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Home Articles

What is ESI Scheme and its Benefits

by Juwairiya Mahin
June 19, 2022
in Articles, General Knowledge
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Table of Contents

  • Contribution Rates
  • Contribution Period
  • How to Register for ESIC
  • ESIC Login Steps
  • ESI Coverage
  • Who are Eligible for ESI?
  • Redressal of Public Grievances
  • When is ESI registration required?
  • Importance of ESIC Account
  • Benefits of ESIC
  • Occupational Diseases Centres
  • Why Is It Important to Have an ESIC Account?
  • Budget Estimates for 2018-2019

The Employee State Insurance Corporation Scheme offers members financial preservation in case of an ill timed health-related incident. The scheme provides medical benefits, disability benefits, maternity benefits, unemployment allowance, etc.

During a time, when the industry was still in its growing stage, the people of India was still heavily dependent on a large collection of imported goods and services. These goods and services were given by either the developed or developing parts of the world. So, India being the self-dependent country it is, started developing the working class sector so assure that manufacturing and labor jobs remained in the country.

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A labour force was developing in the country, dedicated to assure that industry in India starts to grow and thrive. To assure that these workers were preserved in terms of health and finances, the Parliament executed the Employees’ State Insurance Act, 1948 (ESI Act). It was the first major legislation that was meant to store social security for workers. The ESI Act encloses health related situations which workers are open to on a regular basis. This could consist any type of sickness, temporary or permanent disability, maternity, diseases contracted from a workplace, death due to employment, and any type of injury that results in the loss of wages or earning capacity. The ESIC Act performs as a financial safety net for workers against these diseases.

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Contribution Rates

Employee’s contribution rate 0.75% of the total wage (in effect from 1 July 2019)
Employer’s contribution rate 3.25% of the total wage paid to the employee’s

Contribution Period

1: Who was the first woman President of India?

2: Which of the following is the longest river in India?

3: Who is known as the ‘Missile Man of India’?

4: What is the capital of Arunachal Pradesh?

5: Who among the following wrote the book ‘Discovery of India’?

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    Tenure Months
    Periods for contribution
    • 1st April-30th September
    • 1st October-31st March
    Periods for Cash benefit
    • 1st January-31st June
    • 1st July-31st December

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    How to Register for ESIC

    Following are the steps you will have to follow to register for ESIC:

    • Click on this link .
    • A new page will open where you will have to click on ‘Employer Login’.
    • Below, click on ‘Common Registration for ESIC’.
    • Enter the accurate details and submit them along with the necessary documents. If all the details are correct, your registration for ESIC will be successful.

    ESIC Login Steps

    • Click on the link https://www.esic.in/.
    • A new page will open where you will have to click on ‘Employee/Insured Login’.
    • Enter your login id, password, and the captcha.

    ESI Coverage

    This scheme has also been made expanded to hotels, shops, cinemas and preview theatres, restaurants, newspaper establishments, and road-motor transport undertakings. This scheme has also been widened to the Private Educational and Medical institutions that have employed 10 or more people. This is admissible in certain states and union territories only.

    This scheme has been executed in stages in every state in India except Arunachal Pradesh and Manipur. The scheme has also been approved in all union territories except for Daman and Diu, Dadra and Nagar, and Lakshadweep Islands.

    The ESI scheme has been informed in a total of 325 complete districts out of a total of 393 districts. Out of these notified districts, 89 districts executed the scheme partly.

    Coverage (as on 31 March 2016) Particulars
    No of Employees 2.46 crore
    No. of Insured Person Family Members 3.39 crore
    Total No. of Beneficiaries 13.16 crore
    No. of Employers, etc. 14.82 lakh
    No. of Insured Women 61.63 lakh

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    Who are Eligible for ESI?

    To come under benefits provided by the Employee State Insurance Corporation (ESIC), an individual should adhere to certain criteria that has been set by the committee. The ESI scheme is suitable to

    • An individual who is worked in a non-seasonal factory that has more than 10 workers. This criteria applies under Section 2 (12) of the Act.
    • With effect from 1 January 2017, the wage limit of an employee is set at Rs.21,000 per month for him/her to come under the coverage of the ESI scheme.

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    Guidelines for Employers to Register Their Establishment for ESIC

    Under section 2A of the Act, it is a statutory responsibility of an employer to register their establishment for ESIC for the enhancement of their employees. The following steps show how to register a factory/establishment of this scheme:

    • Visit the official portal at www.esic.in
    • Register by creating an ESIC account.
    • Within 15 days of applying, complete the sign-up process by providing the name of the factory/establishment, name and address of the principal employer, bank account number, PAN card details, insights of power consumption in case of factories, state and region of the establishment, and e-mail address.
    • The system would send a registration ID and password to the mail ID provided, automatically.
    • Using the registration ID and password, login into www.esic.in
    • After successful registration, a unique 17-digit code will be generated in the name of the company. After receiving this unique code, the establishment will now be able to start ESI filings.
    • The said establishment must intimate the addition of employees to ESI Corporation. An employee is given insurance of ESIC benefits as soon as they join their respective job in an insured establishment. But they need to provide their personal and family details along with their latest photographs to receive their ESI card.

