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The Employees State Insurance Act-1948

The Government of India has introduced a scheme of health insurance for all workers and made it an Act on 19th Apr. 1948 to provide certain health and treatment benefits to the employees in case of sickness, maternity and employment injury. The ESI Scheme is administered by a corporate body called the ‘ESIC’. ESIC works according to the rules and regulation stipulated by ESI act, 1948. Employees State Insurance Corporation is self financing social security & health insurance scheme for the Indian employees / workers.
Objectives of ESIC scheme are:
  • To protect the employee in the organization against the events of sickness, disablement, maternity and death due to employment injury.
  • To provide medical care to the insured employee and their family.
Important Provisions of the Act
Employees in commercial service and industrial sectors drawing wages upto Rs.15000/- per month are entitled to health insurance cover under the ESI Act.
Contributions : The share of contribution of the employee and the employer for ESI is 1.75% and 4.75% respectively of the gross salary of the employee.
Benefits : The following benefits are entitled to the member under the scheme :-
  • Medical : Insured employees and their dependents are entitled to full medical care from day one of taking up employment in any establishment covered under the ESI Act 1948.
  • Sickness : Cash allowance is paid to the insured employees to compensate for the loss of wages in the event of sickness. It is admissible for 91 days in a year and cash allowance is equal to 50% of the wages.
  • Maternity : For women employees in the event of confinement due to child birth or miscarriage full wages for 12 weeks are paid.
  • Disability : In case of temporary disability due to employment injury an employee is paid 70% of his wages. In case of permanent disability, the benefit is decided by a medical board.
  • Dependents of Deceased : Dependents are given family pension in the event of the death of the member which is about 70% of the wages.
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