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. 

United Shramik Seva Policy Health Insurance: Key Highlight


Group Policy with a cover on an individual basis


1 year



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. 


Written By: PolicyBazaar - Updated: 14 January 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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