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    Documents Required

    To create an ESIC account:

    The following documents are required when registering a company or establishment with ESIC:

    • Certificate of Registration (in case of a private limited company) of the company or establishment
    • License or a registration certificate which can be obtained under the Shops and Establishment Act or the Factories Act
    • Certificate of Registration for every entity and for the commencement of production of factories
    • Detailed list of employees along with their monthly compensation
    • List of partners, shareholders, and directors of the company or establishment
    • The company’s bank statements along with sufficient evidence about the commencement of operations
    • Address proof and PAN Card of the business establishment or company

    To receive ESI returns in ESIC account:

    • Register of attendance
    • Inspection book
    • Wage/salary register
    • Register of occurrence of any occupational hazard
    • Monthly challans

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    Mistakes to Avoid

    • The insured employee must not involve ineligible persons into his or her ESIC scheme to make use of the benefits.
    • ESIC or Pehchan card must not be tampered with or damaged in any way.
    • The card is your property and must not be given to anyone else as it is a punishable offence.
    • An insured employee must not undertake cheating of any kind to claim medical support.
    • An insured employee must not cheat the authority by producing unreal medical certificates. Detection of the same shall reflect punishment.
    • The forms for ESIC account are available for free in the branch offices of ESI. Avoid paying imposters for this procedure.
    • An insured employee must report the birth/death of dependents by adding/deleting family members, respectively.

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    Redressal of Public Grievances

    A Public Grievances Redressal System has been set up by the ESI Corporation to aid in clearing out any inquest or issues that an employee might face. The following helplines have been made to cater to the workers and employees under the ESI scheme. The numbers are toll-free and can be called at any time of the day.

    Name of the Region Toll-Free Helpline
    Andhra Pradesh RO*, Hyderabad 1800-425-2358
    Bihar RO, Patna 1800-345-6190
    Assam RO, Guwahati 1800-345-3627
    Goa RO, Panji 1800-233-0132
    Chhattisgarh RO, Raipur 1800-233-5172
    Gujarat RO, Ahmedabad 1800-233-0424
    Haryana RO, Faridabad RO, Faridabad 1800-180-1475
    SRO, Gurgaon 1800-180-2526
    Jammu & Kashmir RO, Jammu 1800-180-7029
    Himachal Pradesh RO, Baddi 1800-180-2862
    Odisha RO, Bhubaneswar 1800-345-6712
    Jharkhand RO, Ranchi 1800-345-6532
    Madhya Pradesh RO, Indore 1800-233-4414
    Tamil Nadu RO, Chennai 1800-425-7080
    SRO, Madurai 1800-425-2527
    SRO Tirunelveli 1800-425-1505
    Uttarakhand RO, Dehradun 1800-180-4161
    Uttar Pradesh RO, Kanpur RO, Kanpur 1800-180-5127
    SRO, Noida 1800-180-3181
    Maharashtra RO, Mumbai RO, Mumbai 1800-209-4599
    SRO, Pune 1800-233-4143
    Puducherry RO, Puducherry 1800-425-7642
    Punjab SRO, Ludhiana 1800-180-0026
    West Bengal RO, Kolkata 1800-345-4454
    SRO, Barrackpore 1800-345-5985
    Karnataka RO, Bangalore 1800-425-0636
    SRO, Hubli 1800-425-0037
    Rajasthan RO, Jaipur 1800-180-6266
    RO, Udaipur 1800-180-6224

    *Note: RO-Regional Office, SRO-Sub-Regional Office

    An employee or worker can even contact the ESI Corporation by sending a mail to the following address:

    ESI Corporation,

    Panchdeep Bhawan,

    CIG Marg,

    New Delhi-110002

    Website: www.esic.nic.in, www.esic.in

    E-mail:pg-hqrs@esic.nic.in

    Phone:011-23239333 (EPABX)

    Toll Free Helpline No.:1800-11-2526/1800-11-3839 (for medical inquests)

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    When is ESI registration required?

    When a company employs 10 or more employees, it is compulsory for that company or any other organization to register with the ESIC. An employee who gets less than Rs.21,000 per month gives 1.75% of his/her salary towards the ESI where as the employer pays 4.75% towards the ESI making a gross of 6.5%. The company or establishment can apply for an ESI registration within 15 days from the time the ESI Act becomes admissible to that company or establishment.

    Importance of ESIC Account

    Employee State Insurance Corporation (ESIC) Scheme has been developed to provide safety in the form of financial protection to an employee for any health-related issues. ESIC features include maternity benefits, medical benefits, disability benefits, and so on.

    Employee State Insurance Corporation Scheme is based on the first legislation passed by the Parliament, concentrating on the advancement and social security of all workers named Employees’ State Insurance Act, 1948. This Act confirms the health-related problems an employee is faced daily.

