Frequently Asked Questions

Frequently Asked Questions is a short list of our most frequently asked questions we are getting from our customers. If you cannot find what you are looking for in here, or have specific questions about benefits and plans, please contact our Customer Care representatives. We will be ready to assist you via email or phone instantly.

    • Medical benefits of at least $100,000 per accident or illness
    • Repatriation of remains in the amount of $25,000
    • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000
    • A deductible not to exceed $500 per accident or illness
    • An insurance policy secured to meet the benefits requirements must be underwritten by an insurance corporation with an A.M. Best rating of “A-” or above, an Insurance Solvency International, Ltd. (ISI) rating of “A-I” or above, a Standard and Poor’s Claims Paying Ability rating of “A-” or above, or a Weiss Research, Inc. rating of B+ or above
All the plans provided here are underwritten by an insurance corporation with an A.M. Best rating of “A-” or above. It can meet the U.S. State rating requirements for insurance companies.
Yes. Our plans belongs to the comprehensive health plans which covers both illness and accident benefits. In addition, our plans also cover comprehensive international evacuation benefits that international students and scholars needed during they are abroad.
Medical conditions or any related medical conditions for which one or more symptoms have surfaced over a number of years prior to effective date of the plan.
If the waiting period of Pre-existing Conditions is 12 months, pre-existing conditions can be covered from thirteenth months of the effective date, during the 12 months of the waiting period it can’t be covered.
Before you use some services, you must notify the insurance company to obtain authorization before you accept these services. Otherwise, insurance companies may reduce or cancel reimbursement for these services.
Generally, it includes hospitalization, surgery, intensive care, home care services, durable medical equipment, install artificial limb, CT examination, MRI examination. The provisions of pre-certification may have differences in different plans, please see the specific insurance terms.
You can choose an effective date freely, but not earlier than the date you purchase the plan. If your school or organization doesn’t request a specific coverage date, J1 visa holders may choose the date showing in the DS2019 form. F1 international students may choose the date according to the date of SHIP insurance Plan provided by your school. B2 visa holders may choose to take effect on the day you go abroad.
No. We only provide overseas health insurance plans. U.S. citizens are not eligible to purchase our plan if they want use the plan within U.S.
You can use a debit card or credit card which shows a logo such as Visa, MasterCard, American Express or Discover to pay your plan online.

You should check with the reasons for a declined payment below:

      • Check the electronic signature on the payment page, it should be the same as the name on the credit card.
      • Check the limit amount of the credit card.
      • Some banks need to be notified in advance when you make a credit card charge in foreign websites. You may need to call the number on the back of your card to tell them this is a genuine charge.
      • Check the billing address. You need to fill in the address that your credit card bill is sent.
        If your problem is still not be solved, please contact us.
After completing the payment, you will get a confirmation email immediately. Click the link in email, you can download your electronic ID card and Fulfillment you need.
If you are not received via Email after the payment, please check your Spam box, some emails may be mistakenly treated as a Spam.
You can update the insured name, address, gender, telephone, E-mail address, mailing address etc by sending email to the relevant policy department. Please see the customer service part in our website.
In non-emergency situations, you’d better search a nearest or preferred hospital in PPO network. You need to call the hospital to make an appointment. When you visits to the hospital you need to show your ID card and tell them your network (First Health network or Conventry National Network). If you want to get more information of your PPO Network, please see our website – customer service – find doctor or hospital.
Using our plan, you can purchase any prescription drug in any pharmacy in the U.S. But you can’t pay directly with pharmacies as the hospitals and pharmacies are separated in the U.S. You need to pay for prescription drugs by yourself first, then send your receipts, all medical expenses related to the receipt, and Claim Form to the claim department to request a reimbursement.
If the plan was expired, you can not renew or extend it. But you can purchase a new plan.
It need $5 when you renew your plan each time.
DIANins Student Plans can be insured by school semester/quarter, but each school maybe has different rules for a waiver.
Many schools require a waiver for each semester/quarter, if international students with F1 visa apply DIANins Student Plan for only one semester/quarter, and intend to use school plan from next semester/quarter, some schools will require students to fill a form to enroll school plan again. So students must pay attention to ensure that insurance will not be interrupted during the whole overseas study.
It can’t be changed, but you can buy a new one when current plan has expired.