Harvard University

International Student Health Insurance

  • For 2025-2026 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 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

    Showing full year premium difference
    School Plan Five Points 900 Blue 80 Blue 90 Blue 100
    Plan Type ACA Comliant ACA Comliant Premium, ACA comparable Premium, ACA comparable Premium +, ACA comparable
    Maximum Unlimited Unlimited Unlimited Unlimited Unlimited
    Co-insurance (Network) 100% 70% 80% 90% 100%
    Co-insurance (Out-of Network) 70% 50% 70% 70% 80%
    Deductible in Student Health Center $0 $0 $0 $0 $0
    Deductible in Network $0 $900 $500 $100 $0
    Copay in SHC $0 $0 $0 $0 $0
    Prescription Drug Direc-billing Direct-billing at OPTum Direct-billing Direct-billing Direct-billing
    Preventive care (Network/SHC) 100% 100%(inNetwork) 100% 100% 100%
    Out of Pocket Max (Network) $3,000 $8,500 $7,000 $6,000 $5,000
    Medical Network Blue Care First Health First Health First Health First Health
    Yearly rates (17~24) $4,308 $1,050 $1,055 $1,623 $2,337
    Yearly rates (25~29) $4,308 $1,550 $1,299 $1,973 $2,854
    Yearly rates (30~45) $4,308 $3,500 $2,132 $3,189 $5,158
    Detail Detail Detail Detail Detail
    Individual Buy Buy Buy Buy
    Group  (10% saving for 3 or more students)
    ACA Compliant Plan: 10%     		Group Group Group Group