- Visitors Insurance
- Green Card Insurance
- Travel Insurance
- Explore our Products
- Knowledge Center
- Customer Support
- Why VisitorsCoverage?
We have received your request. One of our licensed insurance agents will get in touch with you.
J1 Visa Health Insurance
J-1 exchange visitor visa is issued by the United States government to people taking part in academic, work-based exchange programs or cultural programs sponsored by schools, businesses, organizations and institutions. Individuals may be granted a J-1 visa if they are visiting the US to participate in an exchange visitor program such as:
- Au pair
- Camp counselor
- College or university student
- Government visitor
- Intern or trainee
- Professor or research scholar
Those entering the US on J-1 visa must have valid health insurance that meets certain criteria established by the Department of State. For J-1 visa holders, health insurance is not an option; it is a requirement. If you are applying for a J-1 visa as an exchange visitor, then you must purchase an exchange program insurance policy that meets the J-1 insurance requirements.
J1 Visa Health Insurance Requirements
J1 visa holders and their dependents on J2 visa status are required to have health insurance during their stay in the US as an exchange visitor. They must provide adequate proof of health insurance that meets certain requirements.
Beginning May 15, 2015, medical insurance coverage for J1 visa insurance must meet the following minimum benefits:
- Medical coverage of at least $100,000 per illness or accident, meaning that the J-1 visa holder's medical insurance policy must have a policy maximum of at least $100,000 in the event of a medical problem.
- Repatriation, or return of mortal remains, coverage of at least $25,000. If the J-1 visa holder dies in the US, repatriation benefits cover the costs of transporting his/her mortal remains back to his/her home country.
- Medical evacuation coverage of at least $50,000 to return the exchange visitor back to his/her home country.
- Deductible amount no more than $500 per accident or illness.
Medical insurance policies that meet the above listed benefit requirements must be underwritten by an insurance carrier that possesses the following features:
- A.M. Best rating of A- or above
- McGraw Hill Financial/Standard & Poor's Claims paying Ability rating of A- or above
- Weiss Research, Inc. rating of B+ or above
- Fitch Ratings, Inc. rating of A- or above
- Moody's Investor Services rating of A3 or above
These new requirements differ from the old mostly in coverage amounts, which have been increased. The new requirements only apply to J-1 visa exchange visitors whose travel to the USA starts May 15 or later. J-1 visa holders whose exchange visitor programs began prior to May 15 do not need to purchase a new health insurance policy that meets the changed J-1 visa insurance requirements.
VisitorsCoverage offers exchange visitor insurance plans that meet the J-1 visa insurance requirements set by the Department of State. A letter can be provided if the J-1 applicant's sponsoring exchange visitor program requests proof of adequate health coverage.