ESIS

EMPLOYEES STATE

INSURANCE SCHEME

PRESENTED BY :--GROUP 5

21 BHUPENDRA BHALAVI 22 DEEPAK YADAV 23 DEEPIKA BANSAL 24 DHARMESH LAD 25 GEETA MANDHANI

GUIDED BY:-- DR. A.K. KHATRI DR. GEETA SHIVRAM

WHAT IS ESIS ?AN INTEGRATED MEASURE OF SOCIAL

INSURANCE

EMBODIED IN ESI ACT

TASK OF PROTECTING EMPLOYEES AGAINST HAZARD OF

SICKNESSS MATERNITY DISABLEMENT DEATH

& MEDICAL CARE TO & THEIR

HOW DOES ESIS ASSIST WORKER ???1.DEPENDENCE ON CASH INCOME - MODERN ECONOMY

2.INTERRUPTION OF MONEY INCOME

SMALL PERIOD PROLONG LOSS

HARDSHIP

CATAS TROPHE

3.AS PROVIDER ----IT AMERIOTE-----ECONOMIC ANXIETY

ACT AS A FRIEND IN NEED & STRESS

WHY ESI, A HEALTH SCHEME ???

DUAL ROLE

MEDICAL CARE CASH ASSISTANCE

RESTORE HEALTH

SUSTAIN INCOME THUS

BETTER WORKING CAPACITY

HEALTHIER WORKER

SECURE WORKER & HAPPIER

EMPLOYEE

NEED OF ESI IN INDIA ECONOMIC PROGRESS α industrial growth α relation b\w employer & employee

WITH GLOBALISATION 1.SHIFTING OF LABOUR FORCE

2.INDIA IS EMERGING - MAJOR LABOUR MARKET

CONCERNING INDIA - ROOT IN GLOBAL MARKET

BASIC PROTECTION FOR ALL WORKMEN & A DIALOUGE B/W STAKE HOLDERS

G

W E

WHERE ESIS STANDS IN PSM ?

PREVENTION OF OCCUPATIONAL DISEASES

MEDICALMEASURES

ENGINEERINGMEASURES

LEGISLATION

1.THE FACTORY ACT , 19482.THE ESI ACT , 1948

OCCUPATIONAL HEALTH

ESSENTIALLY A PREVENTIVE MEDICINE WITH AIMS OF :- 1.PROMOTION & MAINTENANCE

2.PREVENTION

3.PROTECTION

4.PLACING & MAINTENANCE

ADOPTION OF WORK TO MAN & EACH MAN TO HIS JOB

TO SUMMARIZE

OCCUPATONAL HAZARDS

PHYSICAL CHEMICAL BIOLOGICAL MECHANICAL PSYHOSOCIAL

1.HEAT & LIGHT2.COLD3.NOISE4.VIBRATON5.RADIATION

1.LOCA L ACTION2.INHALATONGASES

ANTHRAXBRUCELLOSISLEPTOSIROSIS

INFECTIVEAGENTS

10 % ACCIDENTS*INSECURITY*JOB DISSATISFACTION*POOR HUMAN RELATION*FRUSTRATION

WHY LEGISLATION IMPORTANT?

1. GOVERN THE CONDITION

2.SAFEGUARD THE HEALTH & WELFARE OF WORKER

1.WORKER IS MORE IMPORTANT THAN MACHINE2.ONE CANNOT PERMIT WORKE R TO ENDANGER HIS LIFE

LAWS HAVE TO BE FRAMED TO……….

SOCIAL SECURITY FOR INDUSTRIAL WORKERLEGISLATION ARE->1.WORKMAN COMPENSATION ACT ,19232.CENTRAL MATERNITY BENEFIT ACT ,19613.FAMILY PENSION SCHEME ,19714.ESI ACT ,1948

SOCIAL SECURITY ??????

“SECURITY THAT SOCIETY FURNISHES THROUGH APPROPRIATE ORGANIZATION AGAIN ST CERTAIN RISKS TO WHICH IT’S MEMBRES ARE EXPOSE “

SOCIAL SEURITY REFERS TO

SOCIAL INSURANCE

INCOME MAINTENANCE

SERVICES

INSURANCE SCHEME

CASH ->MEDICAL CARE ->SOCIAL WORK

->PENSION->DISABILITY INSURANCE ->SURVIVAL BENEFIT->UNEMPLOYMENT

INTERUPTION OF EMPLOYMENT

->RETIREMENT ->UNEMPLOYED

COVERAGE

ESI Act also applied to (coverage of Factories)

Factories using power in manufacturing process and employing 10 or more persons.

