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  5. Insurance

Insurance

The U.S. Department of State requires a minimum level of health and travel insurance coverage for all participants of ÈÕ²©ÌåÓý Professional Exchange Programs.

There are two ways participants can meet this requirement:

Insurance Provided by ÈÕ²©ÌåÓý

The majority of interns and trainees* will be covered by standard ÈÕ²©ÌåÓý insurance, which includes the following coverage:

  • 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 exchange visitors to his or her home country in the amount of $50,000
  • Maximum Benefit: $1,000,000

​All participants not covered by ÈÕ²©ÌåÓý’s policy must receive equivalent insurance coverage (provided by the host organization or a third party) that meets the same minimum U.S. Department of State requirements.  

Please note: ÈÕ²©ÌåÓý insurance is also available for a fee to research scholars, short-term scholars, professors, and specialists.

Insurance Provided by Host Organization

Many host organizations provide medical insurance coverage as part of their compensation for participants of Research Scholar USA, Short-Term Scholar USA, Professor USA, and Specialist USA. If your host organization intends to provide insurance to you as part of your program, ÈÕ²©ÌåÓý will verify (during the application process) that the insurance policy meets U.S. Department of State’s minimum requirements.

Please note: In most cases, insurance provided by host organizations doesn’t include repatriation and medical evacuation – provisions required by the U.S. Department of State. If this is the case, your international intern, trainee, or professional will need to be covered by ÈÕ²©ÌåÓý insurance.

Note About Workers' Compensation (J-1 Interns & Trainees Only)

The U.S. Department of State requires all paid J-1 interns and trainees to be covered by their host organization’s workers’ compensation policy (unless the organization is exempt by state law). If the intern or trainee is unpaid, ÈÕ²©ÌåÓý may be able to accept coverage under a general liability policy.

Please note: This does not apply to research scholars, short-term scholars, professors, or specialists.

Note about the Affordable Care Act

ÈÕ²©ÌåÓý insurance does not meet U.S. Affordable Care Act (ACA) regulations. As a result, there may be tax implications if your program lasts more than two years. Please consult a tax professional for more information.

If you have any questions about insurance, please contact us.