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The Employees’ State Insurance Corporation (ESIC) is a social security organization in India that provides healthcare, disability, maternity, and insurance benefits to employees earning less than ₹21,000 per month. Funded by employer and employee contributions, ESIC offers financial protection during times of sickness, accidents, and maternity.
The ESIC number is a unique 10-digit identification number assigned to every insured employee registered under the ESIC scheme.Â
This number acts as the employee’s identity in the ESIC system and is required for accessing medical care and other benefits provided by the corporation.
1. Payslip: Many employers provide the ESIC number on the employee’s monthly payslip.
2. ESIC Portal: Log in to the ESIC portal with your username and password to access your account details, including the ESIC number.
3. Employer: Contact your HR or employer to obtain your ESIC number.
ESIC contributions are calculated as a percentage of the employee’s gross salary:
1. Employee Contribution: 0.75% of the gross salary.
2. Employer Contribution: 3.25% of the employee’s gross salary.
For example, if an employee earns ₹20,000 per month, their contribution will be ₹150, and the employer’s contribution will be ₹650, totaling ₹800 deposited in the ESIC account monthly.
You can check your ESIC balance by:
1. Logging into the ESIC portal using your IP number or ESIC number.
2. Navigate to the “Employee” section and view your contribution details, which include the total amount deposited in your ESIC account.
3. Alternatively, you can check the balance by visiting the nearest ESIC office.Â
The ESI Card, also known as the Pehchan Card, is issued to employees covered under the ESI scheme. It serves as a crucial identification document enabling them to avail of medical services and other benefits under the scheme.
To apply for an ESIC card, follow these steps:
1. Your employer should register you under the ESIC scheme with their employer login.
2. Once registered, log in to the ESIC portal using your credentials.
3. Go to the “Employee” section and download the ESIC card (Pehchan Card).
4. You can also collect a physical card from your employer after the registration process.Â
Downloading your ESIC card (also known as the Pehchan Card) is simple:
1. Visit the ESIC Portal and log in using your username and password.
2. Navigate to the “Employee” section and select “Print ESIC Card.”
3. Your ESIC card will be displayed, and you can download it as a PDF for printing or digital use.
The IP number (Insured Person number) in ESIC is another term for the ESIC number.Â
It uniquely identifies an employee in the ESIC system and ensures that the insured person can access healthcare benefits and financial support from the ESIC scheme.
The Employees State Insurance Act, 1948, not only lays the legislative foundation for the ESIC but also plays a pivotal role in ensuring the welfare of employees. It mandates that employers provide essential medical and cash benefits to employees and their families, safeguarding them against various contingencies such as sickness, maternity, disablement, or even death due to employment-related injuries. Consequently, this act serves as a crucial protective measure for workers across the nation.
ESI provides covered employees and their dependents with a variety of benefits, including:
ESI registration becomes mandatory for establishments employing 10 or more employees (or 20 or more in certain states). Registration must be completed within 15 days from the date the Act becomes applicable to the establishment.
Both employers and employees contribute to the ESIC fund. As of now, the employee’s contribution rate is 0.75% of their wages, while the employer’s contribution rate is 3.25% of the employee’s wages, making the total contribution 4%.
Employees who are covered or entitled under ESI when they earn less than Rs. 21,000 per month and Rs. 25,000 in the case of a person who are disabled. Employees contributes 1.75% of their income while the employer contributes 4.75% towards the ESI plan.
To add family members under your ESIC coverage:
1. Log in to the ESIC portal with your credentials.
2. Go to the “Update Family Details” section under your profile.
3. Enter the details of the family member you want to add (name, age, relation, Aadhaar, etc.).
4. Save the changes, and the added family members will be covered under your ESIC policy.Â
To download your ESIC payment receipt:
1. Log in to the ESIC portal using your employer or employee credentials.
2. Go to the “Payment History” section under the relevant tab.
3. Select the period for which you want the payment receipt.
4. Download the ESIC payment receipt in PDF format for recordkeeping or submission purposes.
To download the ESIC challan for payments made by the employer:
1. Log in to the ESIC portal as an employer.
2. Go to the “Challan Generation” section under the payment tab.
3. Select the relevant period for which you want to download the challan.
4. Once generated, the ESIC challan can be downloaded in PDF format.
The Employees’ State Insurance Corporation (ESIC) is a social security organization under the Ministry of Labour and Employment, Government of India.
ESIC provides health insurance and various other benefits such as medical, disability, maternity, and dependent benefits to employees earning less than ₹21,000 per month.
Employees earning wages up to Rs. 21,000 per month are eligible for ESI coverage.
Yes, ESI is applicable pan-India, with variations in certain regulations across states.
Documents such as PAN card, address proof, employee details, and establishment documents are required for ESI registration.