Non power using factories or establishment employing 20 or more persons.

Provisions of act to other classes of establishments

INDUSTRIAL COMMERCIAL AGRICULTURAL OR OTHERWISE

THESE PROVISIONS UNDER STATE GOVT. HAVE EXTENDED TO FOLLOWING CLASSES

Shops Hotels and Restaurants Cinemas including preview theaters Road Motors transport undertakings Newspaper Establishments

ESI applicable to over 2 lakh

Industrial units across the country.

AREAS COVERED ESI scheme is being implemented area

wise

STATESAll the states except Nagaland, Manipur,

Tripura, Arunachal Pradesh & Mizoram

UNION TERRITORIESDehli, Chandigarh and Pandichery

(As on 31-03-06)

No. of the Insured persons family units = 91,48,605No. of the employees = 84,00,526Total no. of beneficiaries = 3,54,96,589 No. of the Insured women = 15,43,250 No. of the employees = 3,00,718

INDOREREGIONAL OFFICE

PANCHDEEP BHAWAN, NANDA NAGAR INDORE

BRANCH OFFICES INDUSTRIAL ESTATE, MARIMATA CHOURAHA INDORE 15 YASHWANT NIWAS ROAD INDORE4 NEHRU NAGAR INDORECITY BRANCH OFFICE 14 Y. N. ROAD INDORE

HOSPITALSGENERAL HOSPITAL NANDA NAGAR T. B. HOSPITAL NANDA NAGAR

DISPENSARIESESI BUILDING NEHRU NAGARNANDA NAGAR

COVERAGE IN INDORE

TOTAL NO. OF THE EMPLOYERS COVERED = 2,364

NO. OF THE EMPLOYEES (APPROVED) MILL AREA = 8,337

NO. OF THE EMPLOYEES (APPROVED) NEHRU NAGAR = 1,786

NO. OF THE EMPLOYEES (APPROVED) CITY = 4,164

NO. OF THE EMPLOYEES (APPROVED) IND. ESTATE = 19,198

NO. OF THE INSURED PERSONS(APPROVED) MILL AREA =9,835

NO. OF THE INSURED PERSONS(APPROVED) NEHRU NAGAR =2,120

NO. OF THE INSURED PERSONS(APPROVED) CITY =4,912

NO. OF THE INSURED PERSONS(APPROVED) IND.ESTATE =22,663

COVERAGE OF EMPLOYEES

1) A monthly wage limit is prescribed by central govt. for the purpose of coverage of employees/workers of aforesaid factories.

2) The wage ceiling is enhanced from time to time. The existing ceiling is Rs. 10,000/month.

ADMINISTRATION

ESI CORPORATION MEMBERS

1) Chairman – Union minister of Labour, Govt. of India

2) Vice chairman – secretary to Govt. of India, Ministry of Labour

3) < 5 persons appointed by central Govt.

4) One person from each state

5) One person representing the Union Territories

6) 10 persons representing employers

7) 10 persons representing employees

8) 2 persons representing the medical profession

9) 3 members of parliament

10) Director general of the corporation

STANDING COMMITTEE

The committee meets twice a year to formulate policies etc.

This committee formed from the members which executes the decisions.

DIRECTOR GENERAL CHIEF ADVISORASSISTED BY 1) MEDICAL COMMISSIONER 2) INSURANCE COMMISSIONER 3) FINANCIAL COMMISSIONER 4) ACTUARY

ACTUARY Trained in maths, accounts, static’s

MEDICAL BENEFIT COUNCILHeaded by DGHS India and assisted by medical commissioner in all aspects related to medical relief.

Minister of State (Independent Charge) for Labour and Employment, Shri Oscar Fernandes

EMPLOYEE INSURANCE COURT

The state Govt. shall constitute this for the local areas. The court shall

Decide any question or dispute arises in rates or

payment of contribution, rates of wages.

Violations of right to any benefit and as to amount and duration.

In contravention person shall be liable for punishment.

FINANCECONTRIBUTION

Employers contribute 4.75% of total wage bill

Employees contribute 1.75 of total wage bill

ADMINISTRATIVE EXPENSES 2/3 by central Govt.

& 1/3 by state Govt.

MEDICAL ASPECTS 7/8 by central Govt. & 1/8 by state Govt.

EXEMPTION

If employee receives < 50 Rs./day

CONTRIBUTION PERIOD & BENEFIT PERIOD

COLLECTION OF COTRIBUTION

Employee shall pay at above specific rates within 21 days of last day of the calendar month.

