The Employee State Insurance Corporation Scheme provides members monetary support in case of a sudden health-related eventuality. The Employee State Insurance Corporation Scheme provides medical benefits, disability benefits, maternity benefits, allowance related to unemployment, etc.
The Employees’ State Insurance System is a Health Scheme that was established in 1952 to provide monetary support for insured workers and employees in the event of illness, incapacity to do work, or in case of death. The year 2015 saw an improvement to ESICS. 7 lakh factories are currently covered by this programme, and this is really a unbeatable achievement. To take advantage of the benefits of this scheme, a person should be an employee of an organization that has an employee capacity of more than 10 employees and should earn at least Rs.21,000. This scheme provides coverage of various range of treatments, including a 26-week maternity cover and three years of unemployment coverage. Apart from this, the policyholders will get sickness and disablement benefits.
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Recent news related to Employee State Insurance Corporation Health Scheme
In April, 17.88 lakh new individuals have been added by Employee State Insurance Corporation (ESIC) has added 17.88 lakh new endorsers according to the most recent finance information. The government managed retirement and wellbeing plan for Indian laborers, ESIC, guarantees more inclusion by enrolling 30,249 new foundations in April 2023. Out of a sum of 17.88 lakh individuals, 47% are inside the age gathering of 25 years, which is around 8.37 lakh workers. Net female individuals out of the all out new supporters are 3.53 lakh, and 63% are transsexual representatives.
Eligibility Criteria:
To apply for Employee State Insurance Scheme, you need to fulfil the following eligibility criteria:
- An employee should earn Rs.21,000 per month.
- He or she should work in a non-seasonal company that has an employee capacity of more than ten employees.
What is Covered?
The majority of the Indian inhabitants can profit the advantages of ESIS. Presently, let us investigate what all are covered under Representative State Protection Plan:
- Representatives working at films, paper foundations, cafés, eateries, lodgings, and shops can profit the advantages of this plan.
- Moreover, individuals working clinical and confidential instructive foundations that have a worker limit of north of ten representatives can apply for this plan.
- The plan is open to more than 3.49 crore individuals.
What isn’t Covered?
The Employee State Insurance Scheme isn’t relevant to the ones who are procuring over Rs.21,000 each month or Rs.25,000, in the event of an individual with a handicap. Aside from this, states like Chandigarh and Maharashtra, the base representative limit of an association ought to be 20 workers to apply for this plan.
Advantages of Employees State Insurance Scheme:
Given beneath are the highlights and advantages of Workers State Protection Plan:
- Clinical: The plan offers reasonable clinical offices to the protected. The representative will get the protection inclusion from the very first moment of their business.
- Handicap: A representative or a laborer will get 90% month to month wage till the person recuperates in the event of impermanent disablement. Notwithstanding, in the event that a worker has extremely durable handicap, the person in question will get 90% month to month wage for lifetime.
- Maternity: The offers recipient 100 percent day to day compensation for as long as 26 weeks, though, on account of unsuccessful labor and reception, the recipient will get 100 percent everyday wages for as long as six weeks and 12 weeks, separately.
- Affliction: The plan gives income during clinical leave. The workers can get 70% of the day to day wage for a greatest time of 91 days. Be that as it may, this office can be profited two times every year.
- Wards: ESIC plot offers monetary help to the wards of the safeguarded in the event of any ailments.
- Joblessness: Through the ESIC plot, the safeguarded will get half of the typical month to month wage in the event of joblessness or because of super durable weakness brought about by a physical issue.
- Imprisonment Expenses: The guaranteed or the wards will get the constrainment costs in the event that control happens where there is no medical care under ESIC plot.
- Advanced Age Clinical Consideration: When a protected resigns from the organization after the age of 60 years, the safeguarded or his companion will get Rs.120 per annum.
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:
| Tenure | Months |
| Periods for contribution |
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| Periods for Cash benefit |
|
Documents Required:
Check Here: https://www.esic.nic.in/attachments/files/faq.pdf
The following documents are required to apply for Employee State Insurance Scheme:
- Address proof of all employees, including Permanent Account Number (PAN) Card
- Names of directors and shareholders of the company
- Annual income details of the company
- Cancelled cheque leaf
Factories Act and Establishment Act registration certificate
- Memorandum and Articles of Association
- List of all employees in an enterprise
Documents Required for ESI Returns:
These are the documents which required to ESIC Return
- Register for Form 6
- Attendance register
- Inspection book
- Register of wages
- Register of any accidents on the premises
- Returns and monthly challans submitted for ESI
Login Steps:
- Visit the Official Website.
