Harvard University

International Student Health Insurance

  • Waiver Deadline: September 30, 2026

  • For 2026-2027 acadmic year, DIANins offer all Blue plans(80-90-100) in your campus
  • Blue 80 accupied almost 50% of the total enrollment last year. Blue 80 is a truely valued plan.
  • Blue 100 plan require a little bit high premium though, it is really high-end health insurance. However, the Out-of Pocket Maxium is comparatively higher than school insurance plan, therefore you need to compare it with school plan before enrollment.
  • Need both of benefits and competitive price? if then, Blue 90 is well balanced plan.

    • Fall Late waiver: through Aug 1st; Spring Late waiver: through Feb 1st

    2026-08-01 ~ 2027-07-31

    School Plan Blue 80 Blue 90 Blue 100
    Plan Type ACA Comliant Comprehensive Comprehensive Comprehensive
    Maximum Unlimited Unlimited Unlimited Unlimited
    Co-insurance (Network) 100% 80% 90% 100%
    Co-insurance (Out-of Network) 70% 70% 70% 80%
    Deductible in Student Health Center $0 $0 $0 $0
    Deductible in Network $0 $500 $100 $0
    Copay in SHC $0 $0 $0 $0
    Prescription Drug Direc-billing Direct-billing Direct-billing Direct-billing
    Preventive care (Network/SHC) 100% 100% 100% 100%
    Out of Pocket Max (Network) $3,000 $7,000 $6,000 $5,000
    Medical Network Blue Care Aetna Aetna Aetna
    Fall - Spring/Summer (17-24 years old) $4,954 $995 $1,591 $1,942
    Fall - Spring/Summer (25-29 years old) $4,954 $1,390 $1,963 $2,785
    Fall - Spring/Summer (30-45 years old) $4,954 $2,390 $3,292 $5,567
    Detail Detail Detail Detail
    Individual Buy Buy Buy
    Group  (10% saving for 3 or more students)
    ACA Compliant Plan: 10%     		Group Group Group

     

    Before You Buy

    Before purchasing, check these three things first

    Before placing your order, please confirm your waiver timing, Harvard insurance requirements, and budget. Once these details are clear, it will be easier to compare Blue 80, Blue 90, and Blue 100.

    01

    Check your waiver timing

    For the 2026-2027 academic year, the Harvard waiver deadline shown on the DIANins page is September 30, 2026. The page includes coverage options such as Fall - Spring/Summer and Fall, so choose the period that matches your enrollment and waiver needs.

    View Waiver Tutorial Harvard Waiver Requirements

    02

    Buy with waiver confidence

    The DIANins plan options shown on this page are matched to Harvard waiver requirements. If your waiver application is rejected by the school, you can request a full refund.

    • Matched to Harvard waiver requirements
    • Full refund if the school rejects your waiver
    • Support available if you need help with your waiver
    03

    Choose based on your budget and coverage needs

    If you want to lower your premium, start with Blue 80. If you prefer a more balanced option, compare Blue 90. If you care more about reimbursement level, take a closer look at Blue 100.

    Plan Guide

    Which plan may be right for you?

    You can use your budget and expected healthcare needs as a starting point, then review the detailed pricing and benefits table below.

    Budget-friendly

    Blue 80

    A good option if you are generally healthy and want a lower premium while meeting waiver requirements.

    Balanced choice

    Blue 90

    A strong middle option if you want a balance between monthly cost and coverage level.

    Higher coverage

    Blue 100

    A better fit if you prefer a higher in-network reimbursement level and are comfortable with a higher premium.

    Early Bird Bonus

    Buy early and receive a dental discount plan

    Based on the Emory page activity rules, students who enroll before July 31 can receive a Careington 500 dental discount benefit. Careington 500 is a DIANins Early Bird special benefit, not a benefit underwritten by the insurance carrier; its retail value is $127 / year.

    6 months or shorter

    3 months of Careington

    If your coverage period is 6 months or shorter, eligible Early Bird enrollment can receive 3 months of Careington 500 dental discount benefits.

    More than 7 months

    6 months of Careington

    If your coverage period is more than 7 months, eligible Early Bird enrollment can receive 6 months of Careington 500 dental discount benefits.

    More than 7 months of Blue 100

    12 months of Careington

    If you purchase more than 7 months of Blue 100, eligible Early Bird enrollment can receive 12 months of Careington 500 dental discount benefits.

    Refer a Friend

    Group of 3 referral bonus

    Based on the Emory page activity rules, before July 31, a group of 3 can participate in the Early Bird Group of 3 activity. If members are from different countries, the Referral Commission can increase to 2×–3×.

    More flexible groups

    Starting in 2026–2027, a group of 3 can include students from different countries, schools, plans, and coverage durations. If school, plan, or duration differs, upload a CSV file as required.

    Exactly 3 students required

    The Early Bird Group of 3 activity requires exactly 3 students. Groups of 4 or 5 do not qualify for this activity.

    Referral Code notes

    The primary enrollee cannot use their own Referral Code and should use a friend's code from the group. 2× / 3× rewards are processed manually.

    Missing bonus?

    If a 2× / 3× referral bonus is missing, contact walter@dianins.com for manual processing.

    FAQ

    Common questions before you buy

    Here are a few things buyers often want to confirm before purchasing a waiver-compliant plan.

    Are these plans accepted by Harvard?

    The plans listed for Harvard are selected to match the school waiver requirements. You still need to submit the waiver by the school deadline and follow Harvard instructions carefully.

    What happens if my waiver is rejected?

    If Harvard rejects your waiver application, you can request a full refund according to DIANins refund support for waiver rejection cases.

    When should I purchase the plan?

    Purchase early enough to receive your insurance documents and submit the waiver before the school deadline. Avoid waiting until the last day.

    Can I ask for help with the waiver?

    Yes. If you are not sure how to complete the waiver, use the tutorial above once available or contact support before submitting your application.

    Insurance Terms

    Helpful terms to know

    Understanding these terms can make it easier to compare plan benefits and estimate your medical costs.

    Deductible

    The amount you pay out of pocket for covered medical services before your insurance starts paying more of the cost.

    Copay

    A fixed amount you pay for a covered service, such as a doctor visit or prescription, when the plan uses copays.

    Coinsurance

    The percentage of covered medical costs you pay after the deductible is met. For example, 20% coinsurance means you pay 20% of eligible costs.

    Out-of-pocket maximum

    The most you may pay for covered in-network care during the policy period. After reaching it, the plan usually pays 100% of covered costs.

    In-network

    Doctors, hospitals, pharmacies, or clinics that have an agreement with the plan network. In-network care usually costs less.

    Premium

    The price you pay to purchase and keep the insurance plan active for the selected coverage period.