Sir(s),
(1) I understand that the appropriate Government (Ministry of Labour & Employment, Central Government) has not so far issued notification of its intention to amend Rule 50 of ESI (Central Rules), 1950 regarding enhancement of wage ceiling under ESI Act, 1948. Therefore, till date the wage ceiling is upto and including Rs.15000/- per month only and has not been enhanced.
(2) The issue of additional medical facilities for employees getting wages within range of Rs. 15001/ to 25000/- is a very relevant issue and this aspect can be raised by the affected persons( i.e. employees, employers and their trade unions/ employers' associations) after the notification of intention will be issued by the appropriate government.
(3) ESI Act, 1948 is a mechanism vide which social security benefits are provided to the employees in cases of sickness, maternity and employment injury etc. It is different than commercial insurance. The provisions of benefits under ESI Act, 1948 has no relevance with IRDA Rules or Medical Insurance Policies as being offered by different commercial Insurance Companies. Further, the level of medical facilities provided by the commercial insurance companies are limited to the extent of contract (for which the premium is to be paid), whereas under ESI Act, 1948 and rules/regulations framed thereunder there is no such limit so far as medical benefit is concerned.