ESI.pptx

S
Sachin MasanMedical student (BAMS) at Sushrutha Ayurvedic Medical College and Hospital
Employee’s State Insurance
ACT, 1948
By: Sachin Masan, BAMS (IIIrd Year)
Scope
1. Purpose: The ESI Act, 1948, is a law in India designed to provide social security and health
insurance benefits to industrial workers.
2. Amendments: The act was initially passed in 1949 and has been amended in 1975, 1984, and 1989 to
improve its provisions.
3. Benefits: It offers cash and in-kind benefits to workers who face sickness, maternity, or employment-
related injuries. This helps alleviate their financial and physical concerns.
4. Scope: The ESI Act applies to the entire country. It covers factories employing less than 20 workers
with power and more than 20 workers without power. In 1975, it was expanded to include various
other establishments like hotels, cinemas, road transport, newspapers, and shops.
In summary, the ESI Act serves as a safety net for workers in India, ensuring they receive support during
health-related challenges and job injuries.
● Coverage Expansion (2004): The Act covers all employees, including manual, clerical,
supervisory, and technical workers, earning up to ₹7500 per month.
● Extension to Other Establishments: The provisions of the Act can be applied to other
agricultural or commercial establishments as needed.
● Name Explanation: The name “ESI Act” has significance:
● “Employees” because it’s for workers.
● “State” because state governments are responsible for helping workers in times of
crisis.
● “Insurance” because workers contribute a small percentage (1% to 2.5%) of their
wages as a premium, even if they don’t immediately benefit.
Administration
Imagine the ESI Scheme like a well-organized team:
1. ESI Corporation (The Big Boss):
- Meets twice a year.
- Led by the Labor Minister and other important folk like government, representatives of
employees, employers and medical professionals
- They create the game plan (policies) for the scheme.
2. Standing Committee (The Doers):
- Made up of team members from ESI Corporation.
- They meet four times a year.
- Their head honcho is the Director General.
- These are the folks who execute the game plan and make sure things run smoothly
day to day.
3. Medical Benefit Council (The Health Experts):
- Led by the Director General of Health Services.
- They have a mix of health experts, employees, employers, and representatives from different
places.
- Their job is to give advice on how to keep everyone healthy.
4. Field Offices (The Helpers):
- There are 21 State Wise regional and 15 local offices
- They handle claims and make sure everyone gets the money they need.
- Inspectors keep an eye on things to make sure everyone's playing fair.
So, it's like a big team effort. The bosses make the rules,
the doers make things happen,
the health experts keep everyone well,
the helpers make sure the money gets to the right people.
Teamwork makes the ESI Scheme work!
The benefits for employees under the ESI Scheme :
Cash Benefits (First Five):
1. Sickness Benefit: Money when you're sick and can't work.
2. Maternity Benefit: Support for new moms during pregnancy and childbirth.
3. Disablement Benefit: Help if you're hurt at work and have a lasting injury.
4. Dependent Benefit: Assistance for your family if worker pass away.
5. Funeral Benefit: Financial help when a loved one passes away.
6. Medical Benefit: You get medical care and treatment when you're unwell.
7. Rehabilitation Benefit: Assistance to recover and return to work after a serious
injury or illness. It's like a helping hand to rebuild your life.
These benefits are for employees earning up to ₹7,500 per month, providing a safety
net during tough times.
Sickness Benefit
What is it?
- Cash support when you're too sick to work.
- Certified by an Insurance Medical Officer.
How much?
- 50% of your daily wage.
- Up to 91 days for short-term illnesses.
Extended Sickness Benefit:
- For long-term illnesses.
- Up to 309 days if you've worked continuously for two years.
Covered Illnesses:
- Includes diseases like tuberculosis, diabetes with complications, heart diseases, and more.
- 34 diseases in total.
Important Note:
- Job is protected during sickness.
- It covers illnesses, whether work-related or not.
Maternity Benefit:
- For insured women workers.
- Duration varies:
- Miscarriage and premature birth: 6 weeks.
- Sickness due to pregnancy: 30 days.
- Confinement (before & after delivery): 12 weeks.
- Paid at full wages.
Disablement Benefit:
- For workers disabled due to work-related reasons or job injuries. 3 types
- Temporary disability: 85% of wages.
- Total permanent disability: Full pension for life.
- Partial permanent disability: A portion as a life pension.
Dependent's Benefit:
- For the family of an insured worker who dies due to a work injury.
- Paid periodically.
- Children and widow get 40% more than the Standard Benefit Rate.
- Minimum benefit: ₹14 per day.
- Benefits for children until 18 years, or until the daughter gets married.
- Widow gets benefits for life or until remarriage.
Funeral Benefit:
- Immediate cash benefit, up to ₹2500.
- Given to the eldest surviving family member to cover funeral expenses
Medical Benefit
Medical Benefit:
- Unlike other benefits, this is not cash but medical care.
- It includes three types of medical care:
1. Full Medical Care:
- Hospitalization, free for insured persons and their families during sickness, work injuries, and
maternity.
- Services include outpatient care, inpatient care, drugs, specialists, tests, antenatal and postnatal
care, and more.
- Complex cases may be referred outside the state, paid for by ESI.
2. Limited Medical Care:
- Only outpatient care is provided.
3. Partial Medical Care:
- Full care but no hospitalization
Direct and Indirect pattern
Direct Pattern:
- Through ESI hospitals and dispensaries.
- Full-time medical and paramedical staff.
- Established where there are more than 1000 families.
Indirect Pattern (Panel System):
- Care provided indirectly through private doctors known as 'Insurance Medical
Practitioners.'
- 1 doctor per 750 families.
- Doctors receive a fixed payment, whether services are used or not.
Miscellaneous Medical Benefits:
- Free supplies for disabled workers.(Spects, hearing aid etc)
- Preventive shots.
- Free contraceptives and rewards for sterilisation.
- Yoga training
Cost of Medical Benefit:
- It's been rising over the years.
- Was
₹23.79 in 1961-62,
₹67.53 in 1973-74,
₹905 in 2001-02.
Rehabilitation Benefits are also received by workers.
ESI Scheme by March 31, 2003:
- Covered 78 lakh employees, including 14 lakh women.
- Total beneficiaries around 253 lakhs.
- 27,000 beds available.
- 700 ESI hospitals, 350 specialist centers, and 1500 hospitals.
- Doctor to population ratio: 1:585 (better than the national average of 1:2148).
Benefits to Employers:
- Exemption from Workmen's Compensation Act, 1923.
- Exemption from Maternity Benefit Act, 1961.
- No need to pay medical allowances or arrange medical care.
- Rebate on Income Tax for ESI contributions.
- Promotes a healthy workforce.
Workmen's Compensation Act, 1923:
- Deals with compensating workers for occupational injuries or diseases.
- Applicable where ESI Scheme isn't in place.
- Compensation amount decided by labor courts.
- Challenges due to illiteracy, ignorance, and employer indifference.
Thank you 😃
1 of 16

