Download - Article - Unique ESI Scheme.pdf
-
7/27/2019 Article - Unique ESI Scheme.pdf
1/2
U N I Q U E S O C I A L S E C U R I T Y S C H E M E B Y I
(B.K.SAHU)Insurance Commissioner
Employees' State Insurance Corporation, INDIA
(VIEWSEXRESSEDARE PERSONAL)
Employees' State Insurance Scheme of Govemment
of India is a unique scheme for the workers in the organized
sector in that it provides medical care and cash benefits in
the contingencies of sickness, maternity, disablement and
death due to Employment Injury to workers covered under
this Act. It otherwise known to be a scheme for the workersfrom Cradle to Grave ..
Presently, the Scheme is extended to non-seasonal
factories employing 10 or more persons and to specified
establishments like shops, transport, medical and
educational institutions employing more than20/10 persons.
Recently, Central Government has issued notification for
extending ESI Scheme to contract/casual workers of Public
Sector Undertakings. The wage ceiling limit for coverage is
RS.15,OOO per month and contribution of1.75% employees
contribution ard 475% employers' contribution is paid by
eac, vorkers co ered under this,Scheme.
The benefits under ESI Scheme are deliveredthrough it's own network of 800 offices for cash benefit and
medical care through 1400 dispensaries, 150 hospitals ar.d
800+ corporate hospitals providing primary, secondary and
tertiary services. The various benefits provided under the
ESI are as follows:-
(1)
( 2 )(3)
(4)
( 5 )
(6)
( 7 )
(8)
Medical Care
Sickness BenefitExtended Sickness Benefit
Maternity Benefit
Permanent Disablement BenefiU
Temporary Disablement Benefit:
Dependants Benefit :
Rajiv Gandhi ShramikKalyanYojna
(Unemployment Allowance)
Incentive Scheme for persons
with disabilities
Primary, secondary and tertiary with no cap.
91 days - 70% of the average daily wages in a year.730 days (upto 2. years for specified 34 diseases)
84 days + 4 weeks (due to complications arising out ofpregnancy, confinement, premature birth of child etc.)
almost 100% of the average daily wages.
Based on loss of earning capacity as long as disability lasts.
About 90% of the average daily wages.On death of IP/lW to the wife till she is alivel
remarriage and to other
family members as per conditions w.r.t. agel marriage. About
90% of the average daily wages.
50% of wages upto 12 months of unemployment on account
of closure, retrenchment and permanent invalidity of not
less th~n 40% arising out of non-employment injury.
The employers' share of contribution is paid by government
for 3 years for providing employment to persons with
disabilities drawing monthly' wages ui:oRs.25,OOO.
-
7/27/2019 Article - Unique ESI Scheme.pdf
2/2
ervlces providedTnclude..primary. secondary aM
tertiary medical care.
Submission of rife certificate for DB once in year
instead of twice g..year. f.. .' ESIC-has-approved payment of conveyance :
allowance to be paid to IPs @Rs-:100 per visjt for
submission of Ufe Certificates in POB cases
No need for submission of claim for PDB/DB.
Calculation of benefit rales has been simplified.
Release of FrequenUy Asked Questions
(FAQs) to provide user-friel1dLy guide for our
e p 0 ers an InSlfl"ed peTSon.' J _
Minimum Dependant Benefit of Rs"12{)O p~rmonth per family unit w.e.f. 1.4.2012 .
Increase in POB and DB rates to compensate
for erosion in the value due to inflation
Renovation of f ield off ices With proper
accommodation and amenities to provide wai1ing
space and working environment for our
stakeholders ..
Provision of 24X7 Toll Free NO.1800112526'
IT Project Panchdeep has been launched for 'Any
Time Any Where' services
For Nor~h East States and other Hilly areas,
norms have been relaxed for s-etting up of
Dispensaries and Hospitals.
For provision Qf tertiary/ super speciality medical '
care, tie-up !:!as been made with 800+ reputedprivate and jovernment hospitals all over the
country and patients are free to opt for any ot..the
networked hospital for treatmen .
IT ROLL OUT
To connect all the stakeholders of the Scheme
to ensure speed)' and timely delivery in the form
of "Any Time Any Where services" is being
launched in collaboration with M/s. WIPR0 an
international acclaimed IT Company.
Issue of two Pehchan Cards (one for self & other
for family members).
LATEST INITIATIVES
Medical Care :
1. Modernization and upgradation of hospitals byprovioing modern equipments.
2. Ceiling on medical care reimbursement is being ,
enhanced from time to time now it is.US$28 per
famity per annum.
3. Expen