- A new page will open where you will have to click on ‘Employee/Insured Login’.
- Enter your login id, password, and the captcha.
How to Apply for ESI Card (Pehchan Card)?
Apply here: https://www.bankbazaar.com/health-insurance/esic-card.html
The ESI Card or Pehchan Card is an ID card that used to get the advantages of ESIS plot at its organization medical clinics. The card contains the guaranteed’s name, their dad’s name, address, as well as the one of a kind ESI number. Aside from this, the card additionally contains the visa size photo of a protected and their ward. Given underneath are the moves toward download ESI Card:Visit ESIC Login Portal
- Login using your credentials.
- Under the ‘Employee’, click on ‘e-Pehchan Card’.
- Choose the unit details and click on ‘View’.
- You will be able to view details of all workers.
- Choose ‘View Counter Foil’ against the respective employee. The ‘Counter Foil’ is the ‘e-Pehchan Card’.
- Click on ‘Print’ to download it in PDF format.
- You need to sign in to the hard copy of the document along with the photographs of your dependents. This photo should be be attested by the ESIC official or your employer.
How to Register for ESIC?
You can also register here: https://www.bankbazaar.com/health-insurance/esic-card.html
Given below are the step by step process to register for ESIC:
- Visit ESIC Portal
- Sign Up to the portal using your details like your name, employer’s name, mobile number, email ID, region, and state.
- Click on the checkbox to confirm all your company details.
- Click on ‘Submit’.
- You will receive your login credentials to your email ID.
- Now, login to the ESIC portal using your credentials.
- Click on ‘New User Registration’.
- Choose your unit type and click on ‘Submit’.
- You will be redirected to a new page where you need to submit your unit’s name, address of your factory, and its nearest police station.
- Click on ‘Next’.
- Next, enter the nature and category of the business, and click on ‘Next’.
- Now, enter the date of commencement of the business.
- Choose the constitution of ownership and the ownership details.
- Click on ‘Save’
- Enter the total number of employees working in your factory and the number of employees earning less than Rs.21,000 per month. Click on ‘Save’.
- Enter the date when first ten employees were hired in the company and click on ‘Employee Declaration Form’.
- Now, enter the name of the IP, father’s name, date of birth, gender, family details, marital status, and date of joining.
- Click on ‘submit’.
- You will be redirected to a new page .
- Choose ESI branch office and inspection division and click on ‘Submit’.
- Click on ‘Pay Initial Contribution’ and click on ‘Submit’ button.
- Click on ‘Continue’ to make the ESIC payment.
How to Claim ESI Benefits?
A recipient can guarantee the accompanying kinds of advantages from ESI Plan:
- Health advantages: The guaranteed and their wards can profit medical services benefits from any ESI network emergency clinics.
- Cash Advantages: The workers who are recipients of this plan can get cash benefits in the event of affliction, extremely durable or impermanent handicap, subordinate, maternity, memorial service costs, joblessness, repression, physical and professional restoration.
How to Actually take a look at Guarantee Status of ESIC On the web?
Given beneath are the moves toward check guarantee status of ESIC on the web:
- Open the UMANG Application.
- Enter your ESIC Protection Number and snap on ‘Get OTP’.
- You will get an OTP on your enrolled portable number.
- Enter the OTP and click on ‘Submit’.
- Go to ‘Administrations’ menu and pick ‘Guarantee Status’.
- You will actually want to see the case status, in the event that you have raised any case.
ESI Administrative center and Helpline Number:
Coming up next are the subtleties of ESI Administrative center and helpline number:
Employees’ State Insurance Corporation Panchdeep Bhawan,
Comrade Indrajeet Gupta (CIG) Marg,
New Delhi – 110 002
Toll Free Number: 1800-11-2526
Some doubts related to ESIC Scheme
What is the minimum salary to apply for ESIC Scheme?
To apply for ESIC Scheme, an applicant should have a minimum salary of Rs.21,000 per month.
What is the time limit to pay the contribution towards ESIC?
The time limit to pay the ESIC contribution is 21 days from the last date of the month.
What is an ESI code number?
ESI code number is a 17-digit unique ID that is given to a beneficiary of the ESIC scheme.
What is the interest rate charged on late payment of ESI contribution?
An interest rate of 12% per annum is charged on late payment of ESI contribution.
If wages of an employee exceed Rs.21,000 in a month, will he/she be covered and the deduction of the contribution from his wages be stopped?
If the wages of an employee exceed Rs.21,000 in a month, then he/she will be covered till the end of the contribution period. Contribution shall be deducted and paid depending on the total wages that have been earned by the employee.