Kodi inshuwaransi yazaumoyo ndiyovomerezeka kwa ophunzira apadziko lonse lapansi ku US?

Mapulani a inshuwaransi amateteza ophunzira ochokera kumayiko ena ku ngongole zosayembekezereka zachipatala ku United States pomwe amayang’ana kwambiri zolinga zawo zamaphunziro.

Wolemba Shiranth Natraj

United States ili ndi makoleji otchuka, makoleji, ndi mayunivesite. Ophunzira ochokera padziko lonse lapansi amabwera ku United States kukachita maphunziro, kulandira maphunziro, kukulitsa luso lawo, kukhala ndi luso lothandizira pamaphunziro awo, ndi zina zambiri. Komabe, pakhoza kukhala zovuta zina panthawi ya maphunziro, monga zadzidzidzi zachipatala.

Ophunzira apadziko lonse lapansi amatha kukhala kwakanthawi ku United States kutengera mapulogalamu omwe asankha. Atha kubwera ku US pa ma visa a J1 ndi F1. Ophunzira omwe ali pa ma visa a J1 ndi ophunzira osinthana nawo omwe abwera kudzatenga nawo mbali pamapulogalamu osinthira chikhalidwe. Pomwe ophunzira omwe ali ndi ma visa a F1 amabwera ku United States kuti adzalandire digiri kapena satifiketi pamaphunzirowa.

Werengani: Kodi inshuwaransi ya alendo imaphimba chiyani? (Novembala 8, 2021)

Ophunzira apadziko lonse omwe ali ndi ma visa a J1

Ophunzira akunja kapena akatswiri omwe ali ndi ma visa a J1 ayenera kulembetsa kusukulu zovomerezeka za sekondale kapena kutenga nawo gawo pamapulogalamu ophunzitsira ophunzira omwe angakwaniritse zolinga zawo zamaphunziro kudziko lawo. Ophunzira amatha kulembetsa mapulogalamu anthawi zonse opanda digiri, kugwira ntchito zaganyu pansi pamikhalidwe ina, kapena kutenga nawo gawo pamaphunziro omwe amalipidwa kapena osalipidwa.

J1 visa inshuwalansi ya umoyo

Ophunzira a J1 ayenera kukhala ndi inshuwaransi yazaumoyo. Dipatimenti ya boma ya US ili ndi zofunikira zochepa za inshuwaransi kwa omwe ali ndi ma visa a J1 ndi J2.

  • $ 100,000 phindu lachipatala pa ngozi iliyonse kapena matenda
  • $25,000 kubweza zotsalirazo
  • $50,000 pochotsa mlendo kunyumba kwawo kuchipatala
  • $500 kuchotsera pa matenda aliwonse kapena kuvulala
  • Dongosolo loti lilembedwe ndi kampani ya inshuwaransi yokhala ndi AM Best rating ya A- kapena kupitilira apo, Insurance Solvency International Ltd (ISI) rating ya AI kapena apamwamba, Standard & Poor’s Payability Rating ya A- kapena apamwamba, kapena Weiss Research Inc. B+ kapena pamwamba.

Malinga ndi lamuloli, omwe ali ndi ma visa a J akuyenera kukhala ndi inshuwaransi yokwanira panthawi yonse ya mapulogalamu awo. Kulephera kukhala ndi inshuwaransi ndikuphwanya malamulo ndipo kungayambitse kuthetsedwa kwa pulogalamuyi.

Ophunzira amatha kusankha mapulogalamu a inshuwaransi omwe amathandizidwa ndi sukulu, koleji kapena yunivesite. Komanso, amatha kusankha mapulogalamu amtundu uliwonse kapena gulu panthawi yomwe amakhala. Ophunzira a ma visa a J visa atha kusankha kugula mapulani a inshuwaransi ya J visa kuchokera ku kampani ya inshuwaransi yaku US ngati iloledwa ndi bungwe lothandizira.

