University of Pennsylvania
International Student Health Insurance
-
Waiver Start Date:
July 1, 2026 -
Waiver Deadline:
August 31, 2026
2026-08-01 ~ 2027-07-31
2026-08-01 ~ 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) | 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 | $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) | $1,500 | $7,000 | $6,000 | $5,000 |
| Medical Network | AETNA | Aetna | Aetna | Aetna |
| Fall - Spring/Summer (17-24 years old) | $5,018 | $995 | $1,591 | $1,942 |
| Fall - Spring/Summer (25-29 years old) | $5,018 | $1,390 | $1,963 | $2,785 |
| Fall - Spring/Summer (30-45 years old) | $5,018 | $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 |
🎉 LIMITED TIME OFFER
Early Bird Promotion & Referral Rewards
Purchase early to save more, receive a complimentary Dental Plan, and earn referral rewards.
🐣 EARLY BIRD OFFER
Buy during Early Bird and get a free Dental Plan
- Receive a complimentary Dental Plan during the Early Bird promotion period
- Must purchase before UPenn's Fall 2026 Waiver Deadline (August 31, 2026)
- Limited-time offer, available while supplies last
🎁 REFERRAL REWARDS
Refer friends and earn $100–$200 rewards
- Earn a referral fee when your friend purchases an eligible insurance plan
- Multi-nationality group referrals may receive up to 3x referral fees
- Ask your friends to enter your Referral Code during checkout
🔑 How to get your Referral Code?
- Existing users: log in at www.dianins.com/en/login
- New users: register at www.dianins.com/en/register
Your personal Referral Code will be available in your account immediately after registration.
BEFORE YOU BUY
Three things to confirm before you buy
Before placing your order, please confirm your waiver timeline, university insurance requirements, and budget preference.
01
Confirm your waiver deadline first
If you plan to use a DIANins plan to waive University of Pennsylvania's university health insurance, please submit your waiver before the UPenn Deadline (August 31, 2026).
UPenn automatically enrolls eligible students into the Penn Student Insurance Plan (PSIP). If your waiver is approved, the university will remove the PSIP charge from your tuition statement; if you have already paid, the fee will be credited back to your student account.
02
Designed for UPenn waiver applications
The DIANins plans displayed on this page have been matched to meet the waiver requirements of University of Pennsylvania. If your waiver application is formally denied by the university, you are eligible for a 100% full refund.
- Matched to UPenn institutional waiver requirements
- Full refund available if your waiver is denied by UPenn
- Waiver tutorial and specialist customer support available
03
Choose based on your budget and coverage preference
If you want to lower your premium, consider Blue 80;
If you prefer balanced and well-rounded coverage, consider Blue 90;
If you prioritize higher reimbursement rates, compare Blue 100.
FAQ
Frequently Asked Questions Before Purchasing
Here are answers to common questions students ask before purchasing insurance.
Can these plans be used for UPenn Waiver?
Yes. The plans listed on this page are matched to satisfy University of Pennsylvania's waiver requirements. Please complete and submit your waiver before August 31, 2026.
What happens if my waiver is denied?
If University of Pennsylvania formally denies your waiver application, you can submit the official denial proof to DIANins for a 100% full refund.
What is UPenn's university health insurance plan?
UPenn's official student health plan is the Penn Student Insurance Plan (PSIP), administered by Aetna Student Health.
When is the best time to purchase?
We recommend purchasing as soon as you receive your PennKey credentials and confirm your term enrollment, ensuring ample time to receive your policy documents and submit your waiver before August 31, 2026.
Can I get help if I do not know how to fill out the waiver?
Yes. You can follow our step-by-step UPenn screenshot tutorial or contact DIANins customer support for guidance.
Can I get a refund if my waiver is denied?
As long as no claims have been filed, submitting official proof of waiver denial from the university qualifies you for a 100% full refund.
INSURANCE TERMS
Key Insurance Terms Explained
Understanding these key terms helps you accurately compare plan benefits and estimate your medical expenses.
Deductible
The out-of-pocket amount you must pay for eligible covered medical services before the insurance plan begins paying benefits.
Copay
A fixed flat fee you pay for a covered health care service (e.g. clinic visit, prescription drug) at the time of service.
Coinsurance
The percentage of eligible medical expenses you pay after meeting your annual deductible (e.g. 20%).
Out-of-Pocket Maximum
The most you have to pay for covered in-network medical services during a policy year. After reaching this limit, the plan pays 100%.
In-Network
Doctors, clinics, hospitals, and pharmacies contracted with the insurance network to provide care at discounted negotiated rates.
Premium
The total payment required to purchase and maintain active health insurance coverage for the designated policy period.