The Employees’ State Insurance Corporation (ESIC) is an independent entity that is dedicated to providing funds for the Employees’ State Insurance (ESI) scheme. The ESIC has a good online portal that offers exclusive services for employees and employers. The web portal of the Employees’ State Insurance Corporation (ESIC) is user-friendly and informative.
The ESI scheme is governed by the Employees' State Insurance Act, 1948 (ESI). It primarily aims to take care of the medical requirements of employees when there is a loss of wages due to eventualities related to health. It is a statutory entity that was set up under the Ministry of Labour and Employment.
The ESI scheme is a scheme that intends to financially help employees when they go through financial hassles due to events such as disablement, occupational disease, illness, or death because of employment injuries. Any firm with 10 or more employees has to mandatorily complete the ESIC registration.
The official web portal of the ESIC has a separate segment for the services offered by them. The services are broadly classified into employee-related services and employer-related services.
Under the category for employees, the services that are provided by the ESIC include:
The IP Portal [Insured Person Portal] is an external link that can be accessed by any user. It is a portal that is designed exclusively for employees. The steps to log in to this portal are given below:
If you want to see the tie-up hospitals associated with the ESIC, you can view them on the portal. There are ESIC hospitals in different cities across various states in the country. To see the tie-up hospitals, you need to follow the below-mentioned steps:
The scale of medical benefit refers to the level of treatment that is prescribed to insured persons and family members of the insured persons. This prescription is provided as per Section 57 of Act along with Section 58(1 & 3) of Act under State Medical Benefit Rules.
An insured person and his or her family member is not allowed to claim any medical treatment above this prescribed level.
Insured persons are allowed to get treated in ESI hospitals, dispensaries, recognised institutions, and diagnostic centres. As a beneficiary of the ESIC scheme, an insured person is entitled to receive outpatient treatment, consultation with specialists, in-patient treatment, domiciliary treatment, drugs dressings, artificial limbs, aids, and appliances for free, laboratory services, ambulance service, immunisation, integrated family welfare, medical certification, and special provisions.
Family members of insured persons are entitled to full medical treatment, which refers to all services provided to IPs, and this includes hospitalisation. The family members can also get ‘expanded medical care’, which refers to every facility excluding hospitalisation. A few IPs residing in Bihar and Gujarat belong to this particular classification.
Under the category for employers, the services that are provided by the ESIC include:
In order to sign up to the ESIC portal, you will be required to follow the steps given below:
The different types of services that are provided on the ESIC portal include:
You may visit the ESIC website for more information on how to avail the various services provided by the organisation.
According to reports, there have been some cuts in the contribution rate towards the Employees’ State Insurance Corporation (ESIC). Following this cut, Union Minister, Mr. Santosh Kumar Gangwar, has assured that the contribution rate cut in the scheme shall not, in any way, affect the benefits to be received by those insured under the scheme, while emphasizing that sufficient funds lie with Employees’ State Insurance Corporation (ESIC).
The contribution towards the ESI was recently reduced from 6.5% to 4%. In light of this, empployers have to now contribute 3.25% of salary that is payable to an employee, while the contribution of the employee is now set at 0.75%, instead of the previous rate of 1.75%. These revised cuts in contribution came into effect starting 1 July 2019.
Speaking ahead of the announcement of the rate cuts, the Minister of State for Labour and Employment also mentioned that this move is sure to aid in lowering the burden on not only employers but also employees. It will also help in increased compliance of the ESI scheme, improve its coverage, and also help in bringing about more ease of conducting business. Mr. Gangwar assured that all those who are insured under the scheme, as well as their family members, shall continue to receive all benefits under the scheme.
31 July 2019
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