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The ESI Act of 1948 was India's first major social security legislation for workers, providing protection against sickness, maternity, disability, and occupational diseases, as well as injuries related to employment. Inaugurated on February 24, 1952, by Prime Minister Pandit Jawaharlal Nehru, the ESIC scheme ensures health and financial security to employees so that they are given a feeling of dignity and support during times of distress. Gradually, the scheme has expanded to cover several workers and their families across the nation.
ESIC is a service mandated for non-seasonal factories and businesses, employing more than 10 employees-with some states enhancing the threshold limit to 20 employees-earning a basic wage of Rs. 21,000 or less per month, while it is Rs.25,000 for PWDs (persons with disabilities).
Employers should register new employees within 15 days of joining. Employers would contribute 3.25% of the employee's monthly wages to the scheme, and the employee contributes 0.75%. Employees earning less than Rs.176 a day are exempt from contributing.
Here is our detailed article on ESIC for further reading
ESIC Portal – Employees Sign-Up & Login to Access Benefits
As mentioned above, employers are required to register and upload their employees’ details within 15 days of their joining the service. Once the employee details have been registered by the employer, an Insurance Number is generated for the employee, who will now be called the Insured Person.
Employees can register on the ESIC portal with this insurance number to manage and access details of their ESIC account. We will see a step-by-step account of how employees can register on the ESIC portal using their ESIC insurance number.
1. Visit ESIC Official Website. On the left-hand menu bar, click on these options - Services > Employees > IP Portal2. Next page will be the IP Portal page where you will register your insurance account. You need to click on ‘Sign Up’.
3. You will be asked to enter your insurance number, date of birth, mobile number, and the Captcha code.
4. OTP is sent to your mobile number for verification. Now you can set your password.
5. Once the registration is complete, you can login to the IP Portal using your insurance number and the password created.
The IP Portal allows the employees/insured persons to access various ESIC Account related information like employee contribution details, entitlement for benefits, claim status, and various other services.
What are the benefits offered by the ESIC Scheme for Employees?
The ESIC works towards providing uniform standards of medical care for insured persons and their family members in every aspect of medical care since the rate of contributions paid by the employers and employees is uniform throughout the country.
The scale of Medical Benefit to be provided under Section 57 of Act to the IPs & their members is to be prescribed by State Government in consultation with the Corporation under Section 58(1 & 3) of Act under State Medical Benefit Rules.
ESIC insured persons and their family members registered under the ESIC scheme are eligible to avail the below benefits & treatments in ESI Dispensary/Hospital/Diagnostic Centre and recognized institutions –
- Outpatient treatment
- Specialists Consultation.
- In-patient treatment (Hospitalization)
- Drugs & dressings
- Artificial limbs, aids and appliances are also offered free of cost
- imaging and laboratory services.
- Integrated family welfare, immunization and MCH Programme and other national health programme etc.
- Re-imbursement of ambulance service or conveyance charges to reach hospitals, diagnostic centers etc.
- Medical Certification and
- Special provisions.
An IP and/or a family member cannot claim medical services over and above what has been so prescribed. Reasonable medical, surgical and obstetric treatment to the insured persons and their dependents.
Details of medical treatments and facilities covered under the ESIC Scheme for Employees
Following is some of the benefits an employee can avail from the ESI Scheme:
Medical Benefit: It includes full medical care for the employee and his family starting from the first day of employment. There is no ceiling on the expenditure on the treatment to the employee or his family.
Sickness Benefit: It provides, in the event of certified sickness, cash compensation up to 70% of wages. This benefit is payable up to a maximum period of 91 days for a year.
Maternity Benefit: This is inclusive of pregnancy, wherein the employee is entitled to receive maternity leave of 26 weeks. The employee can extend it further by one month on medical advice. Employees who have contributed for 70 days in the last two contribution periods are entitled to full wages.
Disablement Benefit:
a.Temporary Disablement Benefit (TDB): In cases of injury at work, the employee is paid 90% of the wages from the first day itself, even if no contribution has been paid.
b.Permanent Disablement Benefit (PDB): The employee is paid 90% of wages per month, which is derived based on the level of disability as decided by a Medical Board.
Dependents Benefit: In the case of death due to employment injury or occupational hazard, dependents get 90% of the wages every month.
Other Benefits:
Funeral Expenses: Rs. 15,000 are paid for funeral expenses to the person performing the last rites.
Confinement Expenses: In case adequate medical facilities are not available, an insured woman or wife of an insured person is entitled for assistance for childbirth expenses.
Process to apply and get your ESIC Card or e-Pehchan card
Here is the simple process to get your ESIC card, also known as the e-Pehchan card:
- Open and login to the ESIC portal in your browser.
- At the bottom, you will see a list ‘Insured Person’, under which you can see 'View/Print e-Pehchan Card.'
- It will display your e-Pehchan card that you can download and print.
- Once you print the card, you have to paste your joint photo with the dependents on the second page of the ESIC TIC and get it attested by your HR.
- Once it is duly attested, you can use it to avail all the benefits under the ESIC scheme.
How do I avail the benefits under the ESIC Scheme?
- You can walk into the dispensary mentioned on the Medical Card for consultation. Remember to carry your TIC (Temporary Identity Certificate) and your MC (Medical Card) to avail the service.
- If the doctor feels necessary, based on the illness and your current condition, they may refer you to the ESIC Model Hospital for further treatment.
- In special cases, you could also be referred to a private hospital for Super Specialty Treatment (SST). These private hospitals have tie-ups with the ESIC and offer treatment under the ESIC scheme, for both you and your dependents.
- The Super Specialty Benefit is payable for up to Rs. 10 lakhs for the insured persons and their dependents.
Eligibility for SST:
- Insured persons who have completed six months of service from date of registration and 78 days in each of the two contribution periods are eligible to avail SST for self.
- One-year service from registration date must be completed to get dependent-related benefits.
FAQs on ESIC – Registration, Login & Benefits – FAQs:
1. Which industries or sectors are covered under the ESIC scheme?
The ESIC scheme is available for non-seasonal factories or establishments that run with more than 10 employees (20 employees in some states). The core industries and sectors covered under the ESIC include:
- Private educational institutions
- Road transport establishments
- Newspaper establishments
- Theatres and cinema halls
- Small & Medium sized shops
- Restaurants and hotels
- Small & medium scale manufacturers
- SME service providers in the hospitality industry
2. Who from the employees’ family are covered under ESIC?
Medical facilities under the ESIC are available to the employee and his dependent family members. This typically includes parents, spouse, and children.
3. How much do employees need to contribute every month towards ESIC?
While employers contribute 3.25% of your basic pay, employees need to contribute 0.75% of your basic pay towards ESIC.
4. Is ESIC mandatory?
Yes, all employers with more than 10 employees, whose gross pay is less than Rs.21,000 per month, have to register their employees under the ESIC and make the necessary contribution for them.
5. Where can I find the IP Number for ESIC Portal login?
IP Number, or the Insured Persons Number, is your ESIC registration number given to you once your employer registers you on the ESIC portal.
Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.