandatory insurance gives you access to the Aetna Preferred Provider network and its 672 000 doctors, hospitals and other medical centers throughout the United Sates.

Your insurance will cover you for up to $1,000,000 in case of illness or accident, $100,000 for personal liability, $100,000 for third-party liability, $1,500 for loss or theft of luggage, $20,500 for legal fees, $15,000 for emergency evacuation. Some expenses are not covered by CIEE’s insurance (for example: injuries due to high-risk sports, pregnancy, plastic surgery, pre-existing conditions, etc.). As for workplace-related accidents, they are first covered by your employer’s workers’ compensation policy and then complemented by your CIEE insurance.

As with all U.S. insurance policies, you will have to pay a small portion of your medical bills directly to the physician or hospital.  This is called a co-pay. When you seek medical treatment, you will be responsible for this co-pay at the time of your visit.

For more in-depth information, please consult CIEE’s website: www.ciee.org/insurance.