Reasonable Premiums,
Our Commitment

International student health insurance is not subject to rate-adequacy review by U.S. insurance regulators. That means pricing rests entirely on the insurer’s own discipline and accountability — and for more than a decade, DIANins has worked every year to keep premiums reasonable. The 10-year premium history of our Blue 80 plan, shown below, is the result.

International student insurance has followed a different path from school plans. While most university school plans have climbed year after year, insurance built specifically for international students has not traced that same upward curve over the same period — because international students use healthcare in structurally different ways than domestic students.

First, international students sit outside the main drivers of rising claims. Over the past decade, the primary causes of growing U.S. health-insurance claims have been high-cost, high-tech medical equipment, a rising share of pharmacy spending, and — in student insurance especially — a rapid increase in mental health services¹. Yet research data shows international students file markedly lower mental-health claims than their domestic peers.

Second, inflation’s impact has been limited. Rising prices have been a major force behind U.S. health-premium increases, but they have had a comparatively smaller effect on international students’ actual medical costs. The key is where care is received. Domestic students make active use of hospitals and clinics, while international students still rely on campus student health centers more than domestic students do². Because these centers, run for students, tend to set and raise their fees conservatively, they are another reason international students’ claims stay low.

BLUE 8010-Year Premium Trend

During COVID-19: a freeze instead of a hike. In the years the pandemic spread worldwide, many competitors raised premiums sharply — but one long-established specialist administrator of international student insurance, and DIANins, held rates steady. Our data shows claims actually fell during this period as hospital visits declined.

2024–2026: deferred demand and a reversal. Claims began rising again only after COVID-19 wound down in 2023. In 2024, postponed care arrived all at once, driving claims sharply higher and leading to a premium increase in 2025. 2026, however, breaks from the past: even amid inflation, DIANins is moving to lower rates.