ESI Scheme

 1. Sickness Benefit (SB): 

Sickness Benefit in the form of cash compensation at the rate of 70 per cent of wages is payable to insured workers during the periods of certified sickness for a maximum of 91 days in a year. In order to qualify for sickness benefit the Insured Person is required to contribute for 78 days in a contribution period of 6 months.

The diseases covered include TB, Leprosy, AIDS, chronic empyema, malignancies etc.

2. Extended Sickness Benefit (ESB): 

SB extendable up to two years in the case of 34 long-term and malignant diseases at an enhanced rate of 80 per cent of wages.

3. Enhanced Sickness Benefit: 

Enhanced Sickness Benefit equal to full wage is payable to insured persons undergoing sterilization for family planning up to 7 days for Vasectomy and 14 days for Tubectomy.

4. Maternity Benefit (MB): 

Maternity Benefit for confinement / pregnancy is payable for Twenty Six (26) weeks, which is extendable by further one month on medical advice at the rate of full wage subject to contribution for 70 days in the preceding Two Contribution Periods.

5. Disablement Benefit:

Temporary disablement benefit (TDB): From day one of entering insurable employment & irrespective of having paid any contribution in case of employment injury. Temporary Disablement Benefit at the rate of 90% of wage is payable so long as the disability continues.

Permanent disablement benefit (PDB): The benefit is paid at the rate of 90% of wage in the form of monthly payment depending upon the extent of loss of earning capacity as certified by a Medical Board.

6. Funeral Expenses: 

An amount of Rs.15,000/- is payable to the dependents or to the person who performs last rites from day one of entering insurable employment.

7. Confinement Expenses: 

An Insured Women or an I.P.in respect of his wife in case confinement occurs at a place where necessary medical facilities under ESI Scheme are not available.

8. Vocational/physical rehabilitation: 

This is generally payable to permanently disabled employees. They can avail of this benefit for undergoing vocational and physical rehabilitation.