Under ESI Scheme, the comprehensive and need
based package of Social Security Benefits in
Cash and kind include the following:
A.
MEDICAL-BENEFITS
Insured persons
and their dependants are entitled to full
medical care from day one of taking up
employment in any factory or establishment
covered under the ESI Act 1948. The
comprehensive package includes primary
medical care, specialist and diagnostic
services, in-patient care with provision for
all super specialist facilities.
Sickness
Benefit is paid in cash to the insured
persons to compensate their loss of wages in
the event of sickness certified by an
authorized medical officer. It is admissible
for 91 days in an year and the cash benefit
is equal to 50% of the wages.
Maternity
Benefit is admissible to insured women in
the event of confinement or miscarriage etc.
for 12 weeks and the rate of about 100
percent of the wages
Temporary
Disablement benefit is paid in cash till the
incapacity due to employment injury lasts at
the rate of 70% of the wages. In case of
permanent physical disablement due to
employment injury or occupational disease,
disablement benefit is paid for life at a
rate proportionate to loss of earning
capacity as determined by the medical board.
Dependants
benefit is paid as family pension to the
dependants of a deceased insured person in
the event of death due to employment injury
or occupational disease and is equivalent to
about 70% of the wages.
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