If any of location is exempted from ESIC, then you need to provide the benefits under the Workmen compensation Act.
you may refere the any of Insurance company & check out for Groupd Insurance, Grp. personal accident policy, Grp. Mediclaim policy, etc.
From India, Mumbai
One of our employee died in an accident (on duty) and one is admitted in hospital for treatment. I need to know what all the applicability for ESI and the benefits available for road accidents.
Kindly help me in this regard.
From India, Tirupur
For Died case below are mentioned the benefits are available under the ESIC.
Dependants' Benefit(DB) : DB paid at the rate of 90% of wage in the form of monthly payment to the dependants of a deceased Insured person in cases where death occurs due to employment injury or occupational hazards.
(f) Other Benefits :
Funeral Expenses : An amount of Rs.10,000/- is payable to the dependents or to the person who performs last rites from day one of entering insurable employment.
Confinement Expenses : An Insured Women or an I.P.in respect of his wife in case confinement occurs at a place where necessary medical facilities under ESI Scheme are not available.
For accident case below are mentioned the benefits are available under the ESIC.
a) Medical Benefit : Full medical care is provided to an Insured person and his family members from the day he enters insurable employment. There is no ceiling on expenditure on the treatment of an Insured Person or his family member. Medical care is also provided to retired and permanently disabled insured persons and their spouses on payment of a token annual premium of Rs.120/- .
1.System of Treatment
2.Scale of Medical Benefit
3.Benefits to Retired IPs
4.Administration of Medical Benefit in a State
9.Artificial Limbs & Aids
(b) Sickness Benefit(SB) : Sickness Benefit in the form of cash compensation at the rate of 70 per cent of wages is payable to insured workers during the periods of certified sickness for a maximum of 91 days in a year. In order to qualify for sickness benefit the insured worker is required to contribute for 78 days in a contribution period of 6 months.
1.Extended Sickness Benefit(ESB) : SB extendable upto two years in the case of 34 malignant and long-term diseases at an enhanced rate of 80 per cent of wages.
2.Enhanced Sickness Benefit : Enhanced Sickness Benefit equal to full wage is payable to insured persons undergoing sterilization for 7 days/14 days for male and female workers respectively.
(c) Disablement Benefit
1.Temporary disablement benefit (TDB) : From day one of entering insurable employment & irrespective of having paid any contribution in case of employment injury. Temporary Disablement Benefit at the rate of 90% of wage is payable so long as disability continues.
2.Permanent disablement benefit (PDB) : The benefit is paid at the rate of 90% of wage in the form of monthly payment depending upon the extent of loss of earning capacity as certified by a Medical Board
From India, Mumbai