J-1 Insurance Requirements
Health insurance for J-1 Exchange Visitor participants is required by federal regulation under 22 CFR §62.14.
All participants—and their dependents—must maintain qualifying insurance for the entire duration of their program.
Who Must Be Covered
All J-1 Exchange Visitors and their dependents (spouses and/or minor children) must have insurance that covers sickness and accidents while participating in the program.
Minimum Health Insurance Benefits
Your insurance plan must meet the following federal minimum benefits:
- Medical Benefits: At least $100,000 per accident or illness
- Repatriation of Remains: At least $25,000
- Medical Evacuation: At least $50,000 to home country
- Deductible: No more than $500 per accident or illness
Insurance Provider Ratings
Must meet one of the following:
- A.M. Best: rating of A- or above
- Insurance Solvency International (ISI): rating of A-I or above
- Standard & Poor’s: rating of A- or above
- Weiss Research: rating of B+ or above
J-1 Students
Participants and their dependents must:
- Enrollment in the Adelphi University health insurance plan is required unless a waiver is approved
- Insurance fees are billed directly to the student’s tuition account
- Students with comparable coverage may request a waiver
Waiver Requirements
- Must be submitted prior to the posted deadline
- Must meet all federal (ACA) and New York State insurance requirements
- Must meet all J-1 minimum coverage requirements listed above
Learn more about health insurance plan details or waiver information. If you have questions, please contact studentinsurance@adelphi.edu.
J-1 Scholars and Professors
J-1 categories include short-term scholars, research scholars and professors.
Participants and their dependents must:
- Submit a Health Insurance Guarantee to International Services before receiving the Form DS-2019
- Purchase and maintain health insurance independently (Adelphi does not provide a university-sponsored plan for J-1 scholars)
- Maintain insurance that meets federal minimum requirements for the full program duration
- Submit proof of insurance to International Services during orientation for review and approval
Important Compliance Information
Failure to maintain required health insurance is a violation of J-1 program regulations and may result in termination of your SEVIS record.