Exchange Visitor Insurance Regulations Explained: DOS Minimums Decoded

The federal regulation 22 CFR 62.14 governs all J-1 exchange visitor health insurance. The legal language can be confusing, so here is a plain-language decoding of what each section actually means for you.

"Medical Benefits of at Least $100,000 Per Accident or Illness"

This is the policy maximum — the most the insurance company will pay for a single covered event. $100,000 is the absolute minimum; many sponsors require higher limits ($250K or $500K) for higher-risk categories like research scholars in laboratories.

"Repatriation of Remains of at Least $25,000"

In the event of death, this pays to transport remains back to the home country. $25,000 typically covers domestic and most international transport, though long-distance international (e.g., US to India or Africa) may require $50,000+.

"Medical Evacuation of at Least $50,000"

Pays for transport to a more capable medical facility — including international air ambulance back to the home country if medically necessary. For high-cost destinations like Hawaii or Alaska, consider $100K+.

"Deductible Not Exceeding $500"

The deductible is what the visitor pays before insurance kicks in. The cap of $500 protects exchange visitors from plans with crippling high deductibles.

Program Sponsor Add-Ons

Many program sponsors require coverage above the federal minimums — particularly for au pairs (often $100K+ maximum, $50 deductible), camp counselors, and research scholars. Always verify with your sponsor before purchasing.

Bottom Line

Understanding the regulations protects you from buying a non-compliant plan. Ombrela's J1 plans are pre-verified against DOS requirements and your sponsor's specific minimums.