Know the benefits of ESI Scheme Registration

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Know the benefits of ESI Scheme Registration


The ESI or Employee State Insurance scheme offers medical and monetary benefits to all the employees of various sectors. ESI is regulated by an autonomous body, representing members who are employers, employees, State govt, Central govt, medical professionals and the Parliament. Under the ESI Act 1948, Section 2-A it is every employer’s statutory responsibility to register for ESI.

What are the entities covered under ESI


According to the notification issued by the government under Sec 1(5) of the ESI Act ,the following entities are covered under the ESI

1. Shops

2. Cinemas

3. Restaurants and hotels

4. Road Motor Transport Establishments

5. Newspaper establishments that are covered under the factory act

6. Private educational institutions


Benefits of ESI scheme


Under Section 46 of the Act the ESI offers six social security benefits.


1. Medical benefits

Under Section 57 of the Act employees who fall under the ESI plan, hereafter called Insured Persons (IPs) and their family members are eligible to avail State Medical benefits as per the prescribed limit. The beneficiaries are entitled to medical treatment at ESI dispensaries, hospitals, diagnostic centres and other ESI-recognized institutions. They can avail:

  • Outpatient and in-patient treatment - where the patient visits for diagnosis and overnight care
  • Home-based treatment by visits at their residences
  • Consultation by specialists
  • Drugs, artificial limbs, and other aids free of cost
  • Free laboratory tests
  • National health programmes like integrated family welfare, immunisation
  • Special provisions and medical certifications
  • Benefits for family members of the IPs: Complete medical care that is being offered to the employees, including hospitalisation, free drugs and aids, free medical examinations and tests, ambulance services, etc.

However, in some states like Gujarat and Bihar, the benefits may differ and it is recommended to connect with professional service providers.


2) Permanent and temporary disablement benefit

In unforeseen circumstances, if an employee gets injured permanently or becomes disabled, losing the earning capacity, then the employee is entitled to receive certain benefits. The Medical board for Occupational Diseases does a thorough assessment considering the age of the IP and monthly wages and awards a settlement.


3) Sickness benefits

During the period of sickness for a maximum of 91 days in a year, the insured workers can claim up to 70 percent of their wages. But this will be upon the condition the employee has worked for 78 days over a period of 6 months and that a valid medical certification has to be submitted.


4) Maternity benefits

Insured women employees can claim the following maternity benefits at 100% of their wages

  • Confinement - payable for 12 weeks on submission of Form 21 and 23
  • Miscarriage or medical termination of pregnancy - payable for 6 weeks from the date of miscarriage;
  • Sickness due to pregnancy or premature birth - payable for one month on submitting Forms 8,9 and 10
  • In the event of death during childbirth, the designated nominees can avail the payable benefits under form 24


5) Funeral expenses

If the death of the employee happens during the course of employment, then 90% of his salary would be given to his nominees or dependents. In addition, IPs get INR 10,000 as funeral expense


6) Other benefits

Other need-based benefits for employees include Vocational Rehabilitation, Physical Rehabilitation in case an employee becomes physically disabled during the tenure of his employment, Old age medical Care, Rajiv Gandhi Shramik Kalyan Yojana which offers unemployment allowance, vocational training for enhancing the skills and ESI medical allowances during the period of unemployment.

Find out the ESI Registration Procedure Online.

Why Vakilsearch


3 Working Days

If you've got all the documents and sign the authorisation letter immediately, it will take us three working days to file the application with the Registrar of Copyright in Delhi.

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We make your interaction with government as smooth as is possible by doing all the paperwork for you. We will also give you absolute clarity on the process to set realistic expectations.

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Our team of experienced business advisors are a phone call away, should you have any queries about the process. But we'll try to ensure that your doubts are cleared before they even arise.

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