BENEFITS & CONTRIBUTORY CONDITIONS

 

 

Sickness benefit:

 

Benefit	contributory conditions	Duration	Rate
Sickness (for self)	Payment for at least 78 days in the relevant contribution period	91 days in any two consecutive benefit periods.	Standard benefit rate (not less them 50% of wage)
Extended sickness benefit (for self) (For 34 specified long term diseases)	2 Years continuous employment and payment of contribution for at least 156 days in four-contribution period.	309 days duration has been extended beyond 400 day (91 days S.B. plus 309 days E.S.B.) to two years in deserving cases.	140% of the standard benefit rate (but not less than 70% of the wage)
Enhanced sickness benefit (for undergoing sterilization)	Payment for at least 78 days in the relevant contribution period	7 Days vasectomy and 14 days for tubectomy.	Twice the standard benefit rate but not less than full wages.

 

Disablement benefits (employment injury or occupational disease):

 

Benefit	contributory conditions	Duration	Rate
Temporary Disablement benefit	No condition	Till the incapacity lasts	140% of the standard benefit rate.
Permanent Disablement benefit	No condition	For life	up to 140% of the standard sickness benefit rate.

 

Dependents' benefit:

 

Benefit	contributory conditions	Duration	Rate
For death due to employment injury or occupational disease (for dependants)	No Condition	To immediate dependants	140% of the standard benefit rate.

 

 

 

Maternity benefit:

 

Benefit	contributory conditions	Duration	Rate
Maternity benefit (for self)	Payment of contribution for 70 days in immediately preceding two consecutive contribution periods.	12 weeks of which not more than SIX can precede the expected date of confinement, 6 weeks for miscarriage.	Double the Standard benefit rate (Not less than full wage)

 

Medical benefit:

 

Benefit	contributory conditions	Duration	Rate
Medical benefit (for self & family)	No condition	12 weeks of which not more than SIX can precede the expected date of confinement, 6 weeks for miscarriage.	Double the Standard benefit rate (Not less than full wage)

 

Other benefits:

 

Benefit	contributory conditions	Duration	Rate
Funeral Expenses	No condition		Actual expenditure on funeral not exceeding Rs. 2500\-
Rehabilitation Allowance	No condition	For each day on which insured person remains admitted in artificial limb center for fixation/repair or replacement of artificial limb	Double the standard sickness benefit rate but not less than full wages.
Vocational & Rehabilitation	Insurable employment up to 40% permanent disablement and below 45 yrs of age.	Till such training lasts at a recognized center/ institute.
Medical benefit to retired and disabled insured persons	On payment @ of Rs.10 per month in lump-sum for one year in advance	Period for which contribution is paid	Full medical care for self and spouse only
Medical Bonus	No condition other than insurable employment of Self/spouse	Rs 1000/- is paid as a lump-sum grant towards confinement expenses to an insured women, wife of insured person (w.e.f. 1-4-03)	At places where necessary medical facilities are not available under the ESI Scheme.