Medical Insurance for J-1 Scholars

The Department of State requires specific medical insurance coverage for all J-1 exchange visitors and their J-2 family members.

Minimum coverage requirements

Below are insurance requirements for J-1/J-2 visa holders. Each accompanying dependent must be covered by insurance in the same amounts.
  • Medical benefits of at least $100,000 per accident or illness
  • Repatriation of remains in the amount of $25,000
  • Medical evacuation $50,000
  • A deductible not to exceed $500 per accident or illness
The period of required coverage is the actual duration of the exchange visitor’s program as shown on the DS- 2019. Coverage confirmation must be provided upon check in with International Programs and with requests for J-1 program extension.

Finding the policy that is right for you

Evaluate different insurance products to find one that best suits your circumstances. Consider factors such as:
  • If you are married or single
  • Whether you participate in sports activities that might raise your risk of injury
  • If you need maternity coverage
The following companies offer insurance products that meet or exceed the Department of State J exchange program minimum requirements for medical insurance. This is a partial list of companies and products and is provided only as a starting point. It is not an endorsement of any company or product. Additional information specific to benefits-eligible J-1 scholars is provided upon issuance of the DS-2019 in the J-1 Pre-Arrival Guide.

Take the medical insurance requirement seriously

Willful failure to maintain required insurance coverage for the duration of the J-1 program is a violation of the law. Your participation in the exchange visitor program could be terminated as a consequence.

Other helpful information


If you have questions about the insurance requirement, contact an advisor in International Programs International Student and Scholar Services.