美国J1签证要求购买保险，大家帮翻一下，啥意思，特别是红色字体部分

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Exchange Visitors are required, as a condition of their J-1 status in the United States, to
carry medical (health) insurance for themselves and their accompanying family members (J2 visa
holders). By Federal Regulation, minimum coverage must provide: up to $50,000 per accident or
illness; up to $7,500 for repatriation of remains; up to $10,000 for medical evacuation to the home
country; and a deductible not to exceed $500 per accident or illness. Co-insurance may not exceed
25% payable by the Exchange Visitor or sponsor. Acceptable coverage may not exclude risks
inherent in the activities of your Exchange Visitor program. The company providing the insurance
must have an A. M. Best rating of "A-" or above, an Insurance Solvency International, Ltd., (ISI)
rating of "A-i" or above, a Standard & Poor's Claims-paying Ability rating of "A-" or above, or a
Weiss Research, Inc. rating of B+ or above; or backed by the full faith and credit of the
government of the exchange visitor’s home country; or 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.

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关键词：买保险 Organization Accompanying Internation competitive 美国 保险 签证

By Federal Regulation, minimum coverage must provide: up to $50,000 per accident or
illness; up to $7,500 for repatriation of remains; up to $10,000 for medical evacuation to the home
country; and a deductible not to exceed $500 per accident or illness. Co-insurance may not exceed
25% payable by the Exchange Visitor or sponsor. Acceptable coverage may not exclude risks
inherent in the activities of your Exchange Visitor program.根据联邦法律，最低保险金额需达到：5万美元每次事故或疾病；7500美元身故遗体送返；1万美元医疗运送和送返回本国；并且免赔额不能高于每次事故或疾病500美元。如果有共同保险(其实就是保险免赔比例的意思)，那交流访问者或其资助者自保比例不能高于25%。 最后一句话我也不懂。。。

whysmiling 发表于 2013-7-25 18:06
By Federal Regulation, minimum coverage must provide: up to $50,000 per accident or
illness; up to  ...

非常感谢啊！！！

whysmiling 发表于 2013-7-25 18:06
By Federal Regulation, minimum coverage must provide: up to $50,000 per accident or
illness; up to  ...

请问国内保险公司评级在哪能查到啊？有专门针对j1签证的这种保险吗？

这款基本上大一点的保险公司都有的卖，蛮普及的旅行意外伤害保险，不光去美国，去欧洲国家申请申根签证的话也都要的。平安、太平洋、人保应该评级都不差的说。外资美亚（米国）也有的。。。网上投保的也有，我猜应该也有电话投保的。

全美各校F和J签证保险的标准以及符合各标准的保险计划，详见：http://taianfinancial.com/#ucsh

在这个链接中找到了你的访问学校，并且有推荐的访问学者保险计划，那么这个计划就是符合这个学校访问学者标准的。同时，在这个页面也列出了各个学校的F/J保险标准，链接都是指向学校网站。
很多学校明确要求你购买保险的公司必须要有美国当地电话，原因就是方便学校和医院与保险公司直接联系。通过泰安购买IMG医疗保险，网上直接报价，信用卡直接投保(支持国内信用卡)，美国本土公司，提供中文购买指导和服务。