[ecis2016.org] The Employee State Insurance Scheme is managed by the Employees’ State Insurance Corporation or ESIC. Here is a complete guide on the ESIC benefits and features, and the ESIC employee portal and registration process
The Indian government provides various social security schemes to workers in India, entailing insurance and other benefits. Some of them are contributory schemes where the contributions are made by the employees and employers. The Employees’ State Insurance Act, 1948 (ESI Act) was introduced to secure workers against health-related eventualities. The Employees’ State Insurance Corporation, referred to as ESIC, is an autonomous body established by the ESI Act under the Ministry of Labour and Employment, Government of India that aims to provide financial protection to members and their dependents covered under the scheme.
You are reading: ESIC login: A guide to registration on ESIC portal and ESIC scheme benefits
The ESI or Employees’ State Insurance scheme, managed by the ESIC, is a scheme designed to provide social security to employees, as defined in the ESI Act 1948, in case of sickness, maternity and injury during employment. It entitles them to a host of medical, disablement, maternity, and unemployment allowance benefits.
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ESIC employer login: Online registration process
An employer can register online using the official ESIC portal. The online facility to register for ESIC provides convenience compared to the manual registration process.
Here is a step-by-step guide for the ESIC employer login and registration process:
Step 1: Visit the official ESIC portal and click on the ‘Employer’ login option on the main page.
Step 2: Click on the ‘Sign up’ option.
Step 3: Provide relevant details such as company name, principal employer name, email and phone number. Select the state and regions. Submit the form.
Step 4: You will get a confirmation on the registered email ID and mobile number with the ESIC employer login details, including username and password, for registration as an employer or employee under the scheme.
Step 5: Go to the ESIC portal and sign in by clicking on the ‘Employer Login’ option using the login credentials. On the new page, click on the ‘New Employer Registration’ option.
Step 6: Choose the ‘Type of Unit’ from the drop-down menu. Click on ‘Submit’.
Step 7: The ‘Employer Registration – Form 1’ will be displayed. Fill the form with relevant details, including employer, employer details, factory/establishment details and employee details. Click on ‘Submit’.
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Step 8: You will be directed to the ‘Payment of Advance Contribution’ page. Enter the amount and choose the payment mode. An employer is required to pay an advance contribution for six months.
Step 9: Upon successful payment, the Registration Letter (C-11) will be sent to the employer, which serves as proof of ESIC registration. The letter will have the 17-digit registration number given by the ESIC department.
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ESIC registration: Documents required
An employer must submit various documents at the time of registration, which includes:
- PAN card copies of the establishment and its employees
- Bank statement copy
- Registration certificate or license issued under the Shops and Establishments Act/Factories Act
- Proof of address
- Rent receipt of the occupied premises, specifying its capacity
- Copy of latest building tax/property tax receipt
- Certificate of registration for a company
- Memorandum and Articles of Association of the company, Partnership Deed or Trust Deed, depending on the type of entity
- Certificate of commencement of production
- Registration number of CST/ST/GST
- List of directors and shareholders of the company
- Register with attendance details of employees
For ESI filings, a monthly pay sheet will be required for calculating the contribution amount for each employee.
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ESIC employee login procedure
Once the registration of an employee is completed by the employer, the employee qualifies as the insured person. The employee can then log in to the ESIC portal as explained below:
Step 1: Visit the ESIC login portal and click on the ‘Insured person/beneficiary login’ option.
Step 2: Click on sign up for ESIC registration and ESIC employee login.
Step 3: On the next page of the ESIC employee portal, provide details like the insurance number, date of birth, mobile number and captcha.
ESIC eligibility
As per Section 2(12) of the ESI Act, the ESI scheme applies to any non-seasonal factory and establishment, as defined in the ESI Act, having a workforce of 10 or more workers. In some regions, like Maharashtra, the scheme may be applicable if there are a minimum of 20 employees. In addition, the following eligibility criteria need to be fulfilled to avail of the benefits provided by the ESIC scheme:
- The employees/beneficiaries should have a wage limit of up to Rs 21,000 per month.
- Employees with disabilities should have a wage limit of Rs 25,000 per month.
The entities covered in this scheme include restaurants, hotels, shops, newspaper establishments, cinemas, including preview theatres, and road motor transport undertakings.
