University of Chicago
International Student Health Insurance
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Waiver Start Date:
August 1, 2026 -
Waiver Deadline:
October 18, 2026
2026-09-01 ~ 2027-08-31
2026-09-01 ~ 2026-12-31
| School Plan | Blue 80 | Blue 90 | Blue 100 | |
|---|---|---|---|---|
| Plan Type | ACA Comliant | Comprehensive | Comprehensive | Comprehensive |
| Maximum | Unlimited | Unlimited | Unlimited | Unlimited |
| Co-insurance (Network) | 90% | 80% | 90% | 100% |
| Co-insurance (Out-of Network) | 70% | 70% | 70% | 80% |
| Deductible in Student Health Center | $0 | $0 | $0 | $0 |
| Deductible in Network | $400 | $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) | $2,000 | $7,000 | $6,000 | $5,000 |
| Medical Network | UHC | Aetna | Aetna | Aetna |
| Fall - Spring/Summer (17-24 years old) | $5,571 | $995 | $1,591 | $1,942 |
| Fall - Spring/Summer (25-29 years old) | $5,571 | $1,390 | $1,963 | $2,785 |
| Fall - Spring/Summer (30-45 years old) | $5,571 | $2,390 | $3,292 | $5,567 |
| Detail | Detail | Detail | Detail | |
| Individual | Buy | Buy | Buy | |
|
Group
(Partner Member Savings)
If you are a member of an international student organization or club, contact dian@dianins.com to apply for preferred group rates. |
Group | Group | Group |
📋 University of Chicago: What to Confirm Before Purchasing?
🔎 2026–2027 Blue Series Plans Open
DIANins offers Blue 80, Blue 90, and Blue 100 plans for University of Chicago students. The 2026–2027 academic year plans are now open, featuring lower premiums on selected tiers and expanded benefit coverage.
🎓 Waiver Submission Advice
The UChicago 2026–2027 waiver portal opens the first week of August, and U-SHIP coverage begins September 1. We recommend completing your DIANins enrollment before the July 31 Early Bird deadline, then submitting your waiver as soon as the university portal opens.
✅ 2026–2027 Annual Update Highlights
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Lower Premiums: Blue 80 reduced by ~6%, Blue 90 by ~2%, and Blue 100 by ~17%. Choose Blue 80 for maximum budget efficiency, Blue 90 for balanced cost and benefits, or Blue 100 for maximum reimbursement levels. |
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Expanded Coverage: Starting from the 2026–2027 policy year, Sexually Transmitted Disease (STD) treatment is fully covered with no exclusion. |
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Network & Pharmacy Upgrade: Medical PPO network powered by Aetna Open Choice for seamless in-network eligibility verification. Pharmacy benefits administered through Global Reach Rx across nationwide chains including CVS and Walgreens. |
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Early Bird Dental Benefit: Enroll before July 31 to receive Careington 500 dental discount benefits (3 months for ≤6-month policies; 6 months for ≥7-month policies; 12 months for Blue 100 ≥7 months). |
✅ What to Do After Purchasing?
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Download and save the confirmation attachments received by email: Insurance ID Card, Confirmation Letter, and Summary of Benefits (SBC) PDF. Once the UChicago waiver portal opens, enter your alternative policy details and submit your application. |
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Prepare your submission materials: UChicago Student ID (CNetID), UChicago email, Insurance Company Name (e.g. Spectrum Life Ltd.), Policy / Member ID, US claims contact info, and plan summary. |
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After submission, the portal will send an automated confirmation email. Retain this email for your records. If additional verification is requested, follow portal instructions or contact DIANins support. |
🔗 UChicago Waiver Portal Entry
Once the waiver period opens, submit your application via the official UChicago Student Wellness Enroll / Waive portal:
https://wellness.uchicago.edu/student-insurance/u-ship/enroll-or-waive/
💰 Group of 3 Referral Rewards
Enroll before July 31 with a 3-person group to participate in the Early Bird Group referral event. Groups with members from different nationalities can earn up to 2×–3× referral commissions.
👥 Flexible Grouping: Group members can attend different schools, choose different plans, and select different policy durations.
❓ Frequently Asked Questions
Q1: Where do UChicago incoming students get vaccinations and TB tests? ▼
You can visit the UChicago Student Wellness Center or in-network pharmacy clinics (e.g. CVS MinuteClinic, Walgreens). Present your DIANins insurance card for direct billing coverage at 100% for preventive vaccines.
Q2: When is the best time to purchase insurance? ▼
We recommend enrolling before July 31, 2026 to enjoy Early Bird Careington 500 dental benefits and qualify for 3-person referral bonuses.
Q3: Is Careington 500 provided by the insurance underwriter? ▼
No. Careington 500 is an exclusive complimentary Early Bird dental benefit provided directly by DIANins (retail value: $127/year), not by the medical insurance carrier.
Q4: Can I get a full refund if my waiver is denied? ▼
Yes. Provided no claims have been filed, submitting official university proof of waiver denial entitles you to a 100% full refund from DIANins.
INSURANCE TERMS
Key Insurance Terms Explained
Understanding these key terms helps you accurately compare plan benefits and estimate your medical expenses.
DeductibleThe out-of-pocket amount you must pay before insurance begins paying benefits. |
CopayA fixed flat amount you pay for a covered service (e.g. clinic visit, prescription drug). |
CoinsuranceThe percentage of costs you share with the insurer after meeting your deductible. |
Out-of-Pocket MaximumThe absolute maximum amount you will pay for covered in-network care in a policy year. |
In-NetworkHealthcare providers contracted to deliver services at discounted, pre-negotiated rates. |
PremiumThe payment required to purchase and keep your health insurance active. |