| Applicability |
|
1) All factories excluding seasonal
factories employing 10 or more persons and working
with electric power.
2) All factories excluding seasonal factories
employing 20 or more persons and working without
electric power.
3) Any establishment which the Government may specifically
notify as being covered.
4) Shop employing 20 or more persons. |
Note:
As soon as the above conditions are fulfilled the
employer should furnish the details in Form-01 to
ESI office for registration under the ESI Act, 1948
& Obtaining of the employer’s Code No. |
|
|
| Eligibiligy |
|
1) Any person employed for wages
(up to Rs. 6,500) in or in connection with the work
of a factory or establishment end.
2) Any person who is directly employed
by the employer in a factory or through his agent
on work which is ordinarily part of the work of
the factory or incidental to purpose of the factory. |
|
|
| Benefits |
|
1) Free medical treatment is offered
to covered employees at hospital and dispensaries
run by the ESI Corporation.
2) About 7/12th of employees normal wage
will be payable to him by ESI during sickness.
3) Maternity benefit for 12 weeks of which not
more than 6 weeks should be preceding confinement.
4) Injury during/in course of employment
resulting in temporary/permanent disablement entitles
the covered employee to a regular payment
to substitute his lost wages.
5) Death during course of employment entitles
specified dependents to a regular payment.
6) One time payment of Rs. 1,500 to help
meet funeral expenses. |
|
|
| Penal
Provisions |
|
1) For employees’ contribution
: Imprisonment for minimum 2 yrs. to maximum 5
yrs. and/or fine of Rs. 25,000/- .
2) For employer’s contribution :
Imprisonment for minimum 6 months to maximum 3
yrs. and/or fine of Rs. 10,000/- |
|
|
|
BENEFITS AT A GLANCE
|
| Benefits |
Contributory
Conditions |
Duration |
Rate |
To
Whom Payable |
| 1} a)
Sickness Benefit. |
I.P.
Should work for wages for 78 days in the corresponding
C.P.(wef 19-9-98). |
91
days in any two consecutive B.P. |
As
per S.B.R. |
Only
to the insured person |
| b)
Extended sickness benefit for long term diseases
like TB, leprosy, etc. |
Continuous
employment for the period of two years. |
124
days which may be extended upto 309 days in specified
chronic cases during a period of three yrs. |
25%
Above S.B.R. |
Only
to the insured person |
| c)
Enhanced sickness benefit (for under-going sterilization
operation for family planning) |
Same
as for Benefit (a)above |
7 days
for vasectomy & 14 days for tubectomy extended
in cases of post-coperative complications etc.
|
Twice
the S.B.R |
Only
to the insured person |
| 2}
Disablement Benefits (employment injury) |
No
Conditons |
In
case of temporary disablement: as long as incapacity
lasts & in case of permenant dis-ablement:
for life time. |
a) For
temp. Only to disablement the
injured 40% above person S.B.R |
EXPLANATION:
Where more injuries than one are caused by the
same accident, the rate of benefit payable under
clauses (c) & (d) shall be aggregated but
not so in any case as to exceed the FULL RATE
and in cases of disablement not covered by clauses
(a), (b), (c) & (d) at such rate, not exceeding
the FULL RATE, as may be provided in the regulations.
|
| 3}Dependent’s
Benefit (employment injury) |
No condition |
To the WIDOW/S during
life time until remarriage.
To the legitimate or adopted SON/S until he attains
the age of 18yrs. |
3/5 of the FULL RATE,
if there are 2 or more widows, the amt. payable
to the widows shall be divided equally between the
widows.
2/5 of the FULL RATE, if there are 2 or more sons,
the amt. payable to the sons shall be divided equally
between the sons. Subject to a min of Rs. 14/- |
|
| Benefits
|
Contributory
Conditions |
DurationRate |
To
Whom Payable |
| |
|
To the legitimate or adopted unmarried
Daughter/s until she attains the age of 18 yrs.
or until marriage, whichever is earlier, |
-----do----- |
| |
|
In case the deceased person does
not leave a widow or legitimate or adopted child.
