Exchange Visitors Group Medical Insurance

Exchange Visitors Group Medical Insurance

Group medical insurance for J1 visa holders

Exchange visitors group medical insurance can be purchased by a group of 5 or more J1 visa holders.

Every year, a few hundred thousand exchange visitors arrive in the US on J1 visa, some have their dependents (spouse and minor children) accompanying them on J2 visa.

The US Department of State mandates that all J visa holders purchase a compliant J visa insurance plan that provides at least $100,000/incident medical coverage, $50,000 in emergency medical evacuation and $25,000 in repatriation of remains.

There are many J visa insurance plans that would meet the requirements.

However, if the sponsoring organization has a group of 5 or more J1 visa holders, they can apply for exchange visitors group medical insurance. It generally provides the same coverage as individual plans; however, it is usually 10% cheaper.

In order to qualify for the J1 visa group insurance, it is important to remember that all 5 members must be from the same sponsoring organization. We do not suggest trying to making your own group, like Grouping J1 and J2 visa holders to make 5 members or grouping J1 visa holders from random sponsoring organizations (that have no organizational relation) simply to purchase group medical insurance. You should be aware that such schemes to get a discount is prohibited. Even if a policy is purchased successfully, such a ploy could make your entire coverage void at the time of claim, when you really need it. We strongly advise you not to try any such tactics and don’t fall victim to any insurance agents who claim to give you a discount in such illegal manner.

ExchangeGuard® Group

Underwriter: Lloyd's


After deductible, pays 100% to policy maximum, or
After deductible, pays 80% to policy maximum.
Outside PPO Network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.

Direct Billing

  • $15 copay, unless $0 deductible
  • $15 copay, unless $0 deductible
  • Included

Patriot Group Exchange Program

Underwriter: SiriusPoint Specialty Insurance Corporation


Within PPO network: After deductible, plan pays 90% up to $10,000, then 100% up to the policy maximum.
Outside PPO network: After deductible, plan pays 80% up to the policy maximum.
Outside US: After deductible, covers at 100% up to the policy maximum.

Direct Billing

  • To policy maximum
  • Included

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More