J-1 Exchange Visitor Program

Health Insurance Requirement for J-1 and J-2 Visitors

All Exchange Visitors and their accompanying dependents must have at least the required minimum coverage of health insurance for the entire period of their stay in the United States as indicated by the US Department of State. The minimum coverage requirements are outlined below:

  • Medical benefits of at least $50,000 per accident or illness;
  • Repatriation of remains in the amount of $7,500;
  • Expenses associated with the medical evacuation of the Exchange Visitor to his or her home country in the amount of $10,000; and
  • A deductible not to exceed $500 per accident or illness;
  • An insurance policy secured to fulfill the requirements of this section:
    • May require a waiting period for pre-existing conditions which is reasonable as determined by current industry standards;
    • May include provision for co-insurance under the terms of which the Exchange Visitor may be required to pay up to 25% of the covered benefits per accident or illness; and
    • Shall not unreasonably exclude coverage for perils inherent to the activities of the Exchange Program in which the Exchange Visitor participates.
  • Any policy, plan or contract secured to fill the above requirements must be, at minimum,
    • Underwritten by an insurance corporation having 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 Claim-paying ability rating of "A-" or above, a Weiss Research, Inc. rating of "B+" or above, or other such rating as the Department of State may from time to time specify; or
    • Backed by the full faith and credit of the government of the Exchange Visitor's home country; or
    • Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; 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 US Department of Health and Human Services (22 CFR 62.14)

 

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