Employees State Insurance Scheme Act 1948

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Employees State Insurance Scheme Act 1948

Employees' State Insurance (abbreviated as ESI) is a self-financing social security and health insurance scheme for Indian workers. The fund is managed by the Employees' State Insurance Corporation (ESIC) according to rules and regulations stipulated in the ESI Act 1948.

Applicability of ESIC Act:

  • The ESIC scheme is applicable to all establishments and factories as defined in the Act with 10 or more persons employed in such establishment and the beneficiaries', Monthly Gross Salary(Except Washing Allowance) does not exceed Rs. 21,000/- are covered under the scheme
  • Non-power using manufacturing units and establishments employing 20 or more person. It has also been extended upon shops, hotels, restaurants, roads motor transport undertakings, equipment maintenance staff or labs in the hospitals.

ESIC Contribution Rates:

EE SHARE ER SHARE TOTAL
0.75% 3.25% 4.00%

SERVICES OFFERED

  • Obtaining New Registration and ESIC Code Number
  • Calculation of ESIC liability & Preparation of ESIC Monthly Statement and Returns.
  • Preparation of ESIC Online Challan and making the Payment on or before 15th of every month with Confirmation Receipts.
  • Generate ESICE-PehchanCards and Medical Cards
  • Online Submission of Accident Form
  • Maintenance of Accident Registers and Inspection Book
  • Processing of Claims forms for Funeral Expenses
  • Correspondence with ESI Authorities whenever required
  • Attend periodical Inspections by ESI Authorities & Comply accordingly

ESIC Benefits

  • Medical Benefits
  • Sickness Benefits
  • Maternity Benefits
  • Disablement Benefits
  • Dependants Benefits
  • Funeral Expenses
  • Confinement Expenses
  • Vocational Rehabilitation
  • Physical Rehabilitation
  • Old Age Medical Care
  • Rehabilitation Allowances

Under Scheme the employees registered are entitled to medical treatment for themselves and their dependants, also unemployment cash benefit in certain contingencies and maternity benefit in case of women employees. In case of employment-related to disablement or death, there is provision for the benefit and for family pension respectively. Outpatient medical facilities are available in many ESIC dispensaries and through most of registered medical practitioners. Also Inpatient care is available in ESIC hospitals. In addition, several State Government hospitals also have beds for the exclusive use of ESIC Beneficiaries. Cash benefits can be availed in most of ESIC centers throughout India.