Employees' State Insurance: Who Qualifies and What You Get
Learn how this social security scheme provides medical care and sickness benefits for employees earning below a certain monthly threshold.
This scheme is a social security program designed to provide medical and cash benefits to employees during times of sickness or injury.
Who it's for
This scheme is available to employees who earn up to ₹21,000 per month.
What you get
You receive full medical care for yourself and your family members. Additionally, the scheme provides sickness benefits to help support you if you are unable to work due to health reasons.
What it costs you
There is a small deduction from your monthly wages to fund the scheme. You contribute 0.75% of your wages, while your employer pays a larger portion of 3.25%.
The catch to know
While medical care is covered, you may find it difficult to locate an empanelled dispensary (a designated clinic where you can receive care) if you live or work in a newly developing industrial area.
How to apply
- Confirm your monthly earnings fall within the eligibility limit.
- Check with your employer to ensure they are registered for the scheme.
- Obtain your official insurance card to access benefits.
- Visit the official portal for more details: https://www.esic.gov.in