    Benefits of ESIC

    ESIC includes six primary social securities, along with other extended benefits, which are mainly need-based. An amazing characteristic of this scheme is that it does not make any difference when it comes to giving financial support to an employee, even though the percentage of contribution an employee provides is kept fixed. It is dependent on his/her work wages. An ESIC account, thus, offers the following social securities:

    Medical Benefit

    An insured employee and his family members start to get total medical benefits from the day he/she begins an insurable job. The ESIC insurance is also admissible for insured retired persons and permanently disabled employees along with their wife/husband for a token premium amount of Rs. 120 which is paid yearly.

    Sickness Benefit

    This ESIC benefit assures an amount which is 70% of the daily average wage earned by an employee to be distributed to them during a medical leave for a maximum of 91 days in a year. To get this benefit, the employee have to serve his employer for 78 days in a half-yearly contribution period. Under this category also comes the Extended Sickness Benefits, which is helpful in supporting the medical expenses for deadly and long-term diseases at an increased rate of 80% of the daily wage average.

    Maternity Benefit

    This benefit offers an assured 100% of the average wage for twenty-six weeks of maternity leave from the time of labour, and it can be additionally extended for a month. The employee have to give for 70 days in the previous two contributions. It also offers 6 weeks of benefits in the case of miscarriages and 12 weeks for adoption cases.

    Unemployment Allowance

    This allowance comes under the Rajiv Gandhi Shramik Kalyan Yojana, that offers financial support to an insured person who has become jobless due to situations like the closing down of the company, permanent invalidity, retrenchment, etc. if he/she has employed an insurable job for three years. Under this benefit, the insured employee having an ESIC account will get medical assistance from ESI hospitals or dispensaries, where the allowance equals 50% of wages for a time period of up to two years. ESIC also assures the expenses of travelling for vocational training.

    Disablement Benefit

    The disablement benefit encloses financial support for both permanent as well as temporary disability of an insured employee. 90% of the wage earned is payable to the person if he suffers any impairment because of an job related danger; also the same amount is also admissible for the person’s family or dependent in the form of Dependent’s Benefit, in the situation of the death of the insured employee.

    Other Benefits

    If an employee holds an ESIC account, they will also be provided with extra benefits, like:

    • Funeral Expenses: The dependents of an insured employee are provided an amount of Rs. 15,000 as funeral expenses.
    • Confinement Expenses: In case an insured female employee or an insured person with a wife gets financial support of Rs. 5,000 if they are restricted in an area where medical aid under the ESI scheme is not properly available.
    • Vocational Rehabilitation is given to permanently disabled employees having an ESIC account.
    • Physical Rehabilitation is offered to employees suffering from physical impairment due to employement hazards.
    • Old Age Medical Care covers superannuated insured employees.

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    Occupational Diseases Centres

    There are four zonal centres and one IOHER (Institute of Occupational Health, Environment, and Research) centre set by ESI Corporation to provide medical support to employees and monitor the enhancement of their employment health.

    North Zone IOHER, ESIC Hospital, Basaidarapur, New Delhi
    South Zone K.K. Nagar, Chennai
    East Zone Joka, Kolkata
    West Zone Andheri, Mumbai
    Central Zone Nandanagar, Indore

    Why Is It Important to Have an ESIC Account?

    An employee may face various kinds of hazards while on the job. It is the duty of the nation, and of course, the employer to provide employees with benefits for their well-being as well as that of their dependents. In the wake of this, the State enacted the ESI Act. ESIC is a “multi-dimensional social security scheme” crafted to provide health benefits and medical assistance during a period of distress. And to hold an ESIC account, an employee needs to be working under an insurable establishment.

    Budget Estimates for 2018-2019

    Given below is the budget estimate provided by ESIC for the year 2018-19, along with income/expenditure of ESI Corporation for two consecutive years of 2016-17 and 2017-18:

    Income

    HEAD OF ACCOUNT ACTUAL (2016-17) *IN CRORES ACTUAL (2017-18) *IN CRORES ESTIMATE FOR 2018-19 *IN CRORES
    Contribution 13662.44 20077.18 20900.00
    Interest 3069.19 3196.89 3926.35
    Fees, fines, and forfeitures 32.22 36.48 36.00
    Rates, rents, and taxes 55.71 57.52 89.41
    Other 32.83 112.30 125.00
    Total Income 16852.38 23480.37 25076.76

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    Expenditures

    HEAD OF ACCOUNT ACTUAL (2016-17) *IN CRORES ACTUAL (2017-18) *IN CRORES ESTIMATES FOR 2018-19 *IN CRORES
    Medical Benefits 6256.57 6867.73 12642.96
    Cash Benefits 1517.93 642.84 1339.16
    Other Benefits 2.45 2.52 3.58
    Total Benefits 7776.95 7513.09 13985.70
    Administrative Expenses 1732.04 1031.06 1740.03
    Contribution to Capital Construction Fund 136.62 200.77 209.00
    HEAD OF ACCOUNT ACTUAL (2016-17) *IN CRORES ACTUAL (2017-18) *IN CRORES ESTIMATES FOR 2018-19 *IN CRORES
    Total Expenditure 9645.61 8744.92 15934.73
    Other Provisions (Prior period items) 82.10 416.44 –
    Grand Total 9727.71 9161.36 15934.73

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