Sir(s),
The benefits under Employees' State Insurance Act and rules/regulations framed thereunder are to be availed in the contingencies of sickness, maternity and employment injury. The provision of medical benefits is one of benefits out of other benefits. In my opinion, in present day high costs of medical facilities, it will not be proper to say that ESI medical services are mere waste. Medical facilities are also available to the family of the Insured Person.
If there are any shortcomings in the ESI medical services to which an Insured Person is attached, he can approach appropriate authorities including IMO incharge of dispensary as well as Medical Supdtt. of Hospital for improvement.
It is further added that as per Rule 52 of ESI (Central) Rules, 1950 the employees getting average daily wages upto and inclusive of Rs.100/- are exempted from payment of their 1.75% contribution.
With regards;