In India, the Employees' State Insurance Corporation (ESIC) plays a crucial role in providing health insurance coverage to millions of employees and their families. Understanding ESIC's services and benefits is essential for ensuring access to quality healthcare. This comprehensive guide will help you navigate the intricacies of ESIC in NIC (National Informatics Centre), empowering you to make informed decisions about your health insurance needs.
Established in 1948, ESIC is a statutory body under the Ministry of Labour and Employment. Its primary objective is to provide comprehensive medical care, cash benefits, and other services to insured employees and their dependents.
Eligibility:
Employees earning up to INR 21,000 per month who are engaged in non-seasonal factories or establishments with 10 or more workers are eligible for ESIC coverage.
Contribution:
ESIC contribution is shared between employees and employers. The contribution rate is currently 4.75% of covered wages.
Medical Benefits:
Cash Benefits:
The National Informatics Centre (NIC) serves as a technological interface between ESIC and its stakeholders. Through the NIC portal, insured individuals can:
To access ESIC services, insured individuals must obtain an ESIC card by registering at their local ESIC office. The registration process requires submission of personal and employment details, along with relevant documents.
Statistic | Value |
---|---|
Number of Insured Persons | 2.6 Crores |
Number of ESIC Hospitals | 150+ |
Number of ESIC Dispensaries | 2,400+ |
Total Benefits Paid in 2022-23 | INR 6,000 Crores |
Pros:
Cons:
If you are eligible for ESIC coverage, take advantage of this valuable benefit. Register for ESIC, track your contributions, and utilize the services provided to ensure your healthcare needs are met. By understanding ESIC and leveraging its services, you can make informed decisions about your health insurance and secure the best possible healthcare for yourself and your family.
Facility | Number |
---|---|
Hospitals | 150+ |
Dispensaries | 2,400+ |
Panel Hospitals | 2,000+ |
Specialist Clinics | 500+ |
Physiotherapy Centers | 300+ |
Benefit | Amount |
---|---|
Sickness Benefit | 70% of monthly salary |
Maternity Benefit | 100% of monthly salary |
Disablement Benefit | Up to 90% of monthly salary |
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