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Have you ever wondered what happens when a worker falls sick or faces an accident at work? Who takes care of them when they lose their income because they can’t go to work? In India, there is an organisation that helps such workers and their families. This organisation is known as ESIC. The ESIC Full Form is Employees State Insurance Corporation.
What is ESIC?
The ESIC Full Form is Employees State Insurance Corporation. It is a body that provides social security and health insurance to workers. This means it helps workers when they are sick, injured, or need medical help. It also gives help to their families.
The ESIC works under the Ministry of Labour and Employment, Government of India. It runs a scheme known as the Employees’ State Insurance (ESI) Scheme. This scheme gives many kinds of support to workers who earn below a certain amount.
It was set up under the ESI Act, 1948, and functions as a statutory body with its headquarters in New Delhi. It has a wide network across the country to ensure that workers receive benefits easily.
What is the ESI Act?
The Employees’ State Insurance Act, 1948, is the legal framework behind ESIC. It was passed to provide medical and financial support to workers and their families. The Act ensures that all employees in covered establishments can get healthcare, sickness benefit, maternity benefit, and more.
This law made it necessary for certain employers to offer this benefit to their employees. It covers factories and some other establishments depending on the number of employees.
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History and Evolution of ESIC
The idea of ESIC began in 1943 with Professor B.N. Adarkar, who suggested a system for health protection for Indian workers. The ESI Act came into effect in 1948, and the first office of ESIC was opened in Kanpur in 1952.
In the beginning, the scheme was only for labourers, but it slowly expanded to include other employees as well. Today, it includes workers earning up to a certain limit and works in both private and government sectors. ESIC has become an important pillar of India’s social security system.
Who Can Get ESIC Benefits?
To get help from ESIC, some simple conditions must be met:
- The workplace should have at least 10 employees (20 in some states).
- The employee should earn less than the set monthly wage limit (₹21,000 for general workers and ₹25,000 for people with disabilities).
- Both the worker and the employer must contribute a small part of the wage every month.
- Once registered, the worker becomes an ‘insured person’ and receives various benefits under the ESI Scheme.
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How to Register for ESIC?
The registration process is simple and done online. Employers are required to register their establishment and employees on the official ESIC portal. Here’s a quick look at the documents needed:
- Registration Certificate under the Factories or Shops and Establishment Act
- Certificate of Incorporation or Partnership Deed
- GST Certificate and PAN Card of business and employees
- List of employees with salary details
- Cancelled cheque of the company’s bank account
- Utility bill or rental agreement as address proof
- Attendance register
After registration, each worker gets a unique ESIC number and card.
How to Find Your ESIC Number?
An ESIC number is like an identity card for insured employees. To find your ESIC number:
- Visit the ESIC website
- Click on the ‘Insured Person’ tab
- Select ‘Track your ESIC Insurance Number’
- Enter your Aadhaar or PAN number
- Click ‘Search’ to get your ESIC number
- This number helps track benefits and receive services.
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Benefits Provided Under ESIC
The ESIC Full Form means care and protection for employees. It gives many important benefits:
- Medical Care: Full medical support for workers and their family members at ESIC hospitals.
- Sickness Benefit: Money is given when the worker is not able to go to work due to illness.
- Maternity Benefit: Women employees get paid leave during pregnancy.
- Disability Benefit: If a worker becomes disabled due to a job-related accident, they get regular support.
- Dependents’ Benefit: If a worker dies due to work injury, the family gets regular financial help.
- Funeral Expenses: A fixed amount is given for funeral expenses of the worker.
- Vocational Rehabilitation: Help is given to disabled workers to return to work.
- Medical Bonus: Extra money is given if the insured woman does not use ESIC hospital for delivery.
All these benefits help the worker live with dignity and safety.
How is ESIC Funded?
The ESIC Full Form also shows its self-financed structure. Here is how it works:
- Employee’s share: 0.75% of the monthly wage
- Employer’s share: 3.25% of the monthly wage
These amounts are deposited every month. In addition to this, the State Government contributes 1/8th of the cost for medical benefits. This shared funding keeps the scheme strong and running smoothly.
Is ESIC Compulsory?
Yes, ESIC is compulsory for workers who meet the criteria:
- Work in a company with the required number of employees
- Earn below ₹21,000 or ₹25,000 for persons with disabilities
If these conditions are met, the employer must register and provide ESIC benefits. This makes sure that more workers in India get health and social security.
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Hospitals and Clinics under ESIC
ESIC has a wide network of hospitals, dispensaries, and clinics. These are managed by trained doctors and medical staff. They provide free or low-cost services to workers and their families.
These hospitals are located in many states like Maharashtra, Tamil Nadu, Uttar Pradesh, Delhi, Gujarat, and more. The network is growing with more centres opening up.
Challenges Faced by ESIC
Though ESIC is helpful, there are a few challenges:
- Not all eligible workers know about the scheme
- Some remote areas lack proper ESIC hospitals
- There may be delays in treatment or benefits
The government is working on improving these areas by spreading awareness and expanding hospital networks.
Conclusion
The ESIC Full Form – Employees State Insurance Corporation – is a big support for many Indian workers. It helps them with medical care, income loss during sickness, maternity support, and more. It works on a shared payment system, where the worker, employer, and government all contribute.
Understanding the ESIC Full Form helps us see how important social security is for a working nation. It ensures that workers can stay safe, healthy, and financially stable during hard times.
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FAQs on ESIC Full Form
What is the ESIC Full Form?
The ESIC Full Form is Employees State Insurance Corporation.
Who is eligible for ESIC benefits?
Workers earning below ₹21,000 (₹25,000 for disabled persons) in eligible companies.
How is the ESI scheme funded?
Through monthly contributions by employees (0.75%) and employers (3.25%).
What documents are needed for ESI registration?
Company registration documents, list of employees, PAN cards, salary details, and a cancelled cheque.
What benefits does ESIC offer?
Medical care, sickness and maternity leave, disability aid, dependents’ support, and more.
