Government Regulations




U.S. Department of State regulations require that sponsors (colleges, universities, or agencies which promote educational exchange) monitor insurance coverage for all Exchange Visitors (J-1 principal and J-2 dependents) in their programs.

While no recommendations are made on specific policies or carriers, the regulations do establish minimum coverage as follows:

  1. Medical benefits of at least $100,000 per accident or illness;

  2. Repatriation of remains in the amount of $25,000;

  3. Expenses associated with medical evacuation of the Exchange Visitor to his or her home country in the amount of $50,000.

An insurance policy secured to fulfill these requirements must provide coverage for activities inherent to the exchange program but may impose the following conditions:

  • A waiting period for pre-existing conditions as long as the waiting period is reasonable by current industry standards;

  • A co-payment not greater than 25%;

  • A deductible not to exceed $500 per accident or illness.

In addition to the standards for coverage, the regulations also set forth rating requirements for acceptable policies. Coverage backed by the full faith and credit of the government of the Exchange Visitor's home country are exempt from these rating requirements.

Important: Department of State regulations require insurance coverage to be in place from the time the Exchange Visitor enters the program and through the duration of the program. UNH is required to terminate an Exchange Visitor's participation in the program if the visitor and his/her dependents willfully fail to comply with and maintain the required insurance coverage.

All Exchange Visitors must comply with this mandatory insurance requirement.