Dear all,
The ESI scheme provides full coverage even while going to your work place or returning to your home but the accident report must have been filed within the specified time limit which is now quite late / delayed.
Even with specific reason of unawareness as the accident took place outside the establishment / factory, you can submit accident report through your employer which can be accepted by the local office with the approval of concerned regional office. In that event, your benefit rates for absence will be increased from general sickness to employment injury.
The second option is to attend the ESIC dispensary and get your self referred to designated hospital and you will get reimbursement of medical bills and wages on ordinary sickness benefits rates.
P K Sharma