Employee Medical Benefits Beyond ESIC: What Are Employers' Responsibilities?

Dear all, Please guide me on what measures can be taken to provide medical facilities to an employee whose salary exceeds the ESIC limit of 21,000/-. Secondly, what are the employer's obligations in this situation?

Regards

If not covered under ESIC due to wages above the coverage limit, the organization should obtain insurance in lieu of the EC Act. As an extra legal facility, the organization may obtain Group Mediclaim, Group Personal Insurance, etc.

S K Bandyopadhyay (WB, Howrah)
CEO-USD HR Solutions
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I wish to slightly differ from the reply of Mr. S.K.B. The method of calculation and scale of compensation for any injury or death arising from an employment accident under the E.C. Act, 1923, is different from that of any insurance policy other than an insurance policy under the E.C. Act. Therefore, such a policy is essential for employees who are not covered by the provisions of the ESI Act, 1948.

Respected Umakanthan Ji, First of all, thank you for your prompt response. I have only 3-4 employees working as housekeeping supervisors whose basic wages are above 21,000 with the recent revision of minimum wages. Do I need to provide medical insurance for the individual employee or for the employee and their family? Additionally, what should be the coverage amount for the medical insurance?

Thanks & Regards,

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First of all, I would like to mention that Insurance in lieu of the EC Act means the specific insurance that will satisfy all the conditions of the EC Act. It is available with General Insurance Companies in the Government sector and also in the Private sector. It is an unnamed policy.

Now, in response to the queries made by Indu182 to Mr. Umakanthan, I must emphasize that it is essential to cover 3-4 employees under Insurance in lieu of the EC Act. Additionally, if the organization voluntarily chooses to provide a Mediclaim policy as an extra legal facility, it is up to the decision of the organization. There is no legal compulsion.

Regards, S K Bandyopadhyay