Brochure PDF English Brochure PDF 简体中文 Brochure PDF Korean
$82.9 per month
Buy
Highlights
  • Deductible and copay is waived in Student Health Center
  • Preventive care 100% cover like HPV, Flu and other vaccines
  • In network Pharmacy/SHC expense is directly billed(except appliable copay)
  • Medical bill is charged to company directly in Network except your costs
  • GlobalReach Rx network available in Pharmacy
  • Expenses in excess of $7,000, fully paid by company
  • No waiting period on pre-existing condition
  • Use the Aetna PPO network covering the entire United States
  • Great valued plan against competitive price

Eligibility Guidelines 1. Who is Eligible: Class 1 (Primary Insured Student): International students aged 17–45 holding F1, J1, or M1 visas. Officially registered at an accredited higher education institution and enrolled in a full-time* associate's, bachelor's, master's, or doctoral degree program (Approaching graduation and in their final semester on a part-time program also qualify for Class 1 status*). Class 2 (Spouse): The legal spouse of a Class 1 primary insured student. Class 3 (Children): Eligible dependent children of a Class 1 primary insured student. 2. Who is Not Eligible: Students enrolled in distance learning or home study, graduates in OPT (Optional Practical Training) programs, or U.S. citizens or permanent residents (green card holders). 3. Essential Conditions for Maintaining Insurance Validity (Attendance & Withdrawal) * Attendance Requirements: Insured students must attend at least the first 90 days of classes during the coverage period and/or strictly meet their visa attendance requirements. * Withdrawal within the First 31 Days: If a student withdraws from school within the first 31 days of registration (except in cases of policy replacement waiver refusal or withdrawal due to illness/injury), the insurance will lapse and coverage will be terminated; the insurance company will fully refund the premium, but any claims already paid will be deducted. * Withdrawal/Graduation after 31 Days: If a student graduates or withdraws normally after 31 days of registration, the insurance remains valid for the purchased period, and the premium will not be refunded. For the complete eligibility information, please refer to the original Policy terms and conditions or contact customer service for confirmation.

Lifetime maximum Unlimited
Annual maximum Unlimited
Co-insurance in network 80%
Co-insurance out-of-network 70%
Deductible in student health center $0
Deductible in network $500
Deductible in non-network $750
Out of pocket in network $7,000
Co-pay in ER (waived if admitted) $150
Co-pay in SHC $0
Co-pay specialist visit $25
Co-pay hospitalization $0
Pre-existing condition waiting period No Waiting
Preventative care 100%
Medical evacuation 100%
Repatriation 100%
DIANins Int'l Student Insurance Guide
WHAT MAKES INSURANCE REASONABLE?
Best price &
coverage match
DIANai
Hi! I'm DIANai 🙌
Good insurance isn’t the priciest —
it’s the one where
price and benefits stay balanced.
⚖️ Blue 80 hits the "efficient zone"
You take on a little of the small risk, and in return you save for sure on premium.
🤝 Shared cost (Coinsurance)Split care costs 80 / 20 with the insurer 20%
🛡️ You hold the first layer (Deductible)You cover the first slice; insurance takes the rest $500
💰 In return, a lower premiumStay healthy and the saved premium is yours −$300
The plan in the "best cost-efficiency zone" — the lightest load for both you and the insurer.
🧮 What if you claim $200?
Follow a small-bill case and you'll see why it's win-win.
🧾 A $200 bill comes up → it's within the deductible ($500), so you just pay $200 and you're done.
🏢 The insurer never has to process a small claim, so there's no claims-handling cost.
😊 You spend $200 of your $300 saved premium and still keep $100.
🤝 Insurer 👍 + You 👍 = win-win
💉 Preventive benefits — vaccines, immunizations, check-ups — are covered right away with no deductible. They’re separate from your first $500, so no worries!
🔍 How to compare look-alike plans
Go in order and the truly reasonable plan shows up.
1
Group by the same price
First pick a few plans with similar premiums and compare them on the same line.
2
Whose deductible is lower
At the same premium, the one with the lower upfront deductible wins.
3
Is the copay fair?
School group plans usually run $20–30 for an office visit. Use that as your benchmark — and check the Urgent care copay too.
Benchmark: office visit $20–30
4
Prescriptions — copay or coinsurance?
School group plans typically charge Tier 1/2/3/4 = $10/$40/$60/$100 copay, and ~30% coinsurance out-of-network. Tier 1 is ~90% of claims by count, but Tier 2/3/4 make up 90% of drug cost — so check the Tier 2·3 share.
Key: Tier 2·3 cost
5
Check the exclusions
Finally, make sure a very common benefit isn't quietly listed as an exclusion.
⚠️ A "partner plan" that costs more?
Be careful with plans charging $200 more for similar benefits.
If a premium is higher, your out-of-pocket should be lower to be comparable. If the benefits match Blue 80 but the premium is hundreds more, it isn’t the same comparison.

Drop that plan’s premium by $200 and its deductible likely climbs to about $900 — so it’s hard to call it an equal plan.
A smart choice — Blue 80
Compare price and coverage for yourself.
Ask DIANai anything!
DIANins