FREQUENTLY ASKED QUESTIONS
1. What is ESIC biometric/pehchan card?
Pehchan Card is a multi purpose plastic magnetic identification card to be issued to Insured Persons in place of existing conventional paper cards. Two identical cards will be issued, one for the use of the insured person and the other for the use of dependants / family members of the insured person.
2. What are its uses?
The Pehchan Card can be used broadly
To avail medical treatment at any ESI Hospital / Dispensary across the country.
To claim and draw cash benefits at any ESI Branch Office across the country.
To have an interface with any ESI institution.
3. When will the Pehchan Card be issued?
Pehchan Card will be issued after necessary registration and capturing of biometric details of the insured persons and their eligible family members. The process can be easily explained as:
4. How many cards are issued?
A person once registered need not register again in case of change employment. The same registration can be transferred from one place to another. The employee can draw his cash benefits from any of the ESI Branch Office throughout the country. Two sets of cards will be delivered/issued- one for the use of the employee and other for use of their respective dependents.
5. What are the key benefits of the ESIC biometric card?
All Insured Person(IP) will be issued with two magnetic cards, one for the IP and the other for the family members.
Central database will be created with demographic and biometric details of IP and their families.
IP and their family members can avail treatment in any ESI Hospital or dispensary across India.
One time registration. Employees will carry forward with same set of cards every time they change employment.
6. What is registration of an Insured Person(IP)?
Registration is the process of obtaining and recording information about the entry of an employee into insurable employment, for the purpose of his identification under the Act.
7. How are employees registered under the scheme?
At the time of joining the insurable employment, an employee is required to fill in the declaration form (Form I) and submit a family photo in duplicate to the employer. The employee is then allotted an insurance number for the purpose of his identification under the scheme and issued a temporary identity card for availing medical benefits for self and family for a period of three months. Thereafter, he is provided with a permanent photo identity card. A person once registered need not register again in case of change employment. The same registration can be transferred from one place to another. The employee can draw his cash benefits from any of the ESI Branch Office throughout the country.
8. What are 'Contribution Periods' and 'Benefit Periods?
Workers, covered under the ESI Act, are required to pay a contribution towards' the scheme on a monthly basis. A contribution period means a six-month time span from 1st April to 30th September and 1st October to 31st March. Thus, in a financial year there are two contribution periods of six months duration.
Cash benefits under the scheme are generally linked with contributions paid. The benefit period starts three months after the closure of a contribution period.
9. What are benefits available under ESI Scheme?
The various benefits available under the Scheme are:
Permanent Disablement Benefits
Temporary Disablement Benefits
10. What are the benefits available to family?
Family members are also entitled to full medical care as and when needed.
The family members are also entitled to artificial limbs, artificial appliance etc. as a part of medical treatment.
The medical benefit is also admissible to the family during the period the insured person is in receipt of unemployment allowance. In case he dies during the period, his family continues to receives the medical benefits till the end of those twelve months.
Reimbursement of expenditure incurred on the funeral of the deceased employee.
In case of the death of the insured employee due to employment injury, the spouse, widowed mother and children are entitled to dependants benefits.
Any benefit due to the insured employee at the time of death is paid to the nominee.
11. What are the benefits available after retirement?
An insured person who leaves the insurable employment on attainment of the age of superannuation or retires under a Voluntary Retirement Scheme or takes premature retirement, after being an insured person for not less than 5 years, shall be eligible to receive medical benefit for himself and his spouse subject to production of proof thereof, and payment of a nominal c contribution of Rs. 120/- for one year. In case the insured person expires, his spouse is entitled to the medical benefit for the remaining period for which the contribution was made, and she can continue to receive the medical benefits on payment of the contribution @ Rs. 120/- p.a. for further period.