How to choose best plan
According to the survey, when American nationals choose health insurance, the priority order is: insurance premiums, benefits and prescription drugs, hospital network, deductible, easy to see a doctor, and the popularity of the insurance company. It is not much different from the health insurance provided by the school. For international students, the factors to consider are: insurance premiums, welfare, deductible, and hospital network. DIAN advice customers that you should first consider whether the product can adequately cover their physical condition, range of activities (check the exemptions), and then choose an appropriate deductible, because choosing an appropriate deductible will bring the most benefits to customers and insurance companies than just choosing low-cost insurance products For example, in the Blue plan, more than 50% of students chose Blue 500. This fully shows that Blue500 can continue to maintain a good balance of benefits and insurance premiums.
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How to buy insurance
All of DIAN's plans are conducted online, and you can sign up for it in your home country and the United States. From consultation (Live Chat-E-mail-Phone), registration and insurance certificate are processed over the Internet. For the students and scholars (J visa), you can first search for a school and then register for the appropriate plan. Premium payment can only be made by credit card and electronic transfer. Electronic transfer (ACH) does not incur charges for future plan changes or cancellations, but is limited to US bank accounts only. If there are no search results, the school may does not allow waivers or our plan does not meet them waiver. For more information, please contact dian@dianins.com or +1) 888-298-6981. Once payment is made, you will receive your insurance certificate within 30 seconds. If the certificate does not arrive by email, please contact us.
Our insurance is a one-year repurchase plan; therefore it does not automatically renew.
How to apply for Waiver
After successfully applying for the insurance, our customer will receive the insurance confirmation and insurance card via email. The information required to waive the school insurance can be confirmed by the information attached to the email.
For most schools to waive insurance requirements, you can refer to relevant documents in My Account. If there is no corresponding document, please contact +1)888-298-6981 and we will help you to complete it.
After you successfully waive the school insurance, you do not need to pay the insurance premium from the student account. If you have already paid, the school will refund it to you.
If the school refuses your waiver request, we will fully refund the insurance premium to you.
Sickness or accident
After purchasing the insurance, please search for the nearby internal medicine or Urgent care center. If you know a doctor who can speak Chinese beforehand, it's convenient for you in future medical consultations. Compared with the PPO network, the medical institution that is the student health center. Almost all of Dian's insurance plans can exempt Copay and Deductible, and the Student Health Center will also reimburse HPV, Flue and other vaccines on the same basis as PPO. (NYU, Temple, U. Conn, Brown, U. Florida, and Penn States and other school health centers provide direct billing services through the EHIM pharmacy network.) Emergency Room (ER): The first aid standard in the United States is life-threatening. Therefore, severe pain, dysmenorrhea, and vertigo are often excluded in the first place even if they go to the emergency room, and it takes a long time to receive treatment, which leads to a very high deductible. In response to this situation, there is a medical institution that can be visited 24 hours a day. Urgent Care Center: Situation is not urgent, but if you feel severe pain or fracture, you can visit without making an appointment. Compared with multiple emergency rooms, you can receive treatment without waiting for a long time, and the compensation ratio is almost the same as that of other diseases/injuries. If you have any needs, please contact +1-855-773-7810, which is available 24 hours a day throughout the year to provide guidance in multiple languages.