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Benefits
The section 46 of the Act envisages following six social security
benefits :(a) Medical Benefit <http://www.esic.nic.in/medical_benefits.php> : 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 Rs.120/- .
1. System of Treatment <http://www.esic.nic.in/other_system_treatment.php>
2. Scale of Medical Benefit <http://www.esic.nic.in/other_scale_mb.php>
3. Benefits to Retired IPs <http://www.esic.nic.in/other_benefits_rip.php>

4. Administration of Medical Benefit in a State

<http://www.esic.nic.in/other_administration.php>
5. Domiciliary treatment
<http://www.esic.nic.in/other_domiciliary_treatment.php>
6. Specialist consultation
<http://www.esic.nic.in/other_specialist_consultation.php>
7. In-Patient treatment <http://www.esic.nic.in/other_ip_treatment.php>
8. Imaging Services <http://www.esic.nic.in/other_imaging_services.php>
9. Artificial Limbs & Aids <http://www.esic.nic.in/other_artificial_la.php>
10. Special Provisions <http://www.esic.nic.in/other_special_provisions.php>
11. Reimbursement <http://www.esic.nic.in/other_reimbursement.php>
(b) Sickness Benefit(SB) <http://www.esic.nic.in/sickness_benefits.php>
: 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.
1. Extended Sickness Benefit(ESB)
<http://www.esic.nic.in/esb_benefits.php> : SB extendable upto two
years in the case of 34 malignant and long-term diseases at an
enhanced rate of 80 per cent of wages.
2. Enhanced Sickness Benefit <http://www.esic.nic.in/es_benefits.php> :
Enhanced Sickness Benefit equal to full wage is payable to insured
persons undergoing sterilization for 7 days/14 days for male and
female workers respectively.
(c) Maternity Benefit (MB)
<http://www.esic.nic.in/maternity_benefits.php> : Maternity Benefit for
confinement/pregnancy is payable for three months, 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 year.
(d) Disablement Benefit
1. Temporary disablement benefit (TDB)
<http://www.esic.nic.in/td_benefits.php> : From day one of entering
insurable employment & irrespective of having paid any contribution
in case of employment injury. Temporary Disablement Benefit at the
rate of 90% of wage is payable so long as disability continues.
2. Permanent disablement benefit (PDB)
<http://www.esic.nic.in/pd_benefits.php> : The benefit is paid at
the rate of 90% of wage in the form of monthly payment depending
upon the extent of loss of earning capacity as certified by a
Medical Board
(e) Dependants' Benefit(DB)
<http://www.esic.nic.in/depandant_benefits.php> : DB paid at the rate of
90% of wage in the form of monthly payment to the dependants of a
deceased Insured person in cases where death occurs due to employment
injury or occupational hazards.
(f) Other Benefits :
Funeral Expenses : An amount of Rs.10,000/- is payable to the dependents
or to the person who performs last rites from day one of entering
insurable employment.
Confinement Expenses : An Insured Women or an I.P.in respect of his wife
in case confinement occurs at a place where necessary medical facilities
under ESI Scheme are not available.

*In addition, the scheme also provides some other need based benefits to
insured workers. *
*Vocational Rehabilitation :*To permanently disabled Insured Person for
undergoing VR Training at VRS.
*Physical Rehabilitation :* In case of physical disablement due to
employment injury.
*Old Age Medical Care :*For Insured Person retiring on attaining the age
of superannuation or under VRS/ERS and person having to leave service
due to permanent disability insured person & spouse on payment of Rs.
120/- per annum.
*Rajiv Gandhi Shramik Kalyan Yojana :* This scheme of Unemployment
allowance was introduced w.e.f. 01-04-2005. An Insured Person who become
unemployed after being insured three or more years, due to closure of
factory/establishment, retrenchment or permanent invalidity are entitled
to :* Unemployment Allowance equal to 50% of wage for a maximum period of
upto one year.
* Medical care for self and family from ESI Hospitals/Dispensaries
during the period IP receives unemployment allowance.
* Vocational Training provided for upgrading skills - Expenditure on
fee/travelling allowance borne by ESIC.
Incentive to employers in the Private Sector for providing regular
employment to the persons with disability :
* Minimum wage limit for Physically Disabled Persons for availing ESIC
Benefits is 25,000/-.
* Employerss' contribution is paid by the Central Government for 3 years.
Benefits & Contributory Conditions :
<http://esic.nic.in/Publications/benefits_cc.pdf>
An interesting feature of the ESI Scheme is that the contributions are
related to the paying capacity as a fixed percentage of the workers
wages, whereas, they are provided social security benefits according to
individual needs without distinction.
Cash Benefits are disbursed by the Corporation through its Branch
Offices (BOs) / Pay Offices (POs), subject to certain contributory
conditions.
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