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
(10% saving for 3 or more students) ACA Compliant Plan: 10% |
Group | Group | Group |
🎉 LIMITED TIME OFFER
Early Bird Promotion & Referral Rewards
Purchase early and receive a complimentary Dental Plan. Refer friends and earn rewards.
🐣 EARLY BIRD OFFER
Buy during Early Bird and get a free Dental Plan
- Receive a complimentary Dental Plan during the Early Bird period
- Must purchase before UPenn’s waiver deadline
- Limited-time offer, available while supplies last
🎁 REFERRAL REWARDS
Refer friends and earn $100–$200 rewards
- Earn a referral fee when your friend purchases a plan
- Multi-nationality group referrals may receive up to 3x rewards
- Ask your friends to enter your Referral Code at checkout
🔑 How to get your Referral Code?
- Existing users: log in at www.dianins.com/login
- New users: register at www.dianins.com/en/register
Your personal Referral Code will be available in your account after registration.
BEFORE YOU BUY
Three things to confirm before you buy
Before purchasing, please confirm your waiver deadline, UPenn insurance requirements, and preferred coverage level.
01
Confirm your waiver deadline first
If you plan to use a DIANins plan instead of the University of Pennsylvania school insurance, please submit your waiver before UPenn’s deadline: August 31, 2026.
UPenn automatically enrolls eligible students in the Penn Student Insurance Plan (PSIP). If your waiver is approved, the PSIP charge will be removed from your student account.
02
Designed for UPenn waiver applications
The DIANins plans listed on this page have been selected to match the waiver requirements of University of Pennsylvania.
- Matched to UPenn waiver requirements
- Full refund available if your waiver is denied
- Waiver guide and support are available
03
Choose based on your budget and coverage preference
If you want to lower your premium, Blue 80 may be a good option.
If you prefer balanced coverage, consider Blue 90.
If you value a higher reimbursement level, compare Blue 100.
FAQ
Frequently asked questions before purchase
Here are the questions many students check before placing an order.
Can these plans be used for the UPenn waiver?
The plans listed on this page have been selected to match University of Pennsylvania waiver requirements. You still need to submit your waiver before August 31, 2026.
What if my waiver is denied?
If University of Pennsylvania denies your waiver request, you may apply for a full refund according to the DIANins waiver rejection support policy.
What is UPenn’s school insurance plan?
UPenn’s school insurance is the Penn Student Insurance Plan (PSIP), administered by Aetna Student Health.
When should I purchase insurance?
We recommend purchasing as early as possible so you have enough time to receive documents and submit your waiver before the deadline.
Can I get help with the waiver process?
Yes. You may follow the waiver guide above or contact DIANins support if you are unsure how to complete the form.
Can I get a refund if my waiver is rejected?
Yes. If no claims have been filed and you provide proof of waiver rejection from the school, we will issue a full refund.
INSURANCE TERMS
Common insurance terms
Understanding these terms can help you compare benefits and estimate medical costs more accurately.
Deductible
The amount you pay before your insurance begins sharing covered medical costs.
Copay
A fixed amount you pay for certain medical services, such as doctor visits or prescriptions.
Coinsurance
The percentage of covered costs you pay after meeting your deductible.
Out-of-pocket maximum
The maximum amount you pay for covered in-network services during a policy period.
In-network
Doctors, hospitals, pharmacies, or clinics contracted with the insurance network.
Premium
The amount you pay to purchase and maintain active insurance coverage.