Health Insurance for F or J- Visa K-12 Students

Peace of mind for parents. Reliable coverage for your child.

Sending your child to the U.S. for middle or high school is a big step — and their health and safety are your top priority.
That’s why we’ve created flexible and affordable insurance plans tailored specifically for international students on F-1 or J-1 visas in grades K-12.​

Benchmark High School Plan

• Annual maximum: Unlimited
• Deductible per period of Insurance: $100
• Age Range: 5-19 years

From

$199 /month

Rate is calculated on a daily basis!

Enroll with this plan

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• Copay emergency room: $350
• Coinsurance in-network: 80%
• Pre-existing conditions: Covered after 6 months
• Mental Health Benefits Limited Coverage
• Motor Vehicle Accident: Paid as any other injury
• Medical evacuation: $50,000
• Repatriation of remains: $25,000
• Provider network: United HealthCare
• A.M. Best Rating: A Excellent

Download full policy (PDF)

Why do international K-12 Students
need private Insurance?

Most U.S. schools do not provide health insurance for international students — especially in the K-12 segment.
F-1 and J-1 visa students are required to show proof of coverage before starting school.

Whether you're coming for a full academic year or just a semester, you need:
• A valid policy that meets school and visa requirements
• Coverage for doctor visits, hospital stays, emergency care, and more
• Support in multiple languages to assist both students and parents

Good to know…

Here are a few key points about health insurance for F and J-Visa K-12 students in the USA.

Why do K-12 students need private insurance?

Most U.S. schools do not provide health insurance for international students. Visa rules require proof of valid coverage. Our plans ensure your child is protected — without unexpected costs for you.

Can I manage the plan from abroad?

Yes. As a parent or guardian, you can enroll, manage the policy, and receive all communication — no matter where you live.

What happens if my child changes schools?

No problem! Our plans are not tied to a specific school. As long as your child stays in the U.S. and maintains their visa status, coverage continues.

Do I need to upload proof of enrollment?

No. You can purchase coverage directly online. Proof of school enrollment is not required during checkout.

Can I choose the start date?

Yes. You can select a custom start date — ideally matching the DS-2019 or I-20 program start. This ensures there’s no coverage gap.

Is dental or vision included?

Routine dental or vision care is not included, but treatment for dental injury or eye-related illness is covered if medically necessary.

Frequently Asked Questions

Can I enroll before my child travels to the U.S.? +

Absolutely — and we recommend it. You’ll receive instant proof of coverage for visa appointments and school registration.

Can I manage my child’s insurance from outside the U.S.? +

Yes. Parents or guardians can enroll, receive all documents, and handle extensions or cancellations completely online from anywhere in the world.

Does this plan meet J-1 visa requirements for exchange students? +

Yes. The plan meets or exceeds all U.S. Department of State requirements, including coverage limits for medical benefits, evacuation, and repatriation.
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Can we cancel the plan if our travel plans change? +

Yes. As long as no claims have been submitted, you may be eligible for a partial refund for unused months. Terms apply.

What if my child needs to see a doctor? +

They can visit any provider in the nationwide UnitedHealthcare PPO network. For emergencies, they should go to the nearest hospital — coverage applies.

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