Sickness Benefit :

BENEFIT
ELIGIBILITY CONDITION
DURATION & SCALE OF BENEFIT
Sickness Benefit
Payment of contribution for 78 days in corresponding contribution period of six months
Upto 91 days in two conscutive benefit periods at 70% of avarage daily wages for 91 days in a year
Enhanced Sickness Benefit
Payment of contribution for 78 days in corresponding contribution period of six months
14 Days for Tubectomy & 7 Days for Vasectomy, extendable on medical advice. Rate of payment is 100% of average daily wages.
Extended Sickness Benefit(ESB)
For 34 specified long term diseases.Continuous Insurable employment for 2 years with 156 days contribution in 4 consecutive contribution periods.
124 days which may be extended upto 2 years on medical advice during a period of 2 years in Insurable employment. Rate : 80% of the average daily wages approx.

 

DISABLEMENT BENEFIT:

BENEFIT
ELIGIBILITY CONDITION
DURATION & SCALE OF BENEFIT
Temporary Disablement Benefit (TDB)
From day one of entering Insurable employment and irrespective of having paid any contribution for disablement due to employment Injury.
As long as temporary disablement lasts. Rate : about 90% of the average daily wages approx.
Permanent Disablement Benefit (PDB)
From day one of entering Insurable employment and irrespective of having paid any contribution for disablement due to employment Injury.

For whole life.

Rate: about 90% of the average daily wages depending upon loss of earning capacity.

 

DEPENDENT BENEFIT :

BENEFIT
ELIGIBILITY CONDITION
DURATION & SCALE OF BENEFIT
Dependant's Benefit
From day one entering Insurable employment and irrespective of having paid any contribution in case of death due to employment Injury.
For life to the widow or until her re-marriage. 2 dependant children till the age of 25 years. To dependant parents for life. Rate: about 90% of the average daily wages approx. Shareable in fixed proportion.

 

Maternity Benefit :

BENEFIT
ELIGIBILITY CONDITION
DURATION & SCALE OF BENEFIT
Maternity Benefit
Payment of contribution of 70 days in 2 preceeding contribution period (1 year)
Upto 12 weeks in case of normal delivery. Upto 6 weeks in case of Miscarriage . Extendable by 4 weeks on medical advice. Rate: Almost 100% of the average daily wages.

 

Other Benefits :

BENEFIT
ELIGIBILITY CONDITION
DURATION & SCALE OF BENEFIT
Confinement
An Insured women or an I.P. in respect of his wife in case Expenses for confinement occurs at a place where necessary medical facilities under ESI Scheme are not available.
Upto 2 confinements only . Rate : Rs.5,000/- per case (w.e.f. 01-10-2013)
Funeral Expenses
From day one of entering Insurable employment.
For defraying expenses on the funeral of an Insured Person. Rate: Actual expenses subject to a maximum of Rs.10,000/-.
Vocational
In case of physical disablement due to employment Injury.
As long as vocational training lasts. Rate: Actual fee charged or Rs.123/ a day whichever is higher.
Physical
In case of physical disablement due to employment Injury
As long as a person in an artificial limb centre. Rate: 100% of the average daily wages.
Unemployment allowance (RGSKY)
In case of involuntarily loss of employment due to closure of factory,retrenchment or permanent invalidity due to non-employment injury and the contribution in respect of him have been paid/payable for a minimum of 3years prior to the loss of employment.
Maximum 12 months during life time. Rate : 50% of the average daily wages.
Skill upgradation Training under RGSKY
In case of involuntarily loss of employment due to closure of factory,retrenchment or permanent invalidity due to non-employment injury and the contribution in respect of him have been paid/payable for a minimum of 3years prior to the loss of employment.
For a short duration- maximum upto 6 months.