To get EDLI benefit insurance policy is not mandayory.I worked in BRAHMOS tvpm.One employee died when he was not on duty.The EPFO paid the benefit of EDLI.We had never taken an insurance policy for EDLI .
Varghese Mathew

From India, Thiruvananthapuram
I never said E$DLI is meant for death while on duty The case here is the employee joins and meets with an accident on the same day EDLI requires minimum service. Some insurance companies while providing EDLI scheme covers employss from day 1 whereas PF does not say so
From India, Chennai
In your case the employee died inside the factory due to an accident thats why ESI came into picture, but the poster here has not mentioned whether the employee has died due to accident or it was natural death. Whether the employee was a workman or whether he was in managerial post to ascertain his coverage in ESI etc, etc.
When the poster himself does not clarify the exact details, so the reply will be on the assumption basis only.

From India, Ahmadabad

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