Non-ESI Employees in India: How Can They Secure Medical Benefits?

Benefits for Non-ESI Employees in India

What are the benefits for non-ESI employees in India? Do they have any option to claim medical benefits?

In India, non-ESI employees are not covered under the Employees' State Insurance (ESI) scheme. However, they may have alternative options to claim medical benefits. Non-ESI employees can explore various health insurance policies offered by private insurers to secure medical coverage. Additionally, some employers provide health insurance benefits to their employees as part of their employee welfare initiatives. Non-ESI employees can also utilize government healthcare facilities or opt for private medical services based on their preferences and financial capabilities.

It's essential for non-ESI employees to proactively assess and choose the most suitable medical benefits option that aligns with their healthcare needs and financial planning. Regularly reviewing and updating their health coverage can ensure comprehensive protection against unforeseen medical expenses.

Non-ESI Benefits and Medical Coverage Options

Should be covered under the EC Act in lieu of the EC Policy. Hospitalization Mediclaim Insurance should be provided as per the capacity of the organization. There may be some domiciliary medical allowance if possible per year, along with paid medical leave per year, etc. The above may be considered as a Non-ESI benefit.

Regards, S K Bandyopadhyay (WB, Howrah) CEO-USD HR Solutions [Phone Number Removed For Privacy-Reasons] [Email Removed For Privacy Reasons] www.usdhrs.in

Hi, for employees who are not covered under ESIC, the employer may provide them with Mediclaim (health insurance coverage) facilities so they can claim in case of any medical emergency.

Legal Obligations for Employers Regarding Medical Facilities

Legally, an employer is not required to provide any medical facilities to employees who are out of ESI coverage. However, when it becomes necessary to provide compensation following the Employees' Compensation Act to an employee who meets with accidents or dies during the course of employment, a policy will have to be taken. Other than that, an employer has no legal obligation regarding employees who are not covered by ESI.

Employee Benefits Beyond Legal Obligations

Still, as an employee benefit, you can have different policies, sometimes to cover only the employees, sometimes to cover their spouses and children, and sometimes cover their parents, depending on the situations.

I would like to inquire about employees with a take-home salary above 21,500/-. Do they have any benefits regarding ESI?

EC Policy for Non-ESI Employees

EC is a mandatory requirement for employees who are not covered by ESIC.

What we do in our organization is:

a) We have an EC policy with a small amount of medical reimbursement built-in. However, the medical part is not cashless.

b) We also cover these employees under a group medical cover (GMC).

c) In case of an accident, we get them treated under GMC (preferably cashless) and compensate them under EC.

Hope this helps.

As a non-ESI (Employees' State Insurance) employee in India, individuals are not covered under the ESI scheme, which provides medical and certain other benefits to employees working in specific establishments. However, many organizations offer their own medical benefits and facilities to their employees as part of their employee welfare initiatives.