How to use ESI card in hospital

Posted on 17th Sep 2018 | 12007 views

5 avg. rating (100% score) - 2 votes

ESI benefits

The ESI benefits are many. The Employees’ State Insurance or ESI is a social security program offered by the government to help employees avail medical benefits when needed. The benefits are as displayed below:

ESI benefits

Sickness benefit- Employees are entitled to receive a daily ‘standard benefit rate’ during the sickness period. The standard benefit rate may vary between 14 INR to 195 INR per day.

Maternity benefit: Any medical conditions arising out of pregnancy, miscarriage, premature birth of child, etc. This benefit can be availed for 91 days in one calendar year.

Disablement benefit: Applicable to total or partial disability due to an employment injury. This benefit is valid for the whole life.

Dependents’ benefit: In the case of death of an employee during employment, this benefit is applicable to his widow and children. In the absence of widow and children, his other dependants are entitled to periodic payments.

ESIC India

The ESIC India program can be used by the employees using the ESI Smart card. The smart card contains all the details pertaining to the employee and needs to be presented to the hospital before the commencement of treatment. The ESIC provides:

● Free and comprehensive health care.

● Medical facilities are available for dependants.

● Both out-patient and in-patient treatments are covered.

● Diagnostic services with free supply of drugs.

● Super speciality hospital treatments.

● INR 10000 paid to dependants of deceased towards funeral expenses.

● Temporary disablement rate of 90% of wage is paid for the period of continued disablement.

● The ESI card or the ‘Pehchan’ card as it is called is a magnetic, smart identity card. The ESI scheme is self-financed. The employer contributes 4.75% and the employee contributes 1.75% of the earnings. Any worker earning less than 21000 INR/Month can avail the ESI scheme.

7 Comments on How to use ESI card in hospital

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Hitesh kasana
915 days ago

Dear sir/ma'am I want to know that on which hospitals did my esic card work as cashless

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lilesh dhada
947 days ago

sir I am lilesh dhada my wife is handicap and now his pregnant. hre complete 5month. I have ESI but I don't know how to use it. plz solution give me.

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Kkrishan Kumar
990 days ago

Sir, I am a ESCI covered patient by goal bladder stones and wanted to operate in any private hospital. Reason my condition is fine and Dr. advised to operate by laser technique as soon as possible. Pls guide me how possible. Regds

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991 days ago

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1061 days ago

my mother diabitish patient . can i get her medicine expense under esi ?

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Abhishek Srivastava
1276 days ago

Can I add my sister name in ESI.

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Hemant vana Chaudhari
1336 days ago

Good work

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