ESIC Insurance Benefits: Insured persons should know these 6 important benefits

ESIC: Are you aware of these six important social security benefits that are granted to you if you are insured with the Employees' State Insurance Corporation (ESIC). An insured person is entitled for these six benefits under Section 46 of the ESI Act 1948. 

The ESI Act 1948, encompasses certain health related eventualities that the workers are generally exposed to; such as sickness, maternity, temporary or permanent disablement, Occupational disease or death due to employment injury, resulting in loss of wages or earning capacity-total or partial.  

6 social security benefits under ESIC Insurance: 

 Medical Benefit: As per the information available on ESIC website, full medical care is provided to an Insured person and his family members from the day he enters insurable employment. There is no ceiling on expenditure on the treatment of an insured person or his family member. Medical care is also provided to retired and permanently disabled insured persons and their spouses on payment of a token annual premium of Rs120.

Sickness Benefit: Sickness Benefit in the form of cash compensation at the rate of 70 per cent of wages is payable to insured workers during the periods of certified sickness for a maximum of 91 days in a year. In order to qualify for sickness benefit the insured worker is required to contribute for 78 days in a contribution period of 6 months. There is also a provision for extended sickness benefits and enhanced sickness benefits. Visit the website to know more.

Maternity Benefit: Maternity Benefit for confinement/pregnancy is payable for 26 weeks, which is extendable by further one month on medical advice at the rate of full wage subject to contribution for 70 days in the preceding Two Contribution Periods.

Disablement Benefit: For temporary disablement, benefit is given from day one of entering insurable employment at the rate of 90 per cent of wage is payable so long as disability continues. This is irrespective of having paid any contribution in case of employment injury. For permanent disablement, the benefit is paid at the rate of 90 per cent of wage in the form of monthly payment depending upon the extent of loss of earning capacity.

Dependents' Benefit: It is paid at the rate of 90 per cent of wage in the form of monthly payment to the dependents of a deceased insured person in cases where death occurs due to employment injury or occupational hazards.

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Other Benefits: ESIC also provides funeral expenses to the tune of Rs 15,000 to the dependents or to the person who performs last rites. Benefits is provided to an insured women or person in respect of his wife in case confinement occurs at a place where necessary medical facilities under ESI Scheme are not available.