The Employees’ State Insurance Corporation (ESIC) is an autonomous statutory body under the Ministry of Labour and Employment, Government of India. It is responsible for funding the Employees’ State Insurance (ESI) scheme which is a health scheme specially created for workers in India. The scheme is self-financed and provides social security for workers in the organised sector in times of medical exigencies like sickness, permanent or temporary physical disablement, maternity, death due to employment injury leading to loss of earning capacity or wages.
The ESIC manages the funds for Employees’ State Insurance (ESI) scheme as per the rules and regulations stipulated in the ESI Act, 1948. The act was created initially for factory workers but has now been extended to all firms or establishments employing 10 or more workers.
Coverage Chart of ESIC as of 31 March 2018
|No. of insured people/family units||3.43 crore|
|No. of employees||3.11 crore|
|No. of beneficiaries||13.32 crore|
|No. of employers||10.33 lakh|
|No. of insured women||45.42 lakh|
Features and Benefits of the ESI Scheme:
- The contribution of the employer is 4.75% while the employee contributes 1.75% towards the ESI scheme. This benefit is for all employees earning less than or equal to Rs.21,000 per month.In case of an individual with disability, the amount is Rs.25,000
- Beneficiaries enrolled under the scheme are eligible to avail medical treatments for themselves and their family.
- Women beneficiaries can enjoy maternity benefits under the ESI scheme.
- Dependents are eligible for a disablement benefit and pension in case of employment related death or disablement.
- 1,418 ESI dispensaries are available for beneficiaries for outpatient medical facilities.
- In-patient care can be availed at 145 ESI hospitals housing 19,387 beds.
How can One Register for the ESI scheme?
The establishment or firm that employs more than 10 workers is responsible for registration under the ESI scheme. The entire registration process can be done online through the ESIC portal - www.esic.in. Once the employer submits the requested information on the portal, a 17-digit code number will be generated automatically. The employer can print a copy of the registration letter which will also be sent to the email address of the employer, along with the ESIC login credentials (user ID and password). The registration letter need not be physically signed and employers can use it as a valid proof of registration.
Using the ESIC login credentials, the employer can login to the ESIC portal and carry out online activities which include filling up the details of the employees. The mandatory fields are marked with an asterisk. If the employer faces any difficulty while registering, they can get in touch with the ESIC IT helpdesk at - email@example.com.
Organisations registered under the ESI scheme should keep a record of the following:
- Wages register
- Attendance register
- Inspection book
- Accident register
- File containing all returns submitted and monthly challans
Before registering, the employer needs to obtain the below documents and submit it along with the registration form:
- Documents relating to the constitution of the firm/factory/establishment
- List of Directors/Partners and their addresses
- Evidence supporting the date of commencement of the business/production
- PAN card copy
- Address proof
The ESIC portal makes the registration process for the ESI scheme simple and hassle-free. The employer just needs to login to the portal using the ESIC login credentials and fill up the necessary information.
FAQS Related to ESIC Portal and ESIC Login
Is it compulsory for employers to register under the ESI scheme?
Yes, it is mandatory for employers to register under the ESI Act.
What is the maximum salary that an individual can earn to be eligible for the ESI scheme?
An individual’s monthly salary must not be more than Rs.21,000 to be eligible for the ESI scheme. However, the maximum salary is Rs.25,000 for individuals with a disability.
When should the contribution towards the scheme be made by?
Contributions towards the scheme must be made within 21 days from the month’s last date.
Who can avail the benefits of the ESI scheme?
The different establishments that can avail the benefits of the ESI scheme are mentioned below:
- Educational institutions (private)
- Road transport establishments
- Newspaper establishments
- Theatres and cinemas
- Restaurants and hotels who are involved in sales
Can I claim the amount in case I have taken treatment from a private hospital?
No, treatment must be taken at ESIC dispensaries and hospitals.