Werengani: Chifukwa chiyani inshuwaransi yaumoyo wa alendo imalimbikitsidwa kuti apite ku USA? (Ogasiti 7, 2021)

F1 International Ophunzira

Ophunzira akunja omwe ali ndi ma visa a F1 amabwera ku United States kuti adzalandire madigiri kuchokera kusukulu, makoleji, kapena mayunivesite ovomerezeka ndi SEVP Immigration & Customs Enforcement. Ophunzira a F1 ayenera kulembetsa maphunziro anthawi zonse ndipo atha kukhalabe ku United States mpaka kumaliza maphunzirowo. Komabe, ayenera kukonzekera kubwerera kwawo akamaliza maphunziro awo. Ngati ophunzira akugwira ntchito pansi pa pulogalamu ya OPT (Optional Practical Training) akamaliza maphunziro, atha kuwonjezera ma visa awo.

Inshuwaransi yaumoyo F1 Visa

Inshuwaransi yazaumoyo siyokakamizidwa kuti mukhalebe ndi visa ya F1, koma ophunzira apadziko lonse a F1 sangathe kulembetsa maphunziro ku United States popanda inshuwaransi yachipatala. Ophunzira akavomerezedwa ndi SEVP, amalandira Fomu I-20. Fomu iyi imalemba chilichonse, kuphatikiza chiyambi ndi kutha kwa pulogalamuyi, magwero a ndalama, inshuwaransi yazaumoyo, zambiri zamunthu, ndi zina zambiri.

Dipatimenti Yaboma ku US simakhazikitsa zofunikira zilizonse za inshuwaransi kwa ophunzira a F1. Nthawi zambiri, mabungwe amasankha kuchuluka kwa maphunziro omwe ophunzira angafunikire kuti alembetse m’makalasi. Popeza zidzasiyana, ophunzira angapeze inshuwalansi m’njira zingapo. Mwachitsanzo, atha kutenga inshuwaransi kuchokera ku pulogalamu yamagulu yokakamizidwa ndi sukulu popanda njira yochotsera kufalitsa, pulogalamu yothandizidwa ndi sukulu yokhala ndi mwayi wosiya, kapena kusankha kuphunzitsidwa kunja kwa sukulu komwe kulibe pulogalamu yothandizidwa ndi sukulu.

Werengani: Kodi Ophunzira Padziko Lonse Amafunikira Inshuwaransi Yaumoyo ku US? (Disembala 22, 2020)

Chifukwa chiyani inshuwaransi yaumoyo ndiyofunikira kwa ophunzira apadziko lonse lapansi?

Mapulani a inshuwaransi amateteza ophunzira ochokera kumayiko ena ku ngongole zosayembekezereka zachipatala ku United States pomwe amayang’ana kwambiri zolinga zawo zamaphunziro. Inshuwaransi yazaumoyo imakhudza ndalama zoyenera kuchipatala, chindapusa, maopaleshoni, kuyendera madokotala, chithandizo chachangu, kusamutsidwa kwachipatala mwadzidzidzi, kubweza kwawo, amayi oyembekezera, matenda amisala, masewera olimbitsa thupi, ndi zina zambiri. Dongosolo lililonse limakhala ndi chithandizo chosiyana malinga ndi zosowa za wophunzira.

Popeza dziko la United States lili ndi imodzi mwa njira zachipatala zodula kwambiri padziko lonse lapansi, sizingakhale zophweka komanso zosavuta kuti aliyense awononge ndalama zambiri pamankhwala. Chifukwa chake, zimakhala zovuta kuti ophunzira apadziko lonse lapansi azilipira ndalama zachipatala kuchokera m’thumba.

Ngakhale kuti ophunzira a J1 ayenera kugula ndondomeko ya inshuwaransi yomwe ikukwaniritsa zofunikira za inshuwaransi za Dipatimenti ya Boma la US, ophunzira a F1 ayenera kugula ndondomeko yomwe ikukwaniritsa zofunikira za sukulu yawo. Ophunzira apadziko lonse amapezanso njira yochotsera kugula inshuwaransi kuchokera kunja. Chifukwa chake, ziribe kanthu kuti visa ingakufikitseni ku United States, kunyamula inshuwaransi yachipatala nthawi zonse kumakhala kothandiza panthawi yomwe mukukhala

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