Two contribution periods each of 6 months duration

Two corresponding benefit periods also of 6 months duration

INCOME / EXPENDITURE ACCOUNT

1)1) INCOMEINCOME AmountAmount (Rs. (Rs. in lakhs in lakhs

Actuals for 2000-2001 Actuals for 2000-2001 1,56,428.23 1,56,428.23

Actuals for 2001-2002  Actuals for 2001-2002  1,73,019.26 1,73,019.26

Actuals for 2003-04 Actuals for 2003-04 1,97,564.00 1,97,564.00

Actuals for 2004-05 Actuals for 2004-05 2,24,606.05 2,24,606.05

Actuals for 2005-06 Actuals for 2005-06 2,41,061.77 2,41,061.77

TOTAL EXPENDITURETOTAL EXPENDITURE AmountAmount (Rs. in (Rs. in lakhslakhs

Actual expenditure for 2000-01 Actual expenditure for 2000-01 1,08,258.141,08,258.14

Actual expenditure for 2001-02  Actual expenditure for 2001-02  1,10,412.04 1,10,412.04

Actual expenditure for 2002-03 Actual expenditure for 2002-03 1,11,832.001,11,832.00

Actual expenditure for 2003-04 Actual expenditure for 2003-04 1,17,048.001,17,048.00

Actual expenditure for 2004-05 Actual expenditure for 2004-05 1,25,819.53 1,25,819.53

Actual expenditure 2005-06Actual expenditure 2005-06 1,27,896.161,27,896.16

BENEFITS OF ESI

The section 46 of ESI ACT provides the following social security Benefits---

(a) MEDICAL BENEFIT

(b) SICKNESS BENEFIT 1- Extended sickness benefit

2- Enhanced sickness benefit

(c) MATERNITY BENEFIT

(d) DISABLEMENT BENEFIT

BENEFITS OF ESI conti….

(e) DEPENDENTS BENEFITS 1-Temporary disablement benefit

2-Permanent disablement benefit

(f) FUNERAL EXPANSES

(g) NEED BASED BENEFITS 1-Rehabilitation benefits

2-Vocational rehabilitation 3-Unemployment allowance (under Rajiv Gandhi Shramik Kalyan Yojna)

MEDICAL BENEFITS• Insured medical persons and their dependents are entitled to

medical care from day 1 of taking up employment in any factory or establishment covered under ESI ACT 1948.

The forms of medical care are—

FULLMEDICALCARE

EXPANDED MEDICAL CARE

RESTRICTED MEDICALCARE

OVERALL PACKAGE1. Out patient treatment2. Domiciliary treatment3. Super speciality treatment4. Specialist consultation & diagnostic facilities5. In patient treatment6. Free supply of drugs & dressings7. X-ray & lab investigations8. Immunization9. Antenatal care, confinement, & postnatal care10. Ambulance services11. Free diet during stay in hospital12. Free supply of artificial limbs, aids, & appliances for physical rehabilitation13. Family welfare services14. Medical certification

PATTERN OF DELIVERY

DIRECT PATTERN INDIRECT PATTERN

• FULL TIME DISPENSARIES

• PART TIME DISPENSARIES

• MOBILE DISPENSARIES

•PANEL SYSTEM

•INSURANCE MEDICAL PRACTITIONERS

PATTERN OF DELIVERY

PANEL CLINICSESI DISPENSARIES

ESI HOSPITALSDIAGNOSTIC CENTRES

MEDICAL BENEFITS TO FAMILY MEMBERS

Members of IP are entitled to free, full & comprehensive medical careUnder the scheme.

The package includes all aspects of health care.

The family members can get benefit at the same station where IP is posted.

If the family members reside at some other station but under implemented area then also they will be provided medical benefits.

MEDICAL BENEFITS TO RETIRED & DISABLED

PERSONSAs per rules 60 &61 of ESI central rules.

For IP who loses job due to employment injury.

For IP who leave employment on attaining the age of superannuation.

Benefits to the IP & their spouses.

Provided on payment of contribution in lump sum for one year @ Rs10 in advance.

SICKNESS BENEFITS

Periodical cash payments to an IP during the period of a certified sickness, occuring in a benefit period.

50% of daily wages.

Payable for 91 days during 2 consecutive benefit periods.

QUALIFYING CONDITIONS—Contribution for not less than 78 days during corresponding contribution period.

At least 9 months of employment.

Waiting period of 2 days are not payable.

EXTENDED SICKNESS BENEFITS

Additional to 91 days of sickness benefit.

