University of Southern California

International Student Health Insurance

  • In case of waiver denial, 100% refund is guaranteed
  • Elite plans are available in three deductible options: $450, $250, and $0
  • The Elite plan is serviced by UHC, a large-scale national healthcare network. Prescription medications are provided through EHIM, and telehealth services are provided through Teladoc.
  • If you are confident in your health, please choose the Elite 450; conversely, if you tend to catch colds frequently, please choose Elite Plus.
  • Regardless of which plan you choose, you can reduce costs compared to school group insurance.

    • You can register a referrer here. Please register a referrer within 10 days of enrollment.

  • Self-referrals are not allowed and will be invalidated.

    • Showing full year premium difference
    School Plan USC World Elite 450 USC World Elite 250 USC World Elite Plus
    Plan Type ACA Comliant MEC MEC MEC
    Maximum Unlimited Unlimited Unlimited Unlimited
    Co-insurance (Network) 80% 80% 80% 100%
    Co-insurance (Out-of Network) 50% 50% 50% 0%
    Deductible in Student Health Center $0 $0 $0 $0
    Deductible in Network $450 $450 $250 $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) $6,000 $5,000 $5,500 $5,000
    Medical Network AETNA AETNA AETNA AETNA
    Yearly rates (17~24) $3,787 $1,500 $1,788 $2,208
    Yearly rates (25~27) $3,787 $2,004 $2,281 $2,581
    Yearly rates (28~29) $3,787 $3,022 $3,551 $4,621
    Yearly rates (30~45) $3,787 $6,997 $8,267 $9,862
    Detail Detail Detail Detail
    Individual Buy Buy Buy
    Group  (10% saving for 3 or more students)
    ACA Compliant Plan: 10%

     

    📋 Before You Purchase

    📅 Coverage Period: August 15, 2026 – August 14, 2027

    ⏰ Waiver Deadline: September 11, 2026

    🐦 Early Bird Waiver (May – June)

    USC opens an early waiver window specifically for returning students who successfully waived the insurance last year. Applying early helps you avoid the peak review season and ensures the USC insurance fee is removed from your tuition bill in advance.

    🎓 New Students

    You can only access the waiver portal after registering for classes. We recommend purchasing your DIANins Plan during the Early Bird period to secure your free Dental Plan first, then submitting the waiver once your course registration is complete.

    ✅ After Your Purchase

    1

    Instant Delivery

    You will receive a Confirmation Email within 1–2 minutes of purchase. Attachments include your ID Card, Confirmation Letter, and Policy. Please download and save these files — you will need them for the USC waiver application.

    2

    Waiver Outcomes

    Tuition Unpaid

    Once the waiver is approved, USC will directly deduct the insurance fee from your upcoming tuition bill.

    Tuition Paid

    The system will update your bill within 3–5 business days and the insurance fee will be refunded to your USC student account.

    3

    🎓 Proven Success

    Thousands of your fellow Trojans have successfully waived USC insurance using DIANins.

    ❓ Frequently Asked Questions

    Q1: Can I get a refund if my waiver is denied?

    Yes. If your waiver is not approved by the school, DIANins provides a full refund upon submission of official documentation from your school (such as a waiver denial email).

    Q2: When is the best time to purchase?

    During the Early Bird Limited-Time Event. You can get a free Dental Plan, but ensure you purchase no later than the school's official waiver deadline of September 11, 2026.

    Q3: Where do USC new students get vaccinations and TB Tests?

    USC organizes on-campus vaccinations and TB blood tests every year. You can complete these health requirements at the USC Student Health Center regardless of your waiver status.

    Payment

    If you have waived the school insurance, you don't need to pay on the spot. The bill will be sent to your MySHR account.

    100% Refund

    Simply pay the bill through your student account and submit a claim. DIANins provides 100% reimbursement for required entrance health exams.

    📎 Claim guide: https://www.dianins.com/en/claims