How Should We Support Employee Welfare Without ESI Hospital Facilities in Machilipatnam?

We are India's largest salt manufacturers, and we have operations in different parts of the country. I am working as a Human Resource Executive in a salt refinery. Our project is in Machilipatnam (Andhra Pradesh), which does not have an ESI hospital facility. Therefore, we are not providing ESI benefits to the employees. Instead, we need to allocate funds for staff welfare.

If any location is exempted from ESIC, then you need to provide benefits under the Workmen's Compensation Act. You may refer to any insurance company and check for Group Insurance, Group Personal Accident Policy, Group Mediclaim Policy, etc.

Regards,
Tushar Swar

One of our employees died in an accident (on duty), and another is admitted to the hospital for treatment. I need to know the applicability of ESI and the benefits available for road accidents. Kindly assist me in this matter.

For a deceased case, below are the mentioned benefits available under the ESIC.

Dependents' Benefit (DB): DB is paid at the rate of 90% of the wage in the form of a monthly payment to the dependents of a deceased insured person in cases where death occurs due to employment injury or occupational hazards.

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 woman or an I.P. in respect of his wife in case confinement occurs at a place where necessary medical facilities under the ESI Scheme are not available.

For an accident case, below are the mentioned benefits available under the ESIC.

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/-.

System of Treatment:

• Scale of Medical Benefit

• Benefits to Retired IPs

• Administration of Medical Benefit in a State

• Domiciliary Treatment

• Specialist Consultation

• In-Patient Treatment

• Imaging Services

• Artificial Limbs & Aids

• Special Provisions

Sickness Benefit (SB): Sickness Benefit in the form of cash compensation at the rate of 70% 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.

Extended Sickness Benefit (ESB): SB extendable up to two years in the case of 34 malignant and long-term diseases at an enhanced rate of 80% of wages.

Enhanced Sickness Benefit: Enhanced Sickness Benefit equal to the full wage is payable to insured persons undergoing sterilization for 7 days/14 days for male and female workers respectively.

Disablement Benefit:

• 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 the wage is payable so long as disability continues.

• Permanent Disablement Benefit (PDB): The benefit is paid at the rate of 90% of the wage in the form of a monthly payment depending upon the extent of loss of earning capacity as certified by a Medical Board.

I believe your area is covered under ESIC. Please review the link below - [Your Company Name](http://www.ieg.gov.in/IMS/d115n.htm).

Regards,