ESI Cash Benefits | ESI Adaptation | ESI official Gazette

The govt of India has taken a historic decision to scale back the speed of contribution under the ESI Act
The govt has reduced contributions of employee and employer towards ESIC to 4% from prevailing 6.5%
Currently, the employee’s contribution rate is 0.75% of the wages and employer’s is 3.25% of the wages payable in respect of the workers in every wage period that is from 1st July 2019
The wage maximum of coverage was enhanced from Rs 15,000 per month to Rs 21,000 per month from January 1, 2017

Medical Benefits:

There are following 3 types of Medical Benefits:

Type	Nature of Problems	Provided At
PRIMARY	BASIC AILMENTS	ESIS DISPENSARY/ INSURED MEDICAL PRACTITIONERS
SECONDARY	BASIC HOSPITALIZATION, INCLUDING SURGERIES	GIVEN AT ESIC HOSPITAL
TERTIARY (SST)	HIGHER TREATMENT/SURGERIES	AT ESIC HOSPITALS/ PRIVATE TIE UP HOSPITALS

Sickness Benefit:

NAME OF BENEFITS	CONTRIBUTORY CONDITION	DURATION	RATE
SICKNESS	78 days Contribution to be paid relevant CP	Up to 91 days in 2 consecutive Benefit period	70 % of average wages
ENHANCED SB	Same As Above	07 Days for Men , 14 days for Women	100 % wages
EXTENDED SB	For 34 specified long term disease 2 year Continuous Employment and 156 days Contribution in 2 CP	Maximum up to 730 days.	80% of wages

Dependent Benefit:

NAME OF BENEFITS	CONTRIBUTORY CONDITION	DURATION	RATE
DEPENDENT BENEFIT	Day 1 of Insurable Employment for employment Injury cases	For Widows whole life or re-marriage. Son up to age of 25 years Daughter till marriage Widowed mother dependent whole life	90 % of wages subject to the defined ratio of dependents.
EXTENDED SB	For 34 specified long term disease 2 year Continuous Employment and 156 days Contribution in 4 CP	Maximum up to 730 days.	80 % of wages

Maternity Benefit:

NAME OF BENEFITS	CONTRIBUTORY CONDITION	DURATION	RATE
Maternity Benefit	70 days contributions to be paid by the insured women in 2 previous contribution periods	Up to 26 weeks 1 month more for sickness arising out of pregnancy duly certified by the doctor	100 % of wages

Disablement Benefits:

NAME OF BENEFITS	CONTRIBUTORY CONDITION	DURATION	RATE
Temporary Disablement	Day 1 of Insurable Employment for employment Injury cases	As long as Temporary disablement last	90% of last wages
Permanent Disablement	Day 1 of Insurable Employment for employment Injury cases	For Whole Life	As per loss of Earning Capacity calculated by Medical Board

Other Benefits:

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HR Generalist Practical Training
Labor Law Training
PoSH Training
Advance Excel Training
Corporate Training ( PoSH, Awareness Program, Soft Skill Training, HR Training, etc…)
PF-ESI Registration
Payroll Training

NAME OF BENEFITS	CONTRIBUTORY CONDITION	DURATION	RATE
Confinement Expenses	IW/Wife of IP is eligible if confinement takes place at location where ESI Hospital is not available	For 2 confinement only	Rs. 10000/- per case
Funeral Expenses	From Day 1 of Insurable employment	For funeral expenses on death of IP	Maximum of Rs.15000/-