Recommended

ESI by
ESIESI
ESISumaiya Khatun
7.3K views39 slides
Social security by
Social securitySocial security
Social securityDr Bushra Jabeen
680 views36 slides
Social security by
 Social security Social security
Social securityVishnu Das
76.8K views97 slides
esi1948.pptx by
esi1948.pptxesi1948.pptx
esi1948.pptxParismitaBarman1
28 views34 slides
The employees' state insurance act 1948 by
The employees' state insurance act 1948The employees' state insurance act 1948
The employees' state insurance act 1948suman singh
512 views21 slides
ESI PPT.pptx by
ESI PPT.pptxESI PPT.pptx
ESI PPT.pptxnaveenithkrishnan
91 views23 slides

More Related Content

Similar to ESI.pptx

Health insurance by
Health insuranceHealth insurance
Health insuranceBharat Paul
84.9K views74 slides
learning outcome 4 task 3 ppt.pptx by
learning outcome 4 task 3 ppt.pptxlearning outcome 4 task 3 ppt.pptx
learning outcome 4 task 3 ppt.pptxSnehLata90
125 views9 slides
Employee state insurance act by
Employee state insurance actEmployee state insurance act
Employee state insurance actARUNAYESUDAS
138 views16 slides
finalppt-141106142303-conversion-gate02.pdf by
finalppt-141106142303-conversion-gate02.pdffinalppt-141106142303-conversion-gate02.pdf
finalppt-141106142303-conversion-gate02.pdfUmaMaheshwariJ3
44 views97 slides
Social security schemes by
Social security schemesSocial security schemes
Social security schemesMitasha Singh
2.2K views58 slides
6. employee state insurance act,1948 by
6. employee state insurance act,19486. employee state insurance act,1948
6. employee state insurance act,1948Anagha Deolasi
1.1K views31 slides

