ESIC provides the facility of treatment of common to serious diseases is available in some specific hospitals. Earlier, only those involved in ESIC coverage in ESIC hospitals used to get treatment, but now the government has opened it to the general public as well.
These employers come under the purview - All those companies and establishments come under the purview of ESI, where there are 10 or more employees. The benefit of this is available to those employees, whose monthly income is 21 thousand rupees or less, in the case of PwD, the income limit is 25000 rupees.
Contribution to ESIC
Both employees and employers contribute to the ESIC. At present, 0.75 percent contribution from employee's salary and 3.25 percent from the employer. Registration for ESIC is done by the employer. For this, the employee has to give information about the family members and the nominee also has to decide the employee.
Benefits of the scheme
Medical benefits: The insured and dependent family members get medical benefits. It is the responsibility of the state government to provide medical benefits. Primary services are provided through employee state insurance hospitals/dispensaries and panel clinics, while highly specialized services are provided through reputed medical institutions in the country on a referral basis. The ESIC insured is paid cash for 91 days of sick leave.
Maternity Benefit: Up to 26 weeks in delivery during ESIC maternity leave. In the case of abortion up to 6 weeks, in case of adoption, 100 percent of the average daily salary is paid in cash for 12 weeks.
Disability Benefit: ESIC pays a continuous monthly pension throughout the life of an insured person till the time the injury is cured in case of temporary disability, and the case of permanent disability.
Dependent Benefit: If an insured dies during employment, ESIC pays a monthly pension in fixed proportion to his or her dependents. This benefit is paid to the dependent person within a maximum period of three months of the death of the insured person and thereafter regular payment is made on monthly basis. The pension is divided into 3 parts. First, the wife of the insured will get a pension. Second, the insured's children get it, and third, the insured's parents get it.
Unemployment Allowance: If an insured person becomes permanently disabled due to involuntary loss or injury other than employment, then he gets a cash monthly allowance for a period of 24 months.
Old Age Medical Benefit: Medical benefits are given in ESI Hospitals and Dispensaries to the insured who has retired after completing the service.
Vocational Training: ESIC pays the insured person a fee of Rs 123 per day, or the actual fee charged in case of disability due to injury during employment.
Physical Rehabilitation: In the event of physical disability due to injury during employment, the insured is paid at the rate of temporary disability benefit as long as he remains admitted to the artificial limb center.
Maternity expenditure: In cases where the pregnant woman does not get medical benefits in ESI hospitals, she gets a cash payment of Rs 7500 for treatment in external hospitals. This benefit is given twice.
Funeral expenses: In the event of the death of the insured by ESIC, a basic payment or a maximum of Rs.15 thousand cash is paid for his funeral.