All InterExchange Career Training USA participants have basic accident and sickness insurance that meets U.S. State Department requirements for the length of their stay in the U.S. Details regarding this insurance can be found at www.InterExchange.org/ct-insurance. Please ask the participant to contact us if he or she has any questions or concerns regarding the insurance coverage, and remind the participant to make copies of any bills and claim forms submitted to the insurance company.
You may offer the participant comprehensive health insurance, but the participant may not waive the accident and sickness coverage included in their program fee since it covers what is required under U.S. federal regulations for the program (namely emergency medical evacuation to the participant’s home country and repatriation of remains).
As with any employee, if the participant is injured while interning or training at your establishment, your workers’ compensation plan should provide insurance coverage. InterExchange will cease to sponsor participants for any employer found to use InterExchange participant insurance in lieu of workers’ compensation insurance for work-related injuries. Participants’ insurance premiums—which they must pay themselves—are greatly affected by the size and number of claims, and InterExchange makes an effort to keep these premiums affordable.
J-1 participants visiting the U.S. in a non-student category (interns and trainees, for example) are exempt from the mandate to buy ACA-style coverage for their first two years in the U.S., as non-resident aliens, for tax purposes.