The document discusses the key aspects of the Employee State Insurance Act of 1948 in India. It provides socio-economic protection to covered workers and dependents. The Act originally started as the Workmen's State Insurance Bill of 1946 and came into force in 1948. It offers six main benefits - medical benefits with unlimited healthcare coverage; sickness benefits that provide 70% wages for up to 91 days; maternity benefits for three months; and disablement benefits for temporary or permanent disability from employment injuries.

1. EMPLOYEE STATE
INSURANCE ACT,1948
LEARNING OUTCOME 4
TASK-3

2. WHAT IS ESI :
 Employee state insurance act, 1948 presented by : Namrata jadhav 58.
 Employee state insurance act,1948 :
i. ESI Scheme of india, is a multidimensional social security system tailored
to provide socio-economic protection to worker population and their
dependants covered under the scheme.
ii. Pioneering measure in social insurance in india.
iii. Originally called “workmen’s state insurance bill” 1946.
iv. Came into force on 19th April 1948.

3. ESI BENEFITS
 The employees” state insurance act, 1948 is one of the most important
lave that provide social security. Contains six kinds of ESI benefits that
injured employees can avail. All of these benefits must arise in the
course of employment in order to enable workers to access them.
 Medical benefit :
 Every insurable employee under the act gets medical benefits the day he becomes
an employee. This medical benefit has no ceiling in terms of expenditure on
healthcare.
 Hence, the ESI Corporation takes care of all treatment expenses as per its rules.

4. SICKNESS BENEFIT
 Insurable employees under the act can draw some cash
compensation in case they fall sick. This compensation is
generally 70% of their wages during the period of sickness
for a maximum of 91days in a year.
 In order to avail this sickness benefit, a worker must pay his
contribution for 78 days out of 6 months. Hence, he cannot
seek this benefit if he contributes for less than 78 days.

5. Maternity benefit
 All female insurable employees can avail maternity benefit under the act
in cases of pregnancy or confinement.
 Confinement, in this case, means labour which results in the birth of a
living child . It can also mean birth at 26 weeks of pregnancy, whether
the child is living or not.
 This maternity benefit is generally payable to employees for three
month. It may, however, be extendable for one more month depending
on medical advice.

6. DISABLEMENT BENEFIT
 In case an employee suffers some disablement due to an
employment injury, he can seek disablement benefit. Such
disablement may be either temporary or permanent.
 In case of temporary disablement the compensation is generally
90% of the wage amount until the disablement continues. The
employee can claim this benefit irrespective of whether or not he
paid his contribution.

7. THANK YOU
KHUSHPREET KAUR
MARKETING EXECUTIVE