Hi Everyone,
I am working in a software company, and until April, we were deducting ESI from those employees whose salary was less than 10,000. But now, we are going to start providing mediclaim to all our employees. As far as I know, mediclaim and ESI both serve as health insurances. Now, my question is:
1) As we are going to provide them mediclaim, can mediclaim replace ESI?
2) Are we still liable to pay them ESI? If not, can you tell me the process to close this ESIC? So that we can come out of ESI and instead provide them medical insurance only.
Looking forward to your replies!
Thanks,
Meenakshi
From India, Delhi
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3I am working in a software company, and until April, we were deducting ESI from those employees whose salary was less than 10,000. But now, we are going to start providing mediclaim to all our employees. As far as I know, mediclaim and ESI both serve as health insurances. Now, my question is:
1) As we are going to provide them mediclaim, can mediclaim replace ESI?
2) Are we still liable to pay them ESI? If not, can you tell me the process to close this ESIC? So that we can come out of ESI and instead provide them medical insurance only.
Looking forward to your replies!
Thanks,
Meenakshi
From India, Delhi
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Dear Meena,
We too are facing the same problem in our company. As per the ESI act, ESI is compulsory for all employees who are earning 15000 and below. Therefore, we have decided to provide mediclaim only for those employees who are earning more than 15000. Employees earning 15000 and below are entitled to ESI benefits, while those earning 15000 and above are eligible for mediclaim. Please suggest this to your management.
Thanks.
From India, Madras
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We too are facing the same problem in our company. As per the ESI act, ESI is compulsory for all employees who are earning 15000 and below. Therefore, we have decided to provide mediclaim only for those employees who are earning more than 15000. Employees earning 15000 and below are entitled to ESI benefits, while those earning 15000 and above are eligible for mediclaim. Please suggest this to your management.
Thanks.
From India, Madras
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Hi everyone,
Can anyone explain briefly, please? Is there no connection between ESI and mediclaim? Are we still liable to pay employees ESI and mediclaim both? Seniors, please respond. Waiting for your valuable reply.
Thanks & regards,
Meenakshi
From India, Delhi
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Can anyone explain briefly, please? Is there no connection between ESI and mediclaim? Are we still liable to pay employees ESI and mediclaim both? Seniors, please respond. Waiting for your valuable reply.
Thanks & regards,
Meenakshi
From India, Delhi
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1)There is no relation between ESI & Mediclaim.... 2) ESI can not be replaced by mediclaim, 3) Mediclaim can be done for the employees who salary is more than 15000. Regards rash
From India, Mumbai
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From India, Mumbai
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Hi Meena,
Employers are bound to provide the health insurance for the employee and that is the primary objective of the ESIC act,
When you want to cover your employee's you have to provide over and above of the ESIC coverage, that means the facilities which you provide through mediclaim should be equal or above than that of.
For example I have attached a document in that it says what are all the benefit provided under ESIC coverage, and if you are going to provide other than ESIC it should be at par with these benefit or above.
Hope you might get some clarity.
Regards,
Charan
From United States, Palo Alto
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Employers are bound to provide the health insurance for the employee and that is the primary objective of the ESIC act,
When you want to cover your employee's you have to provide over and above of the ESIC coverage, that means the facilities which you provide through mediclaim should be equal or above than that of.
For example I have attached a document in that it says what are all the benefit provided under ESIC coverage, and if you are going to provide other than ESIC it should be at par with these benefit or above.
Hope you might get some clarity.
Regards,
Charan
From United States, Palo Alto
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Sorry please find the attached document Regards, Charan
From United States, Palo Alto
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From United States, Palo Alto
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Clarification on Employee Medical Coverage
1. Is it mandatory to cover employees under medical coverage who are not covered under ESIC, i.e., those earning above ₹15,000?
2. If so, where can the statute stating the same be referred to?
Please suggest.
Regards,
From India, Mumbai
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1. Is it mandatory to cover employees under medical coverage who are not covered under ESIC, i.e., those earning above ₹15,000?
2. If so, where can the statute stating the same be referred to?
Please suggest.
Regards,
From India, Mumbai
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Dear Meenakshi, please keep in mind that Mediclaim cannot replace the ESI. If your employees are earning a salary up to ₹15,000 per month, you are still liable to contribute towards ESI. Mediclaim has certain benefit caps (benefit limits), whereas ESI does not have any benefit limits. For more details, you can refer to the ESI clause or visit the nearest ESI dispensary. However, if you want an exemption from ESI, your company must provide equal or better facilities to your employees, and a presentation needs to be made in front of ESIC officials.
From India, Surat
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From India, Surat
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