The ESI Scheme provides following benefits to the Insured Persons:-
(i) Medical Benefit: The Scheme provides for full and comprehensive medical treatment to the IPs. and their families including hospitalization, referral treatment and supply of artificial limbs, dentures etc. This benefit is available to the IP’s his family without any contributory condition from the date he enters insurable employment and is continued thereafter subject to fulfillment of contributory condition of contribution for 78 days in a contribution period of 6 months.
(ii) Sickness Benefit: Under the Scheme the IP is entitled to Sickness Benefit for 91 days in a year to the extent of 60% of his wages. This is extended upto 2 years in the case of chronic illness and rate of payment of benefit is about 70% of his wages. For this benefit the IP is required to have contributed to the Scheme at least for 78 days in a 6 monthly contribution period.
(iii) Maternity Benefit: The Scheme provides for payment of maternity benefit on full rate of the standard benefit for 12 weeks plus additional one month's wages in the case of illness arising out of pregnancy, delivery etc. The insured woman is required to have contributed for 70 days in proceeding two contribution periods for entitlement to maternity benefit.
(iv) Disablement Benefit: In the case of disablement due to employment injury including occupational diseases the IP is entitled to payment of periodical benefit at about 75% of his wages during the period the IP is abstaining from work for treatment. There is no contributory condition for this benefit. After the treatment is over, if there is any residuary permanent disablement, a Medical Board decides the daily rate of compensation as a percentage of the full rate.
(v) Dependant Benefit: In the case of death due to employment injury the family is entitled to payment of dependant benefit at the rate about 75% of his wages. There is no contributory condition for this benefit.
(vi) Funeral Expenses: In the case of the death of the IP a sum of Rs.5000/-( is paid for meeting the funeral expenses.
(vii) Rajiv Gandhi Shramik Kalyan Yojana (Unemployment Allowance Scheme): The Rajiv Gandhi Shramik Kalyan Yojana was introduced w.e.f. 01.04.2005. Under the Scheme, employees covered under the Scheme who lose their employment due to closure of factories/ establishments, retrenchment or permanent invalidity are entitled Unemployment Allowance equal to 50% of their wage for upto one year.