Introduction to the ESI Scheme

The Employees’ State Insurance Corporation (ESIC) manages the ESI scheme, designed to provide financial and medical security to employees with lower income levels. Eligible employees are issued an ESI card, granting them access to free medical services at over 150 ESIC hospitals and dispensaries across India, catering to both minor and severe health issues.

Eligibility Criteria

To qualify for the ESI scheme benefits:

• Employees must earn a monthly income of ₹21,000 or less.
• For individuals with physical disabilities, the income limit is extended to ₹25,000 per month.

Contributions:

• Employees contribute 1.75% of their salary.
• Employers contribute 4.75% of the employee’s salary.

Key Benefits of the ESI Scheme

1. Free Medical Treatment:

   • The scheme covers both the insured individuals and their dependent family members.
   • There is no limit on the medical expenses for the insured and their families.

2. Medical Care for Retirees and Disabled Individuals:

   • Retired employees, permanently disabled individuals, and their spouses can avail of medical care for an annual premium of just ₹120.

3. Paid Sick Leave:

   • Insured individuals can take up to 91 days of paid leave during illness.

Maternity Leave Benefits

• Women are entitled to 100% of their average wages during maternity leave for up to 26 weeks.
• In case of an abortion, they receive wages for up to 6 weeks.

Other Notable Benefits

1. Funeral Expenses:

   • ESIC provides up to ₹10,000 for funeral expenses if an insured employee passes away while employed.

2. Family Pension:

   • Dependents of the deceased insured employee receive a monthly pension in a specified proportion.

3. Disability Pension:

   • Temporary Disability: Monthly pension until recovery.
   • Permanent Disability: Lifetime monthly pension.

Conclusion

The ESI scheme is a lifeline for low-income employees, offering comprehensive benefits that ensure financial and medical security for both the insured and their families. With provisions for free medical care, paid leave, maternity benefits, and pensions, the scheme plays a crucial role in supporting employees and their dependents during challenging times.