Health Insurance is Mandatory for J-1 Exchange Visitors and any J-2 Dependents that will accompany J-1 to the United States.

If you are in the J-1 Exchange Visitor Student Category  at Temple University, you will be eligible to enroll in health insurance through Classifications and Enrollment Process | Temple University Human Resources.

Temple University requires proof of insurance which meets the US Department of State criteria, including medical evacuation and repatriation, only from firms whose coverage has been verified as meeting the Department of State minima prior to the issuance of any Form DS-2019. Insurance purchase dates must match dates on invitation / appointment letter. Discuss your J-1 program dates with your Temple University department PRIOR to purchasing insurance. If dependents will arrive after the exchange visitor, insurance may be purchased for them closer to their arrival in the US.



Insurance Companies For J-1 Student Interns, Visiting Research Scholars (Postgrad)




PSI 703-879-8828 WeChat: psiservice

TaiAn International Health Insurance

Email:, Call from US - 9:00AM to 10:00PM Eastern time - Includes weekend: +1 (317)318-8258 (Chinese), +1 (317)318-8259 (English) Call from China: 950-4044-2336 (Chinese, Beijing time 7-11am, no long distance charges) WeChat ID: wxid_taian_usa

Compass Benefits

Tokio Marine HCC - Medical Insurance Services Group

The Harbour Group, LLC 800.252.8160


HTH Worldwide Insurance Service

Toll Free: 888.243.2358 Outside U.S.: 610.254.8769 Choose the GeoBlue Navigator Plan

Insubuy, Inc.

Phone: (866) INSUBUY 8 AM to 9 PM, Monday through Friday. 8 AM to 5 PM, Saturday-Sunday Chinese Direct: 950-4039-1685 WeChat ID: insubuy

International SOS Assistance

(this company allows you to purchase insurance for the 2nd year of your Post Doc appointment if you have a multiyear appointment)

Cultural Insurance Services International(CISI)


The Lewer Insurance Agency, Inc.


Rust International Associates


International Student Insurance

1 904.758.4391 (All 4 plans meet US Dept of State criteria)

CMI Insurance






Health Insurance Requirements

Health Insurance Requirements


Minimum Amount

Medical benefits

$100,000 per accident or illness

Repatriation of remains


Medical evacuation


Deductible per accident or illness

Not to exceed $500

Program participants and their dependents are required to have medical insurance coverage FOR THE DURATION OF THEIR PROGRAM with the following minimum benefits [22 CFR 62.14]

An insurance policy secured to fulfill the requirements of this section:

  1. May require a waiting period for pre-existing conditions that is reasonable as determined by current industry standards;
  2. May include provisions for co-insurance under the terms of which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness; and 
  3. Must not unreasonably exclude coverage for perils inherent to the activities of the exchange program in which the exchange visitor participates.

Any policy, plan, or contract secured to fill the above requirements must, at a minimum, be:

  1.  Underwritten by an insurance corporation having an A.M. Best rating of “A-” or above; a McGraw Hill Financial/Standard & Poor’s Claims-paying Ability rating of “A-” or above; a Weiss Research, Inc. rating of “B+” or above; a Fitch Ratings, Inc. rating of “A-” or above; a Moody’s Investor Services rating of “A3” or above; or such other rating as the Department of State may from time to time specify; or
  2. Backed by the full faith and credit of the government of the exchange visitor’s home country; or
  3. Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; or
  4. Offered through or underwritten by a federally qualified Health Maintenance Organization or eligible Competitive Medical Plan as determined by the Centers for Medicare and Medicaid Services of the U.S. Department of Health and Human Services.

Insurance coverage must begin no later than the “Program Begin Date” as noted on their DS-2019 Form and must not end before the effective “Program End Date.” Program sponsors are required to notify Exchange Visitors that they may be subject to the requirements of the Affordable Care Act (ACA).