Hi all..

Find below the benefits provided to the covered under ESI scheme...

Medical Benefits-

Complete medical care for the employee and family members are available from day one of entering into insurable employment.

Old Age Medical Care-

If a worker remains covered under the scheme for five years immediately before his retirement, he and his spouse is entitled to medical care from ESI Institutions on payment of rupees 120/ year. This facility is also available to those workers who leave the organisation because of permanent disability.

Sickness Benefits (Cash)-

If a worker falls sick and needs absence from work, he is provided sickness benefit in cash equivalent to 60% of his wage for the period of absence, as certified by an authorised medical officer. This benefit is provided, subject to his paid contribution for at least 78 days in a contribution period of 6 months.

Provision for women workers in pregnancy-

Maternity benefit in cash equivalent to full wage of 12 weeks in case of confinement and 6 weeks in case of miscarriage is provided. This is extendable by further one month in case of sickness arising out of pregnancy. To avail this benefit the insured woman should have paid contribution for atleast 70 days in preceding two contribution periods of one year.

Disablement Benefit (Cash)-

In case of an accident while on duty, the insured worker suffering from any temporary disablement are provided temporary disablement benefit@ about 75% of wage till the injury heals. If it turns to be a permanent disability then it is paid in cash depending upon the extent of loss of their earning capacity. This benefit is available from day one of the employment

Dependants Benefit-

If a worker dies due to any accident/occupational disease sustained in the course of his employment, his/her dependents are provided dependents benefit @ about 75% of wages of the deceased worker.

Hope these information will help to enhance the knowledge of ESI scheme.

Regards,
Rachana