EXCLUSIONS
WHAT POLICY DOES NOT COVER:  
 
 5.WAITING PERIOD
The company shall not be liable to make any payment under the policy in connection with or in respect of the following expenses till the expiry of waiting period mentioned below:
5.1 Pre-Existing Diseases (Code-Excl01).

1. Procedure for Cashless Claims:

Base Cover:
The covers listed below are in-built Policy benefits and shall be available to all Insured Persons in accordance with the procedures set out in this Policy.
4.1 Hospitalization
The company shall indemnify medical expenses incurred for Hospitalisation of the Insured Person during the Policy period, up to the Sum Insured specified in the policy schedule, for:

ELIGIBILITY:

• Age means age of the Insured person on last birthday as on date of commencement of the Policy.
• Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured person in accordance with the Policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization is approved.

The United Shramik Seva Policy is a Group Health Product for Employer- Employee Groups to take care of the most basic and essential health needs of the employees/ workers in all industrial and commercial establishments, workplaces, offices, etc. and keep them secure.