D.B. shall be payable to... |
|
| |
|
a) Parent or grand parent,
for life |
3/10th of the
FULL RATE |
| |
|
b) Any other male dependent,
until
he attains the age of 18 yrs. |
2/10th of the
FULL RATE |
| |
|
c) Any other female dependent,
until she attains the age of 18 yrs. Or until
marriage whichever is earlier. |
-----do----- |
|
| N.B.
An insured person whose PERMANENT DISABLEMENT
has been assessed as final and who has been awarded
permanent disablement benefit at a rate not exceeding
Rs. 1.50 per day may apply for a lumpsum payment and
such amount shall be determined by multiplying the daily
rate of permanent disablement benefit by the figure
indicated in Co. 2 of the Schedule III of the Regulations. |
| Benefits |
Contributory
Conditions |
Duration |
Rate |
To Whom Payable |
4} Maternity Benefits
|
Payment of contribution for 70 days
in one or two consecutive
periods.
|
12 weeks of which not more than 6
weeks can precede the expected date of confinement. |
Twice S.B.R.
Subject t o min
of Rs.20/- p.d. |
Only to the insured
person. |
| |
|
6 weeks for miscarriage or for medical
termination of pregnancy
Additional payment for one month for Complications
(pre or post) arising out of Pregnancy |
Medical bonus
of Rs.250/-
where ESI
facility is not
available. |
|
5} Medical Insured Benefit
|
No Condition
|
From the date of entry of an employee
into an insurable employment so long as he remains
in insurable employment and three after for certain
additional period
|
Full Medical
care including
hospitalisation
|
Person as
well as his/
her Family
Members as defined u/s 2(11) of the Act. |
6} Funeral Expenses
|
No condition (i.e.merely by virtue
of being an insured person)
|
One time lump sum payment |
Not more than
Rs. 1,500/-
|
To the eldest
surviving
member of the
family of the
deceased I.P.
Or to the
person who
actually incurs
the
expenditure
on the funeral
of an I.P. |
7} Rehabilitation Allowance
|
No condition |
For each day of which I.P. remains
admitted in Artificial Limb Center for fixation,
repair or replacement of artificial limb.
|
Same as at
1(a) Up to Rs. 15 L
for
Rehabilitation. |
Only to the
I.P.
|
8}Medical
Benefit to insured
persons who
ceases insurable
employment on
account of permanent disablement.
|
No condition but an. I.P. has to pay
Rs. 10/- pm in lump sum for one year in advance
every year.
|
Till the date on which an I.P. would
have attained the age of
superannuation
|
Medical Benefit
|
IP and spouse. |
9}Medical
Benefit to retired
Insured Period
|
1) Insurable employment
for a period of 5 years
and
2) Payment of Office of the
Contribution @ Rs. 15/-
PM in lump sum
for one year in
advance, each year.
|
Till the time
yearly contribution is
paid to the Concerned
Office of the
Corporation.
|
----- |
Insured
person and
his spouse
|
|
|
| Other
Benefits |
|
| Supply of special aids : Insured
persons and members of their families are provided
artificial limbs, hearing aids, artificial dentures,
spectacles (for insured person only) & artificial
appliances like spinal supports, cervical collars,
walking callopers, crutches, wheel chairs and cardiac
pace makers, dialysis/dialysis with kidney transplant
etc. as part of medical care under the ESI Scheme. |
|
|
| Records
to be kept ready for ESI Inspection |
|
1. Attendance Register/Muster Roll.
2. Salary/Wage Register/Payroll.
3. EC (Employee’s & Employer’s Contribution)
Statement.
4. Employees’ Register U/R 32 (Form 7).
5. Accident Register U/R 66.
6. Return of Contribution (RC-Form 6).
7. Return of Declaration Forms (RDF - Form 3).
8. Receipted Copies of Challans.
9. Books of Account viz Cash/Bank, Expense Register,
Sales/Purchase Register, Petty Cash Book, Ledger,
Supporting Bills asnd Vouchers, a/w Delivery Challans
(if any). |
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