Reasonable rates
Reasonable Premiums, Our Commitment International student health insurance is not subject to rate-adequacy review by U.S. insurance regulators. That means prici...
Read moreWhy Choose Dian
Trusted by tens of thousands of international students since our founding.
Affordable
Compare every plan - the smartest choice is still ours
Comprehensive Coverage
Nationwide PPO network with access to over 1 million doctors and 5,000+ hospitals across the US.
Easy Enrollment
Enroll online in 3 minutes. Get your insurance card and waiver documents instantly via email.
Customer-Centric
24/7 customer support in English, Chinese, and Korean from our team of insurance experts.
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International students served
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Universities accepted
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How It Works
Get covered in three simple steps.
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1
Get a Quote
Tell us your visa status, school, and dates. We'll match you with plans that meet your school's waiver requirements.
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2
Enroll Online
Pay securely with credit card, bank transfer, or international payment. Receive instant confirmation.
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3
Get Covered
Download your insurance card and waiver documents immediately. Coverage starts on your selected date.
Accepted at 1,500+ universities
Plans that meet waiver requirements at top institutions across the United States.
Harvard
MIT
Stanford
Yale
Princeton
Columbia
UC Berkeley
UCLA
USC
UPenn
Cornell
Frequently Asked Questions
Answers to the most common questions from international students.
Will Dian Insurance be accepted by my school's waiver office?
Yes. Our plans are designed to meet the waiver requirements at over 1,500 US colleges and universities. We guarantee waiver approval - if your school rejects your waiver, we'll refund your premium in full.
How does Dian compare to my university's insurance plan?
Most students save 50-75% by switching from their school's plan to Dian. We offer comparable or better coverage at a fraction of the cost, with the same nationwide PPO network used by major US insurers.
What does the plan cover?
Coverage includes doctor visits, urgent care, hospitalization, surgery, prescription drugs, mental health services, maternity care, and emergency medical evacuation. Specific limits and deductibles vary by plan.
How do I file a claim?
Most claims are filed automatically when you visit an in-network provider - just show your Dian insurance card. For out-of-network claims, submit your bills and receipts through our online portal. Reimbursement typically takes 7-14 business days.
Can I add my spouse or children to my plan?
Yes. Dependent coverage is available for spouses and children of policyholders. You can add dependents during enrollment or at any time during your coverage period.
What if I have a pre-existing medical condition?
Most Dian plans cover pre-existing conditions after a brief waiting period. Some plans cover them from day one. Contact our team for plan-specific details based on your situation.
Can I cancel my plan if I leave the US early?
Yes. You can cancel anytime and receive a pro-rated refund for unused months, as long as no claims have been filed during the cancellation period.
Is customer support available in my language?
Yes. Our multilingual support team provides assistance in English, Mandarin Chinese, and Korean via phone, email, and live chat 24/7.