50% daily wages

Payable for an extended period of 2 years, in a ESB period of 3 years.

Applicable if the IP has been in continuous job for at least 2 years.

w.e.f. from 1-1-2000, 34 diseases are considered for extended sickness benefit.

DISEASES CONSIDERED IN ESB

(I) INFECTIOUS DISEASES1. TB2. Leprosy3. Chronic empyema4. AIDS

(II) NEOPLASMS5. Malignant diseases

(III) ENDOCRINAL, NUTRITIONAL & METABOLLIC DISORDERS6.DM with Proliferative retinopathy, diabetic foot, nephropathy.

DISEASES CONSIDERED IN ESB conti…

(IV) DISORDERS OF NERVOUS SYSTEM 7.Monoplegia 8.Hemiplegia

9.Paraplegia10.Intracranial space occupying lesions11.Hemiparasis12.Spinal cord compression13.Parkinsons disease14.Myasthemia gravis

(V) DISEASES OF EYE15.Immature cataract with vision 6/60 or less16.Detachment of retina17.Glaucoma

DISEASES CONSIDERED IN ESB conti…

(VI)DISEASES OF CVS18.Coronary artery diseases19.Congestive heart failure20. .Cardiac valvular diseases21.Cardiomyopathies22.Heart diseases with surgical intervention / complications

(VII)CHEST DISEASES23.Bronchiectasis24.Interstitial lung diseases25.COPD with cor pulmonale

DISEASES CONSIDERED IN ESB conti…(VIII) DISEASES OF DIGESTIVE SYSTEM

26.Cirrhosis of liver with ascites or chronic active hepatitis

(IX) ORTHOPAEDIC DISEASES27.Dislocation of vertebra / prolapse of intervertebral disc.28.Nonunion or delayed union of fracture.29.Post traumatic surgical amputation of lower extremities.30.Compound fracture with chronic osteomyelities.

(X) PSYCHOSIS31.Subgroups—

a.Schizophreniab.Endogenous depressionc.Manic depressive illnessd.Dementia

DISEASES CONSIDERED IN ESB conti…

(XI) OTHERS32.>20% burns with infection / complications33.Chronic renal fialure.34.Reynaud’s disease / Burger’s disease.

• Additional 730 cases may be considered by Director General or Medical Commissioner.

ENHANCED SICKNESS BENEFITS• w.e.f. 1-8-1976.

• Incentive to IP undergoing tubectomy / vasectomy.

• 100% of daily wages.

• Tubectomy – 14 days

• Vasectomy – 7 days

• Starts from date of operation or date of admission in hospital.

• Period is extendable in case of complications.

To insured woman as cash in case of1. Confinement2. Miscarriage3. Sickness

CONTRIBUTARY CONTRIBUTARY CONDITIONSCONDITIONS

Same of sickness benefit

BENEFITBENEFIT100% of wages

5

DURATION OF BENEFITDURATION OF BENEFIT1.For confinement 12

weeks2. For Miscarriage 6 weeks3. For Sickness 4 weeks

MEDICAL BONUSMEDICAL BONUS Lump sum payment Rs. 1000/- If she doesn’t avail free medical care at

time of delivery

“EMPLOYMENT INJURYEMPLOYMENT INJURY” Personal injury Due to accident or occupational disease During employment in factory under ESI

Act TYPES OF DISABLEMENTTYPES OF DISABLEMENTTemporaryTemporary Permanent Partial Permanent Partial Permanent TotalPermanent Total

BENEFITBENEFIT Cash payment Free medical

services

BENEFIT RATEBENEFIT RATE TemporaryTemporary roughly equal to 70% of wages

Permanent Permanent Total - roughly equal to 70% of wages Partial- proportionate to % of loss of

earning capacity determined by medical board

LIST OF % LOSS OF EARNING CAPACITY PART 1 INJURIES CAUSING PERMANENT TOAL DISABILITY

INJURIES % OF LOSS OF EARNING

LOSS OF BOTH HANDS LOSS OF BOTH HANDS 100%100%

LOSS OF HANDS & a LOSS OF HANDS & a FOOTFOOT

100%100%

PART- 2 INJURIES CAUSING PERMANENT PARTIAL DISABLEMENT

AMPUTATION AMPUTATION THROUGH SHOULDER THROUGH SHOULDER JOINTJOINT

90%90%

LOSS OF THUMBLOSS OF THUMB 30%30%

LOSS OF ONE EYELOSS OF ONE EYE 40%40%

MIDDLE FINGERMIDDLE FINGER 12%12%

DURATIONDURATION• TDB – Till the disability lasts waiting period of 3 days Permanent – paid for life in form of pension

CONTRIBUTARY CONDITIONSCONTRIBUTARY CONDITIONS None IP is eligible from very first day of joining

• periodical payments• dependants of an insured person • dies as a result of an employment

injury/occupational disease.

