United Shramik Seva Policy

(31 Reviews)
Highlights

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      United Shramik Seva Policy

      The United Shramik Seva Policy is one such group policy that caters to the specific needs employer-employee relationships. The policy secures the employee's and worker's healthcare needs in a cross-section of industrial and commercial establishments. The United Shramik Seva Policy health insurance provides coverage for hospitalization related expenses with a vast range of options to ensure quality healthcare to the insured.

      Read More

      United Shramik Seva Policy Health Insurance: Key Highlight

      Type

      Group Policy with a cover on an individual basis

      Tenure

      1 year

      Renewability

      Lifetime

      Pre-existing Illness over

      After 48 months

      Initial Waiting Period

      30 days

      Coverage Offered

      The United Shramik Seva Insurance Policy comes with a vast coverage, which can be availed for:

      • In-patient Hospitalization: The insured gets quality treatment covering all medical expenses for a hospital stay for more than 24 hours. 
      • Pre and Post Hospitalization Expenses: The insurer covers expenses for 30 days and 60 days, respectively. 
      • Daycare Treatment: The policy covers the cost of procedures and surgeries which require hospitalization for only a few hours due to advanced treatment methods. 
      • Alternative Treatment: The policy pays the cost if the insured chooses Ayush Treatment. 
      • Modern Treatments: Many modern technology-based therapies, like, Deep Brain Stimulation, Balloon Sinuplasty, Oral Chemotherapy, etc.  are covered under the policy with specified limits. 

      Inclusions of the Plan

      Group members buy United Shramik Seva Policy to avail of treatment in the traditional and technology-based modern therapies. Some of the significant inclusions in the policy are:

      • Accommodation Limits: 
        • Room Rent: The cover is up to 1% of the sum insured per day.
        • ICU: The insurer pays 2%of the sum insured per day.
        • Cataract Surgery: Actual expenses incurred are covered up to 15% of the sum insured or Rs 30, 000 per eye, whichever is lower during the policy period. 
        • Ambulance Cover: The cover is for emergency evacuation of the insured by road with a cap of Rs 2, 000 per hospitalization. 
        • Other Expenses: 
        • Dental treatment is covered if caused by an accident. 
        • Plastic surgery cover is available if warranted due to disease or injury. 
      • Optional Cover: 
        • Out-patient Treatment cover
        • The daily hospital cash allowance
        • First Diagnosis of Epidemic / Pandemic
        • Maternity benefit cover

      Exclusions of the Plan

      What is not covered is key information to buy UIICL Health Insurance that impacts the claim settlement process. The insured must consult the policy bond for awareness of the conditions for which the insurer is not liable. 

      • Waiting Period:  The acceptance of claims depends on the different parameters applied for the waiting period from the policy inception date. 
        • The cover for pre-existing diseases starts after the expiry of 48 months of straight coverage. 
        • The cover for specific listed diseases starts after the expiry of 24/48 months, as mentioned in each condition.
        • No claim is accepted during the first 30 days from the policy inception for any illness other than accidental injury. 
      • Permanent Exclusions: The conditions and situations that invite withdrawal of cover are many and elaborate. 

      *The insured needs to consult the policy document for the detailed list. 

      Features & Benefits of the United Shramik Seva Policy

      The influencing factors to buy the United Shramik Seva Policy is described below:

      • Sum Insured: The policy offers 5 cover options for the members to choose from Rs.1 Lakh to Rs 5 Lakh in multiples of Rs 1 Lakh. The choice of the cover depends on the class of employees. However, within the same salary, grade and class, the sum insured should be uniform. 
      • Policy Term: The policy term on offer is 1 year with lifelong renewability. 
      • Tax Benefit: The United Shramik Seva Policy Health Insurance premium is tax-exempt if not paid in cash under Section 80D of the Income Tax Act, 1961, subject to the applicable limits. 

      Eligibility Criteria

      The minimum eligibility condition to buy this policy are:

      Minimum Entry Age

      18 years

      Maximum Entry Age

      65  years

      The Number of people covered:

      Minimum 7 members in the group

      Residential Status

      Indian citizens and residents who are working in Indian establishments. 

      Cancellation of Policy

      The policy can be terminated by the insurer as well as the insured. The insurer terminates the policy after serving a 15-day notice if the insured person is found to misrepresent information or indulge in fraud.

      Likewise, the insured can terminate the policy after tendering a 15-day notice, provided there is no pending claim. 

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*
      • 50,000 claims approved in last 15 months*
      • Schedule home visit with our advisors
      • Get a plan based on your medical needs
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What to Look for in a Health Insurance for Cancer Plan?

      20 Dec 2022

      Cancer is one of the biggest demons that the world faces today
      Read more
      What are the Factors Affecting Health Insurance Premium?

      20 Dec 2022

      Demand for insurance products in India, especially health
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL