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.

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United Shramik Seva Policy

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

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    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. 

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    United Shramik Seva Policy Reviews & Ratings

    / 5 (Based on 3 Reviews)
    (Showing Newest 3 reviews)
    Asha
    Hariyana, September 16, 2021
    Tax savings
    The term plan is beneficial to save the tax amount too. I have saved a lot of tax and got a rebate too under my plan. I am happy and it is a part of investment. I took the plan for the financial safety of me and my family. Thanks team for good plans.
    Arjun
    Punjab, September 16, 2021
    Time and money saving plans
    I have saved a lot of money when I bought the term insurane plan online. I visited the policybazaar and check the premium calculator page. From there I searched for various good plans. I saved a lot of money and time too. I would recommend the policy to my friends and also tell them to buy a plan from policybazaar.
    Ida
    Amritsar, September 16, 2021
    Customer experience team
    Great to know that the customer care team of Policybazaar is superb and friendly. I opted a term plan from policybazaar and found it the best one. I was facing the issue related to name spelling and connected to policybazaar. The team immediately worked into my case and it was resolved. Thank you so much team Policybazaar.
     
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