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ESIC is the country's first multi-dimensional social security system for workers in the organized sector, introduced in 1952

ESIC covers a total beneficiary population of more than 355 lakhs today

ESIC has the countrys largest medical infrastructural facility under one umbrella

ESIC is the most affordable social security system with the lowest contribution rate for multiple health insurance benefits.

ESIC is the only health insurance scheme that offers full medical care to workers and their dependants without any ceiling on individual expenditure

ESIC offers a special package of full medical care to retired/disabled insured persons for self and spouse for a nominal contribution of Rs. 120/- per annum

ESIC offers a special package of full medical care to retired/disabled insured persons for self and spouse for a nominal contribution of Rs. 120/- per annum

DEPENDENTS-BENEFITS (Section 52 of the ESI Act)

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

A widow can receive this benefit on a monthly basis for life or till her re-marriage.
A son or daughter can receive this benefit till twenty five years of age.
Other dependants like parents including a widowed mother etc. can also receive this benefit under certain conditions.
The first instalment is payable within a maximum of three months following the death of an insured person and therefore, on a regular monthly basis.

The dependants ’ benefit is payable to the dependants as per Section 52 of the Act read with provision of 6(A) of Section 2 in cases where an IP dies as result of Employment Injury (EI). The age of dependants, has to be determined either by production of Documentary evidence as specified in Regulation 80(2) or Age certified by Medical Officer In charge of Government Hospital or Dispensary.


The minimum rate of DB w.e.f 1.1.90 is Rs.14/- per day and these rates of the DB are increased from time to time. The latest enhancement is with effect from 01.08.2007

NOTES:

Section 60 of the ESI Act provides that ESI benefits are not assignable or attachable.
Section 65 of the ESI Act specifies that where a person is entitled to more than one benefit he/she shall be entitled to choose which benefit he/she shall receive.

Section 71 of the ESI Act states that a benefit is payable upto and including the day of death.

 


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