We are India's largest salt manufacturers, and we have operations in different parts of the country. I am working as a Human Resource Executive in a salt refinery. Our project is in Machilipatnam (Andhra Pradesh), which does not have an ESI hospital facility. Therefore, we are not providing ESI benefits to the employees. Instead, we need to allocate funds for staff welfare.
From India, Srikakulam
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3From India, Srikakulam
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Dear Abhiram,
If any location is exempted from ESIC, then you need to provide benefits under the Workmen's Compensation Act. You may refer to any insurance company and check for Group Insurance, Group Personal Accident Policy, Group Mediclaim Policy, etc.
Regards, Tushar Swar
From India, Mumbai
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If any location is exempted from ESIC, then you need to provide benefits under the Workmen's Compensation Act. You may refer to any insurance company and check for Group Insurance, Group Personal Accident Policy, Group Mediclaim Policy, etc.
Regards, Tushar Swar
From India, Mumbai
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Sir,
One of our employees died in an accident (on duty), and another is admitted to the hospital for treatment. I need to know the applicability of ESI and the benefits available for road accidents.
Kindly assist me in this matter.
From India, Tirupur
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One of our employees died in an accident (on duty), and another is admitted to the hospital for treatment. I need to know the applicability of ESI and the benefits available for road accidents.
Kindly assist me in this matter.
From India, Tirupur
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Dear Miruthun,
For a deceased case, below are the mentioned benefits available under the ESIC.
Dependents' Benefit (DB): DB is paid at the rate of 90% of the wage in the form of a monthly payment to the dependents of a deceased Insured person in cases where death occurs due to employment injury or occupational hazards.
Other Benefits:
Funeral Expenses: An amount of Rs.10,000/- is payable to the dependents or to the person who performs last rites from day one of entering insurable employment.
Confinement Expenses: An Insured Woman or an I.P. in respect of his wife in case confinement occurs at a place where necessary medical facilities under the ESI Scheme are not available.
For an accident case, below are the mentioned benefits available under the ESIC.
Medical Benefit: Full medical care is provided to an Insured person and his family members from the day he enters insurable employment. There is no ceiling on expenditure on the treatment of an Insured Person or his family member. Medical care is also provided to retired and permanently disabled insured persons and their spouses on payment of a token annual premium of Rs.120/-.
System of Treatment
Scale of Medical Benefit
Benefits to Retired IPs
Administration of Medical Benefit in a State
Domiciliary treatment
Specialist consultation
In-Patient treatment
Imaging Services
Artificial Limbs & Aids
Special Provisions
Sickness Benefit (SB): Sickness Benefit in the form of cash compensation at the rate of 70 per cent 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 insured worker is required to contribute for 78 days in a contribution period of 6 months.
Extended Sickness Benefit (ESB): SB extendable up to two years in the case of 34 malignant and long-term diseases at an enhanced rate of 80 per cent of wages.
Enhanced Sickness Benefit: Enhanced Sickness Benefit equal to the full wage is payable to insured persons undergoing sterilization for 7 days/14 days for male and female workers respectively.
Disablement Benefit
Temporary disablement benefit (TDB): 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 the wage is payable so long as disability continues.
Permanent disablement benefit (PDB): The benefit is paid at the rate of 90% of the wage in the form of a monthly payment depending upon the extent of loss of earning capacity as certified by a Medical Board.
From India, Mumbai
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For a deceased case, below are the mentioned benefits available under the ESIC.
Dependents' Benefit (DB): DB is paid at the rate of 90% of the wage in the form of a monthly payment to the dependents of a deceased Insured person in cases where death occurs due to employment injury or occupational hazards.
Other Benefits:
Funeral Expenses: An amount of Rs.10,000/- is payable to the dependents or to the person who performs last rites from day one of entering insurable employment.
Confinement Expenses: An Insured Woman or an I.P. in respect of his wife in case confinement occurs at a place where necessary medical facilities under the ESI Scheme are not available.
For an accident case, below are the mentioned benefits available under the ESIC.
Medical Benefit: Full medical care is provided to an Insured person and his family members from the day he enters insurable employment. There is no ceiling on expenditure on the treatment of an Insured Person or his family member. Medical care is also provided to retired and permanently disabled insured persons and their spouses on payment of a token annual premium of Rs.120/-.
System of Treatment
Scale of Medical Benefit
Benefits to Retired IPs
Administration of Medical Benefit in a State
Domiciliary treatment
Specialist consultation
In-Patient treatment
Imaging Services
Artificial Limbs & Aids
Special Provisions
Sickness Benefit (SB): Sickness Benefit in the form of cash compensation at the rate of 70 per cent 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 insured worker is required to contribute for 78 days in a contribution period of 6 months.
Extended Sickness Benefit (ESB): SB extendable up to two years in the case of 34 malignant and long-term diseases at an enhanced rate of 80 per cent of wages.
Enhanced Sickness Benefit: Enhanced Sickness Benefit equal to the full wage is payable to insured persons undergoing sterilization for 7 days/14 days for male and female workers respectively.
Disablement Benefit
Temporary disablement benefit (TDB): 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 the wage is payable so long as disability continues.
Permanent disablement benefit (PDB): The benefit is paid at the rate of 90% of the wage in the form of a monthly payment depending upon the extent of loss of earning capacity as certified by a Medical Board.
From India, Mumbai
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ESI contribution rates lowering.pdf