Friday, January 10, 2014

6 Important Features of Employee State Insurance Act – ESIC – 1948

ESIC will provide certain benefits to employee in case of sickness, maternity and employment injury and to make provisions for related matters.
It is applicable when your company having more than 10 employees and the eligibility criteria will be as follows.

Employees who is getting less than 15k gross salary
Covers dependents of insured persons

Employees have to contribute for ESIC? How much employee has to contribute for ESIC?

Yes, Employee has to contribute 1.75% on his gross salary even employer has to contribute 4.75% of employee gross. Again this fee has to be submitted before 21st of every month.

 Important Features

Medical Benefits – Following are free if you undergoing any Consultation, Medicines, Lab test, special aids etc.,

Sickness Benefits – Extended sickness benefits up to 2 years for long term disease of 3 years, Enhanced Sickness Benefits up to 7 days & 14 days

Maternity Benefits – Its applicable for lady employee or wife of insured employee. Benefits will be available for a period of 12 weeks and hospitalization charges.

Disablement benefits – In case of employment injury or occupational disease, Temporary disablement benefits, Permanent disablement benefits.

Dependants’ benefits – In case of death of an employee because of employment injury or occupational disease.

Funeral expenses – Up to rupees 10,000 

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