ESICHQ

ESIC was established in the year 1952 with an aim towards providing better healthcare and medical facilities to Insured Persons and their family members. Under the ESI Scheme, it is providing a number of benefits & services, promising timely healthcare and financial support for Insured Workers. The benefits under the ESI Scheme are as follows: a. Medical Benefit: Full medical care is provided to an IP and his family members from the day he enters insurable employment. There is no ceiling on expenditure on the treatment of an IP or his family member. Medical care is also provided to retired & permanently disabled insured persons and their spouses on payment of a token annual premium of Rs.120/-. b. Sickness Benefit: Sickness Benefit in the form of cash compensation at the rate of 70% of wages is payable to insured workers during the periods of certified sickness for a maximum of 91 days in a year. In order to qualify for Sickness Benefit, the IP is required to contribute for 78 days in a contribution period of 6 months. c. Disablement Benefit – (i) Temporary Disablement Benefit: From day one of entering insurable employment & irrespective of having paid any contribution in case of employment injury. Temporary Disablement Benefit at the rate of 90% of wage is payable as long as disability continues. (ii) Permanent disablement benefit: The benefit is paid at the rate of 90% of wage in the form of monthly payment depending upon the extent of loss of earning capacity as certified by a Medical Board. d. Dependants’ Benefit: DB paid at the rate of 90% of wage in the form of monthly payment to the dependants’ of a deceased Insured person in cases where death occurs due to employment injury or occupational hazards. e. Maternity Benefit: Maternity Benefit for confinement/pregnancy is payable for 26 weeks, which is extendable by further 1 month on medical advice at the rate of full wage subject to contribution for 70 days in the preceding two Contribution Periods.