University of Chicago

International Student Health Insurance

  • Waiver Start Date: August 1, 2026
  • Waiver Deadline: October 18, 2026

  • For 2026-2027 acadmic year, DIANins offer all Blue plans(80-90-100) in your campus
  • 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.

    • 2026-09-01 ~ 2027-08-31

    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  (10% saving for 3 or more students)
    ACA Compliant Plan: 10%     		Group Group Group

    📋 What should University of Chicago students know before enrolling?

    📅 Recommended Coverage Period: 2026/09/01 – 2027/08/31
    ⏰ Early Bird Deadline: July 31, 2026
    🏫 School Waiver Portal: Expected to open in the first week of August for the 2026–2027 academic year. Please refer to the school page for the official Waiver Deadline.

    🔎 2026–2027 Blue Series Plans Are Now 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. This year, premiums for some plans have decreased, and new benefit upgrades have been added.

    🎓 Waiver Submission Recommendation

    The UChicago Waiver portal for the 2026–2027 academic year is expected to open in the first week of August, and U-SHIP coverage begins September 1st. We recommend that students complete DIANins enrollment before the July 31 Early Bird deadline, then submit the Waiver after the school Waiver portal opens.

    ✅ 2026–2027 Annual Update Highlights

    1
    		 Premium Reduction: Blue 80 decreased by approximately 6%, Blue 90 by approximately 2%, and Blue 100 by approximately 17%. If you want to control your budget, you may compare Blue 80 first; if you want a better balance between coverage and price, you may focus on Blue 90; if you care more about reimbursement percentage, you may consider Blue 100.
    2
    		 New Benefit: Starting from the 2026–2027 academic year, STD (Sexually Transmitted Disease) related treatment will no longer be excluded and will be included in the coverage scope.
    3
    		 PPO Network and Pharmacy Upgrade: The PPO network has been upgraded to Aetna Open Choice to help improve the eligibility verification experience when seeking medical care. For pharmacy benefits, students can use national pharmacy resources such as CVS and Walgreens through Global Reach Rx.
    4
    		 Dental Early Bird Benefit: Enrolling before July 31 allows you to receive the Careington 500 dental discount benefit. A coverage period of 6 months or shorter can receive 3 months of Careington; a coverage period longer than 7 months can receive 6 months of Careington; Blue 100 with a coverage period longer than 7 months can receive 12 months of Careington.

    ✅ What should you do after enrollment?

    1
    		 After enrollment, please download and save the files included in the insurance confirmation email, including the insurance card (ID Card), confirmation letter (Confirmation Letter), Policy documents, etc. Once the UChicago Waiver portal opens, fill in the alternative insurance information according to the school requirements and submit the Waiver.
    2
    		 When applying for the Waiver, you usually need to prepare: UChicago student ID, UChicago email, insurance company name, Policy / Group Number, insurance company U.S. address and phone number, Plan coverage details, policyholder information, etc.
    3
    		 After submitting the Waiver, the school system will send an automatic email notification indicating whether the Waiver has been approved. Please keep the school email for your records. If the Waiver is denied, you need to resubmit according to the school instructions or contact the school insurance office.

    🔗 UChicago Waiver Application Portal

    After the school Waiver portal opens, please access the official Enroll / Waive system through the UChicago Student Wellness page:
    https://wellness.uchicago.edu/student-insurance/u-ship/enroll-or-waive/

    💰 Group of 3 Referral Rewards

    Before July 31, a group of 3 can participate in the Early Bird Group of 3 campaign. If members are from different countries, the Referral Commission can be increased to 2×–3×.

    👥 Starting from 2026–2027, the group of 3 becomes more flexible: members can have different nationalities, attend different schools, choose different plans, and select different coverage durations. If members have different schools / plans / durations, a CSV file can be uploaded as required.

    📌 Referral Code Notes

    The group of 3 must include exactly 3 participants. Groups of 4 or 5 are not eligible for this campaign. The primary enrollee cannot use their own Referral Code and needs to use a code from a friend in the group. The 2× / 3× reward is processed manually. If it is missed, please contact: walter@dianins.com

    ❓ Frequently Asked Questions

    Q1: Where can new UChicago students get required entrance vaccines and TB Test? ▼

    Students can go to the UChicago student health center or Global Reach partner pharmacies, such as CVS, Walgreens, Rite Aid, and other common U.S. chain pharmacies. By presenting the insurance card, students can use direct billing service, and the insurance will cover 100%.

    Q2: When is the best time to enroll for the most benefits? ▼

    We recommend enrolling before July 31, 2026, so you can enjoy the Early Bird Careington 500 dental benefit and have the opportunity to participate in the Group of 3 Referral reward.

    Q3: Is Careington 500 provided by the insurance company? ▼

    No. Careington 500 is an Early Bird special benefit provided by DIANins, not a benefit provided by the insurance carrier. The retail price of Careington 500 is $127 / year.

    Q4: If the Waiver is denied, can I get a refund? ▼

    If no claim has been submitted and you can provide the school Waiver denial email or related proof, please send the cancellation request to dian@dianins.com, and we will process a full refund.

    INSURANCE TERMS

    Common Insurance Terms Explained

    Understanding these terms can help you compare benefits more accurately and estimate medical costs.

    Deductible

    The amount you need to pay out of pocket before the insurance starts reimbursing at a higher percentage.

    Copay

    A fixed amount you need to pay each time you use a certain medical service, such as a fixed fee for seeing a doctor or picking up medication.

    Coinsurance

    After meeting the deductible, the percentage of costs you still need to pay. For example, 20% coinsurance means you pay 20% of eligible expenses.

    Out-of-pocket maximum

    The maximum amount you need to pay for eligible in-network medical services during the insurance period.

    In-network

    Doctors, hospitals, pharmacies, or clinics that have a partnership with the insurance network. Using in-network services usually costs less.

    Premium

    The amount you pay to purchase and keep your insurance coverage active.