DOS Insurance Requirements for Exchange Visitors: What Sponsor Organizations Need to Know

Placing international exchange visitors in the U.S. involves several administrative responsibilities, particularly regarding health insurance. The U.S. Department of State (DOS) has established clear requirements that sponsor organizations must adhere to in order to ensure the safety and well-being of participants. In this article, we provide an overview of the current insurance requirements and minimum coverage amounts for J-visa holders and highlight what sponsor organizations should be mindful of.

The U.S. Department of State's Minimum Requirements
The DOS requires all J-visa exchange visitors to have health insurance that includes the following minimum coverage:

1. Minimum Coverage for Medical Treatment: The insurance must cover at least $100,000 per accident or illness. This amount ensures that participants are adequately insured in case of serious medical events.
2. Repatriation of Remains: The insurance must provide at least $25,000 in coverage for the repatriation of remains to the participant's home country in the event of death during their stay in the U.S.
3. Medical Evacuation Coverage: In the event of a serious illness or injury requiring the participant to be evacuated back to their home country, the insurance must cover at least $50,000.
4. Deductibles: The maximum deductible per accident or illness should not exceed $500, ensuring that participants are not overburdened with out-of-pocket expenses.

Key Considerations for Sponsor Organizations
Sponsor organizations play a crucial role in selecting the appropriate insurance plan. It is important not only to meet the minimum requirements but also to consider the following factors:

• Provider Availability: Ensure that the chosen insurance plan is underwritten by reputable and recognized insurers that are valid in the U.S. The DOS requires that insurers be either U.S.-licensed or possess a financial rating of at least "A-" from agencies like A.M. Best.
• Long-Term Coverage: Make sure the insurance remains valid throughout the participant’s entire stay in the U.S., including any potential visa extensions or program prolongations.
• Mental Health and Emergency Care: With growing awareness around mental health, it is advisable to choose a plan that includes mental health services and counseling. Additionally, emergency care—whether physical or psychological—should be readily accessible without delay.
• Additional Coverage: Depending on the program and length of stay, it may be beneficial to consider additional coverage options such as dental care, maternity benefits, or liability insurance, ensuring a more comprehensive protection for participants.

Compliance and Risks
As a sponsor organization, it is your responsibility to ensure that each of your participants meets the DOS insurance requirements. It’s important to regularly check for any changes in regulations and adjust your insurance policies accordingly.
Insurance policies that do not meet the minimum requirements or fail to provide adequate coverage could lead to serious consequences for both the participant and the sponsor organization. A participant without sufficient insurance could face financial hardships and potentially violate program rules, which may result in program termination.

Meeting the U.S. Department of State’s health insurance requirements is essential to protect your exchange visitors during their stay in the U.S. Ensure that your insurance providers meet the necessary standards, and review your policies regularly to ensure compliance with current regulations.

​If you have any questions or need assistance in selecting an appropriate insurance plan, we are here to help!