ESIC health insurance for employees
The Employees State Insurance Corporation (ESIC) permits registration through its online portal. An employer can register on this portal with login credentials that will be sent to their email ID. Next, they will have to fill the required details.
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.
How to Register for ESIC Scheme?
Follow the steps mentioned below to register for ESIC scheme:
Step 1: Visit ESIC Portal for registration
Step 2: The employer can click on the 'Employer Login' option present on the home screen to register on the ESIC portal
Step 3: Click on the 'Sign up' button
Step 4: Enter the required details and submit the form
Step 5: The employer will receive the username and password in an email on the registered email ID
Step 6: Click on the 'Employer Login' option present on the home screen and enter the username and password received in the mail
Step 7: Select the 'New Employer Registration' option
Step 8: Choose the 'Type of unit' from the drop-down menu and click on 'Submit'
Step 9: Fill the required details in 'Employer Registration Form 1'
Step 10: After registration, the employer will have to complete the payment.
How to Log in to the ESIC Portal?
Follow the steps mentioned below to login on ESIC portal:
Step 1: Visit ESIC Portal
Step 2: Click on "Skip to Main Content"
Step 3: Click on "Employer Login"
Step 4: Enter the username and password
Step 5: Enter the 'Captcha'
Step 6: Click on 'Login'
What Are the Eligibility Criteria to Apply for the ESIC Scheme?
The eligibility criteria for ESIC scheme are as follows:
- Non-seasonal establishment or factory having minimum 10 employees (in some states it is 20)
- The maximum salary of the employees is Rs.21,000
Under the ESIC scheme, the employee contributes 0.75% of his monthly salary and the employer contributes the remaining 3.25% of the total monthly salary. Only the employees having a salary of less than Rs.176 per day will be exempted from making contributions.
What Documents are Required for the ESIC Scheme?
The documents below are required to apply for the ESIC scheme:
- Registration Certificate obtained under the Factories Act or Establishment and Shops Act
- Registration Certificate in case of a company, and partnership deed in case of firm
- Address proof of the establishment
- Memorandum of association and articles of association of the company
- List of all employees and their compensation details
- A cancelled cheque of the bank account of the company
- List of shareholders
- PAN Card of the business
- Attendance list of all the employees
ESIC Coverage Chart: Benefits for Employers & Employees
Particulars | Count |
No. of insured people/family units | 3.39 crore |
No. of employees | 2.46 crore |
Total No. of beneficiaries | 13.16 crore |
No. of insured women | 16.63 lakh |
No. of Employers, etc | 14.82 lakh |
Features and Benefits of the ESI Scheme
- The employee's contribution rate is 0.75% of the wages and that of employer's is 3.25% of the wages paid/payable in respect of the employees in every wage period
- 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.
Contribution Periods and Their Corresponding Cash Benefit Periods
Contribution Period | Cash Benefit Period |
1 April to 30 Sept | 1 Jan of the next year to 30 June |
1 Oct to 31 March of the year following | 1 July to 31 December |
Who Can Avail of the Benefits of This 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
- Shops
- Restaurants and hotels who are involved in sales
FAQs on ESIC Portal
- Is it compulsory for employers to register under ESI?
Yes, employers who are covered under the ESI Act need to register themselves under the ESI scheme. Companies or organizations which have over ten employees (in some states it is 20 employees) with a maximum salary of Rs.21,000 per month are provided coverage under the ESI Act. They need to register with the ESIC within 15 days from the time the company is covered under the ESI Act.
- How to check ESI registration of an employee online?
An employee of a company or a factory registered with the ESIC can check their ESI registration information with the insurance number given to them at the time of ESIC registration. They should visit the official portal of ESIC, click on the ‘Insured Person Login’ button and enter the user number and captcha code. The insurance number is the user number of an employee.
- What is ESI Code number?
Employers and employees in India who are covered by the Employee State Insurance Act are given a 17-digit unique identifying number called an ESI (Employee State Insurance) Code Number. A social security and health insurance program for Indian workers is called the ESI Act. Employers that are subject to the ESI Act must register with the ESIC. A unique ESI Code Number is given to the employer after registration. For all ESI-related transactions and compliance, this number, which is particular to each employer, is used as a reference.
- How can I login to ESIC?
Any employer which has ten or more employees should register themselves within 15 days at the ESIC. The registration can be done at the ESIC’s official portal. At the beginning of the registration process, employers are issued with a 17-digit code as well as ESIC certificates in the email ID. The employers can use credentials such as Labour Identification Number and Password to login to the portal. Once you login to the portal, you will see ‘Services’ situated on the left side of the screen. Click on the ‘Services’ and select ‘Employer’ and ‘Employer Portal’.
- 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.
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