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he employee state insurance scheme is a social security scheme under the aegis of Employees’ State Insurance Corporation, a division of the Labour and Employment Ministry, Government of India. This scheme provides sickness benefits primarily and also some other benefits to close to 130 million Indians that include insured employees as well as their dependents. In this article, we shall discuss everything about the ESIC scheme and its benefits.

Introduction- ESIC Scheme

This scheme was started in the year 1952. It was a historical decision of the parliament as industrialization in India was in its early stages, and only a few of the manufacturing industries required human capital. The legislation came at a point when the economic situation of the country was at a decline. Therefore developing a multi-dimensional social security system to protect the interests of the working class with statutory provisions was marked as an unprecedented move.

Applicability and Coverage of the ESIC Scheme

This scheme extends to the entire India and covers places of business registered under Factories Act or under Shops and Establishment Act, where 10 or more employees work.

An employee should be mandatorily covered by his employer as long as such employee is within the threshold limit of wages that means all employees whose monthly wages is up to or equal to 21 thousand rupees per month. The employer should get eligible employees covered under this scheme.

The monthly salary limit for coverage under this scheme for employees with disability is 25 thousand rupees per month. The subscriber base has been increasing rapidly as every month large number of new employees joins the labour market and become a member of this scheme.

Benefits of the ESIC scheme

When an employee is registered under this scheme, several benefits are available to the insured employee for the employee as well as for his family members or dependents.

In order to make sure that all eligible people get benefits, ESIC issues 2 insurance card known as the Pehchaan Card. One for the employee and the other for the family members so that both can enjoy benefits.