Similar to ESI.pptx(20)

Health insurance by Bharat Paul
Health insuranceHealth insurance
Health insurance
Bharat Paul84.9K views
learning outcome 4 task 3 ppt.pptx by SnehLata90
learning outcome 4 task 3 ppt.pptxlearning outcome 4 task 3 ppt.pptx
learning outcome 4 task 3 ppt.pptx
SnehLata90125 views
Employee state insurance act by ARUNAYESUDAS
Employee state insurance actEmployee state insurance act
Employee state insurance act
ARUNAYESUDAS138 views
finalppt-141106142303-conversion-gate02.pdf by UmaMaheshwariJ3
finalppt-141106142303-conversion-gate02.pdffinalppt-141106142303-conversion-gate02.pdf
finalppt-141106142303-conversion-gate02.pdf
UmaMaheshwariJ344 views
Social security schemes by Mitasha Singh
Social security schemesSocial security schemes
Social security schemes
Mitasha Singh2.2K views
6. employee state insurance act,1948 by Anagha Deolasi
6. employee state insurance act,19486. employee state insurance act,1948
6. employee state insurance act,1948
Anagha Deolasi1.1K views
Esic benifits ppt by vaseem18
Esic benifits pptEsic benifits ppt
Esic benifits ppt
vaseem1835.1K views
Social security schemes by Mitasha Singh
Social security schemesSocial security schemes
Social security schemes
Mitasha Singh12.9K views
Occupational diseases (Part 5) - ESI Act 1948 by Mohsin Ansari
Occupational diseases (Part 5) - ESI Act 1948Occupational diseases (Part 5) - ESI Act 1948
Occupational diseases (Part 5) - ESI Act 1948
Mohsin Ansari189 views
PPT on "Employee's State Insurance Act 1948" of India. by Anshu Shekhar Singh
PPT on "Employee's State Insurance Act 1948" of India.PPT on "Employee's State Insurance Act 1948" of India.
PPT on "Employee's State Insurance Act 1948" of India.
Anshu Shekhar Singh216.9K views
Employee welfare by Chandan Raj
Employee welfare Employee welfare
Employee welfare
Chandan Raj94.3K views
Employee's state insurance act, 1948 by RubyDhaked
Employee's state insurance act, 1948Employee's state insurance act, 1948
Employee's state insurance act, 1948
RubyDhaked250 views
Health insurance by BHANU DIXIT
Health insuranceHealth insurance
Health insurance
BHANU DIXIT1.3K views

Recently uploaded

Oral presentation assignment by
Oral presentation assignmentOral presentation assignment
Oral presentation assignmentIIAD7
8 views7 slides
Jelly6 by
Jelly6Jelly6
Jelly6Julia Kaye
12 views115 slides
Japanese elderly health system.pptx by
Japanese elderly health system.pptxJapanese elderly health system.pptx
Japanese elderly health system.pptxMunaShrestha16
7 views68 slides
midwifery and gyaenocology file.pdf by
midwifery and gyaenocology file.pdfmidwifery and gyaenocology file.pdf
midwifery and gyaenocology file.pdfGouri Das
6 views217 slides
Best Sex Dolls For Horny Men by
Best Sex Dolls For Horny MenBest Sex Dolls For Horny Men
Best Sex Dolls For Horny MenTurkey Sextoy
6 views1 slide
Code Red Training.pptx by
Code Red Training.pptxCode Red Training.pptx
Code Red Training.pptxmaintenancehhc01
8 views21 slides

Recently uploaded(20)

