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CATEGORIES OF BENEFITS

What are the benefits that the employees get out of this Scheme ?

The benefits available under the Scheme to the employees can be categorised under two broad heads, viz., cash benefits and non-cash benefit, viz., medical care.

Cash Benefits:

  • Sickness benefit – for employees during the period of sickness
  • Maternity benefit – for employees during the period of confinement
  • Disablement benefit:
    • Temporary disablement benefit: for employees arising out of employment injury
    • Permanent disablement benefit: for employees arising out of employment injury
  • Dependants' benefit – for dependants of employees; in case of death of employee due to employment injury
  • Other benefits:
    • Funeral Expenses – to a person who performs the last rites of the deceased employee
    • Rehabilitation allowance – for employee who is disabled due to employment injury
    • Vocational rehabilitation - for employee who is disabled due to employment injury
    • Medical Bonus – for insured woman / wife of employee during confinement

Medical Care: Employees and their dependants are administered medical care, through ESI dispensaries, hospitals, etc.; in case the requisite facilities are not available in the ESI hospitals, the employees are referred to premier private / government hospitals for medical treatment on 'cashless' basis. The employees / dependants of the employees are also entitled for super specialty treatment, without any ceiling on the cost of medical treatment.

Old age medical care: For retired employee and spouse on payment of Rs.120 per year; the beneficiaries are entitled to all medical facilities available in ESI hospitals (not eligible for referral to & treatment at tie-up hospitals).