Can anyone guide me if the following understanding on ESIC benefit is in order.

ESIC is applicable only for permanent employees in the rolls of the company.

ESIC covers medical benefit to employees and family.

Death & disability benefit is only for the employee. It does not apply for the family.
In case a dependent is dead, the ESIC does not pay for the same.
In case of employee death, the proceeds are paid to the dependent.

Occupational disease related death and disability is applicable only for the employee and not for the family.

Death & disability benefit is provided if it is only due to employment accident.

No death & disability benefit is provided if it is due to reasons other than employment related.

Maternity benefit is applicable for the employee in case of woman and also spouse of the employee in case of men.

Where do I find the amount of benefits payable?

Vaidehi Desikan
Insurance Consultant
New Member CiteHR

From India, Mumbai

Accounts & HR
Hi Vaidehi,
Please visit the webiste of ESIC given below-
ESIC Home Page
It might clear all your queries....

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