This is Ravi Verma, in this article I will tell you about all the ESIC forms.

Let’s Start,

• What is ESIC?

Its full name is Employees’ State Insurance Scheme, ACT 1948. All types of employees are covered under this scheme, in which all employees are given benefits for their medical benefits and employment, if the employee gets any kind of accident, then he gets the benefit.

Benefites of ESIC?

This Scheme has come into From july 1,2018.

1. UN-EMPLOYMENT ALLOWANCE
2. DEPENDANTS’ BENEFIT
3. DISABLEMENT BENEFIT
4. MATERNITY BENEFIT
5. SICKNESS BENEFIT
6. MEDICAL BENEFITS

UN-EMPLOYMENT ALLOWANCE

To take advantage of this, we have to follow the instructions given by it.

• When you want to take advantage of this scheme, then you have to keep in mind that during this time you do not have any job.
• You should have done ESIC contribution for 2 years in whatever company you work in.
• Your contribution should also be deposited by the employer
• If you have committed any such offense in your company, due to which you are fired from the company, then you cannot take advantage of unemployment.
• If you have reached retirement age from your company, you still cannot take advantage of it.
• If you have taken retirement by yourself then you cannot take advantage of it.
• Your Aadhar card and bank details must be linked on the ESIC portal only then you can avail your unemployment benefits.
• If there is unemployment and he has not got any job in 3 months, then he can take benefit of this scheme once, in which that person will be compensated in the form of cash for 3 months.

UN-EMPLOYMENT DISQUALIFICATION

• If you have reached retirement age from your company, you still cannot take advantage of it.
• If you have committed any such offense in your company, due to which you are fired from the company, then you cannot take advantage of unemployment.
• You should have done ESIC contribution for 2 years.
• During lOCK OUT.
• Strike resorted to by the employees declared by the competent authority

Claim presentage amount

Total of 2 year salary*25%*90/730 = Claim amount

DEPENDANTS’ BENEFIT

If an employee dies in a wash accident then all his dependents will be given lifelong compensation by ESIC to meet their daily needs.

DISABLEMENT BENEFIT

If an employee is injured while working, due to which he is disabled, he lost his work ability, under this case he will be given lifelong compensation for disability benefits under ESIC.

MATERNITY BENEFIT

If a woman is pregnant then she can take advantage of this benefit till 26 weeks, under which she gets wages every month as per the ESIC Act.
And to avail this benefit women have to contribute in ESIC for 2 years.

SICKNESS BENEFIT

All women get sick during pregnancy, so they are given 4 weeks relaxation and they are also paid for that 4 weeks.

That is, that woman can take rest at home and she is allowed to take rest for 4 weeks from ESIC.

MEDICAL BENEFITS

In case an employee meets with an accident while working and is already registered with ESIC, that person is exempted for medical treatment.

And whatever the coverage amount is, it is waived off by ESIC.

This is Ravi Verma

In this article, I will tell you about the benefits of choosing a good health insurance premium plan.

Let’s start,

What is the importance of a health insurance policy?

At present, health insurance policy has become very important in India because there are many viruses living in our surrounding environment that can harm our health at any time.

And in today’s time, the number of vehicles on the road is increasing very fast, due to which there is always a rate of accident of anyone.

If any member of the family has any disease then the money is needed for its proper treatment and if money is not taken on time then the health of the patent deteriorates.

In today’s time, it has become very important for us to take good health insurance to deal with all these calamities so that we can meet the need for money for good treatment in time.

Benefits of choosing health insurance.

Health insurance premium includes a variety of benefits.

• Room Rent – If a person gets admitted to the hospital, then the health insurance policy gives him Normal Room Rent of 1% of SI and ICU Room Rent of 2% of SI.

• Pre ­Hospitalization Expenses – The health insurance company also provides the facility of PreHospitalization Expenses to its customer which starts from at least 30 days.

• Post­ Hospitalization Expenses – The health insurance company also provides the facility of post-hospitalization expenses to its customer which is covered for at least 60 days.

• Day Care Treatment – Within this, the health insurance company also gives some amount for the treatment of daily care to its customers on its behalf.

• Ambulance Charges – All health insurance companies also provide ambulance facilities for their patent in which they cover charges from 1000 to 2000

• Maternity Benefit – If a woman takes this policy, then the company also gives maternity benefits for her.

• Pre Existing Diseases – If a customer already has a disease and after that, if he takes a health insurance policy, then the company provides his service for his treatment.

• Lasik Surgery – If a customer has any problem with his eye, then the health insurance company gives him benefits up to +/7.50 D to get it fixed.

• Cancer Treatment – If someone has cancer, then the company will provide this facility to its customer for that also.

• Pre & Post Natal Expenses – If a woman takes this policy, then the company also gives Pre & Post Natal Expenses for her.

• Disease­wise Sub Limits – Any health insurance company covers its customer according to all types of diseases and there is no limit of any kind.

• Covid­19 Cover – All health insurance companies cover COVID-19.

• Waiting Periods – The first 30 Days and Specific Waiting Period is waived off.

• Domiciliary Hospitalization – Not all health insurance companies cover their Under Domiciliary Hospitalization, some companies cover it.

• Claim Settlement Ratio – All health insurance companies have a claim settlement ratio between 95 and 98.

Note*** Please choose the good and best health insurance premium policy.

The best insurance policy providers are PolicyBazaar and Ditto company.

Please visit this for more info:- https://www.godigit.com/health-insurance/benefits-of-health-insurance-in-india