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The ESIC extended the Employee State Insurance scheme benefits from August 1, 2015, for workers deployed at construction sites situated in the implemented areas under the ESI Scheme.
ESIC contribution rates
Employer contribution | Employee contribution | Total |
3.25% | 0.75% | 4% |
The ESIC contribution rates are periodically revised. The contribution rates for the ESI scheme, applicable with effect from July 1, 2019, are mentioned above.
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ESIC benefits and features of the scheme
The benefits under the Employee State Insurance scheme, which is a self-financing scheme, are classified into two categories:
- Cash benefits covering sickness, maternity, disablement (temporary and permanent), funeral expenses, and vocational rehabilitation
- Non-cash benefits through medical care
Mentioned below are the benefits and main features of the ESI scheme:
Medical benefit
The medical expenditures of an insured person and his family members are covered from day one of the employment.
Sickness benefit
The beneficiary can avail 70% of wages as cash compensation during the period of certified sickness for a maximum of 91 days per year. To be eligible for this benefit, the worker must contribute for 78 days in a contribution period of six months.
Maternity benefit
Under the scheme, an employee as an ESIC member can avail full wage under maternity benefit for 26 weeks, which is extendable by a further one month on medical advice, subject to a contribution of 70 days in the preceding two contribution periods.
Disablement benefit
During temporary disablement, a worker can avail 90% of the wage until the disability continues. In case of permanent disability, one is eligible to get 90% of the monthly salary, based on the extent of loss of earning capacity as certified by the medical board.
Unemployment allowance
Under the scheme, workers who become unemployed due to the closure of a factory or establishment, retrenchment, or permanent invalidity are eligible for an allowance of 50% of wage for a maximum period of two years.
Dependent’s benefit
The dependents of the insured person under the scheme receive financial aid in the form of a monthly payment of 90% of wage in case of death due to injuries or occupational hazards.
Other benefits
- Funeral expenses: The scheme covers funeral expenses up to Rs 15,000, payable to the dependents or the individual performing the last rites of the insured.
- Confinement costs: The scheme covers costs in case confinement at a place where essential medical services under the scheme are not available.
- Vocational rehabilitation (VR): The benefit is available for insured individuals who are permanently disabled for undergoing VR training.
- Physical rehabilitation: The scheme offers this benefit for individuals with physical disablement due to employment injury.
- Old-age medical care: The benefit is available for an insured person at the time of retirement or under VRS (Voluntary Retirement Scheme)/Employees’ Retirement System (ERS), or if the individual has to leave employment due to permanent disability.
Features of ESI scheme
- An employer makes a contribution from his share for those employees whose daily average wage is Rs 137.
- Employers must make their contribution, deduct employees’ contribution from wages and deposit the same with ESIC within 15 days from the last day of the month when the contribution is due.
- Payments can be made online or through designated and authorised public sector banks.
Compliances
Employers are also required to file ESI on a half-yearly basis. After the ESIC registration process, an establishment must comply with the following rules:
- Maintain an attendance register and a complete register of workers’ wages
- Follow an inspection book
- Maintain a register that records any accidents that occurred on the premises
- Payment for monthly return and challan within 15th of the following month
- Provide Form 6
- Register for ESI return filing
ESIC online payment
For ESIC online payment, users can follow the below-mentioned steps:
- Visit the ESIC e-challan payment portal
- Enter the employer code and captcha in the required fields. Click on ‘Search’.
- On the next page, details of all allotted challans for the employer code will be displayed. From the list, select the challan for which payment must be made.
- Details such as employer code, employer address, challan number, challan period and the amount will be displayed.
- Proceed to make the payment by clicking on the challan number link. Click ‘continue’.
- You will be directed to the ESIC e payment gateway. Choose the mode of payment (debit card, net banking, etc.)
- After successful payment, you can see the status and save the transaction details.
FAQs
How can I get my ESIC number?
Once the employer submits details of the respective employees, the ESIC issues a smart card. The ESI Card or Pehchan Card is an identity card, which enables an individual to avail of ESI scheme benefits at empanelled hospitals and dispensaries. The unique ESI insurance number or ESIC number is mentioned on this card.
How can I download my ESIC card?
How is the ESI scheme funded?
The ESI scheme is a self-financing scheme. The funds are mainly generated from contributions by the employers and employees, payable monthly as per a fixed percentage of the wages. The state government bears 1/8th share of the costs of medical benefits.
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