Oral presentation assignment by IIAD7
Oral presentation assignmentOral presentation assignment
Oral presentation assignment
IIAD78 views
Japanese elderly health system.pptx by MunaShrestha16
Japanese elderly health system.pptxJapanese elderly health system.pptx
Japanese elderly health system.pptx
MunaShrestha167 views
midwifery and gyaenocology file.pdf by Gouri Das
midwifery and gyaenocology file.pdfmidwifery and gyaenocology file.pdf
midwifery and gyaenocology file.pdf
Gouri Das 6 views
Early Detection and Referral Final by manali9054
Early Detection and Referral FinalEarly Detection and Referral Final
Early Detection and Referral Final
manali905411 views
visit report on Kalikapur primary Health centre.pdf by Gouri Das
visit report on Kalikapur primary Health centre.pdfvisit report on Kalikapur primary Health centre.pdf
visit report on Kalikapur primary Health centre.pdf
Gouri Das 6 views
DISTRIBUTION OF FRESH FRUITS AND VEGETABLES IN DHARAVI, INDIA by manali9054
DISTRIBUTION OF FRESH FRUITS AND VEGETABLES IN DHARAVI, INDIADISTRIBUTION OF FRESH FRUITS AND VEGETABLES IN DHARAVI, INDIA
DISTRIBUTION OF FRESH FRUITS AND VEGETABLES IN DHARAVI, INDIA
manali905428 views
Pharmacists Role in Small Hospitals & Nursing Homes.pdf by UVAS
Pharmacists Role in Small Hospitals & Nursing Homes.pdfPharmacists Role in Small Hospitals & Nursing Homes.pdf
Pharmacists Role in Small Hospitals & Nursing Homes.pdf
UVAS5 views
Introduction to Sociology for physiotherapists.pptx by Mumux Mirani
Introduction to Sociology for physiotherapists.pptxIntroduction to Sociology for physiotherapists.pptx
Introduction to Sociology for physiotherapists.pptx
Mumux Mirani52 views
Enroll Today For A Promising Healthcare Career At Angeles College by Angeles College
Enroll Today For A Promising Healthcare Career At Angeles CollegeEnroll Today For A Promising Healthcare Career At Angeles College
Enroll Today For A Promising Healthcare Career At Angeles College
Angeles College5 views
Automated Patient Reported Outcomes (PROs) for Hip & Knee Replacement by Health Catalyst
Automated Patient Reported Outcomes (PROs) for Hip & Knee ReplacementAutomated Patient Reported Outcomes (PROs) for Hip & Knee Replacement
Automated Patient Reported Outcomes (PROs) for Hip & Knee Replacement
Health Catalyst12 views
What’s Next for Hospital Price Transparency in 2024 and Beyond by Health Catalyst
What’s Next for Hospital Price Transparency in 2024 and BeyondWhat’s Next for Hospital Price Transparency in 2024 and Beyond
What’s Next for Hospital Price Transparency in 2024 and Beyond
Health Catalyst6 views

