Exchange insurance, including currency exchange insurance and remittance insurance, refers to the risk that the host country prohibits or restricts foreign investors from converting their original investments or profits into freely usable currencies and transferring them out of the host country, thus causing losses to investors. Of course, the coverage of this insurance is different in different countries. Some countries cover both "exchange risk" and "remittance risk", while others only cover "exchange risk". According to the provisions of the American Overseas Private Investment Company Amendment Act on exchange insurance, the local currency obtained by the insured as investment income or profit during the insurance period, or the local currency obtained by selling the property of the investment enterprise, should be converted into US dollars by the overseas private investment company if the host country prohibits the conversion of these currencies into US dollars. However, the premise is that there is no such prohibition in the laws of the country where the insurance contract is concluded. Obviously, American law only covers foreign exchange insurance. Japan bears both risks.

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