J-1 Insurance Requirements

All Exchange Visitors and their dependents are required to have sickness, accident, medical evacuation, and repatriation insurance in effect for the entire duration of their Exchange Visitor Program. Exchange Visitors are required to obtain insurance from a US insurance company. A willful failure to carry insurance is considered to be a violation of the Exchange Visitor Program regulations and will result in termination of the J-1 program. Exchange Visitors are required to show proof of health insurance in order to validate their J-1 program initially and throughout the program. 

Health insurance held by J-1 Exchange Visitors and J-2 dependents must meet all of the following minimum coverage amounts:

  • Medical benefits of at least $100,000 per accident or illness;
  • Repatriation of remains in the amount of $25,000;
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000; and
  • A deductible not to exceed $500 per accident or illness.

For more detailed information on the health insurance requirements and options available, refer to the J-1 Health Insurance Guide (PDF).

Submitting Insurance Documents

All J-1 Exchange Visitors are required to provide proof of insurance to the Center for Global Health. Incoming and current J-1 Exchange Visitors will provide insurance details through the Insurance Verification function on the Requests tab within their Terra Dotta Scholar Portal.

If you have coverage other than MUSC employee insurance coverage, you must upload proof of insurance documents. Your proof of insurance documents must provide your name, the dates of coverage, and full details of coverage indicating the specific insurance benefits. This is sometimes known as Confirmation of Coverage or Schedule of Benefits. In addition, some insurance plans provide a “Visa Letter” that contains all of these details.

If you have J-2 dependents, you must also upload proof of insurance documents for each J-2 dependent.