ESI.pptx

  • 1. Employee’s State Insurance ACT, 1948 By: Sachin Masan, BAMS (IIIrd Year)
  • 2. Scope 1. Purpose: The ESI Act, 1948, is a law in India designed to provide social security and health insurance benefits to industrial workers. 2. Amendments: The act was initially passed in 1949 and has been amended in 1975, 1984, and 1989 to improve its provisions. 3. Benefits: It offers cash and in-kind benefits to workers who face sickness, maternity, or employment- related injuries. This helps alleviate their financial and physical concerns. 4. Scope: The ESI Act applies to the entire country. It covers factories employing less than 20 workers with power and more than 20 workers without power. In 1975, it was expanded to include various other establishments like hotels, cinemas, road transport, newspapers, and shops. In summary, the ESI Act serves as a safety net for workers in India, ensuring they receive support during health-related challenges and job injuries.
  • 3. ● Coverage Expansion (2004): The Act covers all employees, including manual, clerical, supervisory, and technical workers, earning up to ₹7500 per month. ● Extension to Other Establishments: The provisions of the Act can be applied to other agricultural or commercial establishments as needed. ● Name Explanation: The name “ESI Act” has significance: ● “Employees” because it’s for workers. ● “State” because state governments are responsible for helping workers in times of crisis. ● “Insurance” because workers contribute a small percentage (1% to 2.5%) of their wages as a premium, even if they don’t immediately benefit.
  • 4. Administration Imagine the ESI Scheme like a well-organized team: 1. ESI Corporation (The Big Boss): - Meets twice a year. - Led by the Labor Minister and other important folk like government, representatives of employees, employers and medical professionals - They create the game plan (policies) for the scheme. 2. Standing Committee (The Doers): - Made up of team members from ESI Corporation. - They meet four times a year. - Their head honcho is the Director General. - These are the folks who execute the game plan and make sure things run smoothly day to day.
  • 5. 3. Medical Benefit Council (The Health Experts): - Led by the Director General of Health Services. - They have a mix of health experts, employees, employers, and representatives from different places. - Their job is to give advice on how to keep everyone healthy. 4. Field Offices (The Helpers): - There are 21 State Wise regional and 15 local offices - They handle claims and make sure everyone gets the money they need. - Inspectors keep an eye on things to make sure everyone's playing fair. So, it's like a big team effort. The bosses make the rules, the doers make things happen, the health experts keep everyone well, the helpers make sure the money gets to the right people. Teamwork makes the ESI Scheme work!
  • 6. The benefits for employees under the ESI Scheme : Cash Benefits (First Five): 1. Sickness Benefit: Money when you're sick and can't work. 2. Maternity Benefit: Support for new moms during pregnancy and childbirth. 3. Disablement Benefit: Help if you're hurt at work and have a lasting injury. 4. Dependent Benefit: Assistance for your family if worker pass away. 5. Funeral Benefit: Financial help when a loved one passes away. 6. Medical Benefit: You get medical care and treatment when you're unwell. 7. Rehabilitation Benefit: Assistance to recover and return to work after a serious injury or illness. It's like a helping hand to rebuild your life. These benefits are for employees earning up to ₹7,500 per month, providing a safety net during tough times.
  • 7. Sickness Benefit What is it? - Cash support when you're too sick to work. - Certified by an Insurance Medical Officer. How much? - 50% of your daily wage. - Up to 91 days for short-term illnesses. Extended Sickness Benefit: - For long-term illnesses. - Up to 309 days if you've worked continuously for two years. Covered Illnesses: - Includes diseases like tuberculosis, diabetes with complications, heart diseases, and more. - 34 diseases in total. Important Note: - Job is protected during sickness. - It covers illnesses, whether work-related or not.
  • 8. Maternity Benefit: - For insured women workers. - Duration varies: - Miscarriage and premature birth: 6 weeks. - Sickness due to pregnancy: 30 days. - Confinement (before & after delivery): 12 weeks. - Paid at full wages. Disablement Benefit: - For workers disabled due to work-related reasons or job injuries. 3 types - Temporary disability: 85% of wages. - Total permanent disability: Full pension for life. - Partial permanent disability: A portion as a life pension.
  • 9. Dependent's Benefit: - For the family of an insured worker who dies due to a work injury. - Paid periodically. - Children and widow get 40% more than the Standard Benefit Rate. - Minimum benefit: ₹14 per day. - Benefits for children until 18 years, or until the daughter gets married. - Widow gets benefits for life or until remarriage. Funeral Benefit: - Immediate cash benefit, up to ₹2500. - Given to the eldest surviving family member to cover funeral expenses
  • 10. Medical Benefit Medical Benefit: - Unlike other benefits, this is not cash but medical care. - It includes three types of medical care: 1. Full Medical Care: - Hospitalization, free for insured persons and their families during sickness, work injuries, and maternity. - Services include outpatient care, inpatient care, drugs, specialists, tests, antenatal and postnatal care, and more. - Complex cases may be referred outside the state, paid for by ESI. 2. Limited Medical Care: - Only outpatient care is provided. 3. Partial Medical Care: - Full care but no hospitalization
  • 11. Direct and Indirect pattern Direct Pattern: - Through ESI hospitals and dispensaries. - Full-time medical and paramedical staff. - Established where there are more than 1000 families. Indirect Pattern (Panel System): - Care provided indirectly through private doctors known as 'Insurance Medical Practitioners.' - 1 doctor per 750 families. - Doctors receive a fixed payment, whether services are used or not.
  • 12. Miscellaneous Medical Benefits: - Free supplies for disabled workers.(Spects, hearing aid etc) - Preventive shots. - Free contraceptives and rewards for sterilisation. - Yoga training Cost of Medical Benefit: - It's been rising over the years. - Was ₹23.79 in 1961-62, ₹67.53 in 1973-74, ₹905 in 2001-02. Rehabilitation Benefits are also received by workers.
  • 13. ESI Scheme by March 31, 2003: - Covered 78 lakh employees, including 14 lakh women. - Total beneficiaries around 253 lakhs. - 27,000 beds available. - 700 ESI hospitals, 350 specialist centers, and 1500 hospitals. - Doctor to population ratio: 1:585 (better than the national average of 1:2148).
  • 14. Benefits to Employers: - Exemption from Workmen's Compensation Act, 1923. - Exemption from Maternity Benefit Act, 1961. - No need to pay medical allowances or arrange medical care. - Rebate on Income Tax for ESI contributions. - Promotes a healthy workforce.
  • 15. Workmen's Compensation Act, 1923: - Deals with compensating workers for occupational injuries or diseases. - Applicable where ESI Scheme isn't in place. - Compensation amount decided by labor courts. - Challenges due to illiteracy, ignorance, and employer indifference.