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Employees State Insurance
Employees State Insurance
The Employees' State Insurance (ESI) is a social security and health insurance scheme in India. It is administered by the Employees' State Insurance Corporation (ESIC), which is an autonomous body under the Ministry of Labour and Employment, Government of India. The ESI scheme provides medical, monetary, and other benefits to eligible employees and their dependents.
Here are some key points about the Employees' State Insurance (ESI) in India:
- Coverage: The ESI scheme covers employees working in factories, establishments, or organizations with 10 or more employees (20 or more in some states) where the ESI Act is applicable. The scheme also applies to certain specified categories of employees, such as drivers, cleaners, and those working in mines, plantations, and construction sites.
- Contributions: Both the employer and the employee make contributions towards the ESI scheme. The current contribution rates are 4% of the employee's wages for the employee and 1.5% of the employee's wages for the employer. The wages include basic pay, dearness allowance, and other allowances, excluding overtime pay.
- Benefits: The ESI scheme provides a range of benefits to covered employees and their dependents. These benefits include medical benefits, cash benefits during sickness or temporary disablement, maternity benefits, and benefits in case of employment-related injuries or death. The scheme also offers funeral expenses and rehabilitation benefits.
- Medical Facilities: Under the ESI scheme, employees and their eligible dependents are entitled to medical facilities at ESI dispensaries, hospitals, and clinics. The medical benefits include outpatient treatment, inpatient care, specialist consultations, diagnostic tests, medicines, and surgeries, among others.
WHAT WE DID
It's important to note that the specific provisions and details of the Employees' State Insurance scheme may vary from country to country. The information provided above specifically pertains to the Employees' State Insurance scheme in India.