Pregnant and Confused About ESI vs. Insurance: Which Policy Truly Benefits You?

Jitender thakur77

Hello seniors, please advise which policy is more beneficial to a pregnant woman: ESI or the below-mentioned insurance policy?

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saswatabanerjee

Can you please explain the purpose of the above comparison? It is not as if you have a choice in whether you will accept ESIC or not.

ommygautam

Your attachment is self-explanatory. You should opt for ESIC rather than Mediclaim Insurance because insurance offers only limited benefits, whereas ESIC provides a wide range of benefits.

vmlakshminarayanan

Hi, ESI is statutory and not optional, whereas Mediclaim insurance is optional and at the discretion of the employer. While ESI will be beneficial for employees covered under it, Mediclaim will be beneficial for employees who are not covered under ESI.

kumaracme

ESIC is statutory, and a mediclaim policy is optional. We advise taking treatment at ESIC hospitals, which are good and beneficial for your family.

Thank you.

Madhuri19

As already clarified here, ESIC is statutory and offers unlimited benefits. If the company is willing to provide extra coverage for its workforce, it can opt for additional coverage such as mediclaim.

Thanks,

Regards

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