Employees’ State Insurance Scheme (ESIS)
The ESIS was first introduced in 1948 and is one of the oldest social security schemes in India. The scheme is applicable to all non-seasonal factories employing 10 or more persons, as well as to certain other establishments such as shops, hotels, road transport undertakings, and educational institutions.
The ESIS is financed by contributions from employers and employees. The rate of contribution by employer is 4.75% of the wages payable to employees. The employees’ contribution is at the rate of 1.75% of the wages payable to an employee.
The ESIS provides a comprehensive range of benefits to employees, including:
- Medical care: The ESIS provides comprehensive medical care to insured persons and their dependents. This includes in-patient and out-patient treatment, diagnostic tests, and medicines.
- Cash benefits: The ESIS provides cash benefits to insured persons in case of sickness, maternity, and disablement. These benefits are payable at a rate of 70% of the insured person’s average daily wages.
- Funeral benefits: The ESIS provides a funeral benefit of Rs. 10,000 to the family of an insured person who dies.
- Old age pension: The ESIS provides an old age pension to insured persons who have retired and are not in receipt of any other pension. The pension is payable at a rate of Rs. 1,000 per month.
- Survivors’ benefits: The ESIS provides survivors’ benefits to the family of an insured person who dies. These benefits include a lump sum payment and a monthly pension.
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To be eligible for ESIS coverage, an employee must:
- Be employed in a factory, mine, or other establishment covered by the scheme
- Earn a minimum monthly wage
- Be a citizen of India
If you are an employee and you are interested in enrolling in the ESIS, you can contact your employer or the nearest ESI office.
The ESIS is a valuable social security scheme that provides much-needed protection to employees. If you are an employee, I encourage you to enroll in the scheme and take advantage of the benefits that it offers.
Is Employment State Insurance Scheme available in kerala ?
Yes, the Employment State Insurance Scheme (ESIS) is available in Kerala. The ESI Corporation has a regional office in Thrissur, as well as sub-regional offices in Ernakulam, Kollam, Kozhikode, and Thiruvananthapuram. There are also 29 branch offices spread across the state.
The ESIS provides a comprehensive range of benefits to employees, including:
- Medical care
- Cash benefits for sickness, maternity, and disablement
- Funeral benefits
- Old age pension
- Survivors’ benefits
To be eligible for ESIS coverage, an employee must:
- Be employed in a factory, mine, or other establishment covered by the scheme
- Earn a minimum monthly wage
- Be a citizen of India
If you are an employee in Kerala and you are interested in enrolling in the ESIS, you can contact your employer or the nearest ESI office.
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