Key Features of DIANins Purple
||$100,000 per Illness or injury
||$500 per illness or injury
||After 12 months :$500 Per Policy Year
|A.M. Best Rating
|Summary of Purple plan
||No lifetime maximum
$100,000 Per Injury or Sickness
||$500 Per Injury or Sickness
($5 copay but no deductible in SHC)
||80% of UCR*
|Emergency Room Deductible
(waived if admitted)
|$250 Per Occurrence
| Pre-existing Conditions
|| Covered after 12 month
$500 maximum per policy period and
$50,000 lifetime maximum
| Prescription Drugs
|| 80% of UCR
| Physician Visit
|| 80% – 1 visit per day
| Physician Therapy
|| 80% – 1 visit per day
| Intensive Care
(if medically necessary)
| 80% of UCR
| Room and Board
|| 80% of UCR – Up to average semi-private room rate
| Eligible Medical Expense
||80% of UCR
| Emergency Medical Evacuation
|| $50,000 lifetime maximum
| Return of Mortal Remains
|| $25,000 lifetime maximum
| Emergency Reunion
|| $15,000 lifetime maximum
| Political Evacuation and Repatriation
|| $10,000 lifetime maximum
|| $500 P er Injury and $350 Sudden Pain to natural teeth
| Accident Death and Dismemberment
|| $25,000 Principal Sum($12,500 one limb)
| Lost Personal Property
|| $250 maximum
| Legal Assistance
Injury to third party
| $2,000 maximum, after deductible applied
*UCR: Usual, Customary and Reasonable
*SHC: Student Health Center
Designed for students studying abroad or participants of cultural exchange programs. Most plan options are designed to meet the U.S. J-1 and J-2 visa travel insurance requirements.
- Coverage for students, scholars, and/or their spouses and unmarried dependent children traveling with them.
- Plan maximums limits $100,000 per injury or illness, No Lifetime Maximum
- Student Health Center only $5 co-pay per visit
- 80% coinsurance in PPO or Non PPO network
- Emergency medical evacuation $50,000 Lifetime Maximum
- Return of mortal remains $25,000 Maximum
- Renewable up to 48 months if minimum of one month is purchased
- Freedom to seek treatment with hospital or doctor of your choice
- J-2 visa holders can purchase as long as J-1 visa holder is included in the same policy or insured through the J-1 program.
The plan is designed for:
- Cultural exchange participants
- Visiting Scholars and educators
|Non-US Citizen: Worldwide Including USA
|1 ~ 24
You don’t need to provide a SSN number, but it requires your passport number.
Click Online Buying，fill the information of the insured ，use the credit card to complete the payment, you will receive the ID card and confirmation of coverage via email.
You can use a debit card or credit card which shows a logo such as Visa, MasterCard, American Express or Discover to pay your cost of insurance plan online. Visa and Master cards are preferred
You may set the Insurance effective date by yourself. Effective date and Expiration date are calculated according to EST(eastern standard time).
For first enrollment，you can purchase a 3 month minimum to maximum of 364 days at one time.
DIANins Purple plan covers outpatient, hospital, surgery, laboratory test, prescription drugs and other medical expenses, please see the benefits table in detail.
Yes. In Eligible Expenses，Purple Plan covers 80% of outpatient actual charge. Each prescription can be provided less than 60 days.
You can go to any pharmacy in U.S. But Company can’t pay the fee directly with the pharmacy. When you need to buy prescription drugs, you need to pay first yourself, and then apply to claims department for reimbursement.
Send the completed claim form, attached the purchased drug labels or equivalents information，and receipt/bill to the claims department to apply for reimbursement.
Purple Plan start to cover pre-existing conditions after 12 consecutive months.
Maternity is not covered.
Purple covers $500 Per Injury and $350 Sudden Pain to natural teeth.
Pre-certification：When the insured need the medical services as below, he must get the permission from his insurance company, and then he can receive these services. This obligation of insured is called Pre-certification.
Emergency Pre-certification: In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as is reasonably possible.
The following expenses must always be Pre-certified:
-any Surgery or Surgical Procedure
-Computerized Tomography，CAT Scan
-Magnetic Resonance Imaging，MRI
-Care in an Extended Care Facility
-Durable Medical Equipment
If the Member does not comply with the Pre-certification requirements, Eligible Medical Expenses will be reduced by 50%.