J1 Visa Insurance Requirements
The U.S. Department of State requires all exchange visitors in J-1 visa (non-immigrant status) and their J-2 dependents to purchase comprehensive sickness and accident insurance for the entire J-1 exchange visitor program duration in the United States.
To meet these J1 visa insurance requirements (updated May 15, 2015), the J1 visa insurance plans must meet the following minimum standards for accident and sickness coverage:
- Medical benefits of at least $100,000 per accident or illness
- Repatriation of remains coverage of at least $25,000
- Medical evacuation coverage to home country of at least $50,000
- Maximum deductible of $500 per accident or illness
The insurance policy must also be underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, a McGraw/Hill Financial Standard/Poor's Claims Paying Ability rating of "A-"or above, “A-“ or above rating by Fitch Ratings, Inc., ‘‘A3’’ rating or above by Moody’s Investor Services, or a Weiss Research, Inc. rating of B+ or above.