BENEFICIERIESBENEFICIERIES1.Widow2.Son or daughter3.Other dependants-

BENEFITBENEFIT At rate of 70 % of wages Shared by dependants in fixed ratio.

3/5 3/5 (widow) 2/52/5(son&daughter)

CONTRIBUTARY CONDITIONSCONTRIBUTARY CONDITIONS None IP is eligible from very first day of

joining

Lump sum payment up to Rs. 2,500/- Rs. 2,500/- made for expenditure on the funeral of deceased insured person.

Funeral expense is payable to-payable to- Eldest surviving memberOr person who actually spends on funeral

• On monthly payment of Rs. 10,Rs. 10,• Insured person & family members get

medical treatment,• After permanent disablement or retirement

TYPE PHYSICALPHYSICAL VOCATIONALVOCATIONAL

PHYSICAL REHABILITATIONPHYSICAL REHABILITATIONPhysical aids - wheel chairs, crutches, dentures, specs etc. VOCATIONAL REHABILITATIONVOCATIONAL REHABILITATION Financial assistance 100% of wages who are reffered to rehabilitation centre

for trainingConditions• Disability should be =/> than 40%• Upto 45 yrs of age

Preventive health carePreventive health care Preventive health care services such as

immunization, family welfare services, HIV/AIDS detection, treatment etc.

Old Age Medical CareOld Age Medical CareOld age Medical care for self and spouse at

a nominal contribution of Rs. 120/- per annum.

Rajiv Gandhi Shramik Kalyan YojanaRajiv Gandhi Shramik Kalyan Yojana

a. Exemption from Workmen’s Workmen’s compensation Act compensation Act 1923

b. Exemption from Maternity benefit Act Maternity benefit Act 1961

c. Exemption from payment of Medical Medical allowance allowance or arranging medical caremedical care.

d. Rebate under the Income tax Act Income tax Act on contribution in ESI account

e. Healthy work force which leads to

WEALTHWEALTH

RAJIV GANDHI SHRAMIK RAJIV GANDHI SHRAMIK KALYAN YOJANAKALYAN YOJANA

DEFINITIONESI SCHEME HAS INTRODUCE A SCHEME OF UNEMPLOYMENT ALLOWANCE TO THE IPS & THEIR FAMILY WHO HAVE BEEN RENDERED UNEMPLOYED INVOLUNTARILY DUE TO ………..

1. CLOSURE OF THE FACTORY2. ESTABLISHMENT 3. RETRENCHMENT OR PERMANENT INVALIDITY ARISING OUT OF NON – EMPLOYMENT INJURY

INTRODUCE- FIRST APRIL 2005

KINDS OF EMPLOYMENT KINDS OF EMPLOYMENT COVERED UNDER THE SCHEMECOVERED UNDER THE SCHEME1. RETRENCHMENT AS DEFINED IN THE

INDUSTRIAL DISPUTES ACT , 1947

2. CLOSURE OF THE FACTORY / ESTABLISMENT ACT AS DEFINED IN THE INDUSTRIAL 1947

3. PERMANENT INVALIDITY NOT LESS THAN 50%

ARISING OUT OF NON EMPLOYMENT INJURY.

UNEMPLOYMENT ALLOWANCEUNEMPLOYMENT ALLOWANCE

1. ELIGIBILITY CONDITION

2. DISQUALIFICATION / TERMINATION

3. HOW TO CLAIM

4. DURATION & RATE

5. MEDICAL CARE

ELIGIBILITY CONDITIONELIGIBILITY CONDITION

1. THE PERSON SHOULD HAVE BEEN, AN INSURED PERSON , UNDER ESI ACT

2. IP SHOULD HAVE CONTRIBUTED UNDER THE ESI SCHEME ,FOR A MINIMUM PERIOD OF FIVE YEARS PRIOR TO LOSS OF EMPLOYMENT

3. THE IP SHOULD QUALIFY FOR

SICKNESS BENEFIT

4. UA SHALL CEASE TO BE PAYABLE FROM THE DATE THE IP GETS REMPLOYED ELSE WHERE

5. THE UA CAN BE AVAILED OF IN ONE SPELL OR IN DIFFERENT SPELLS OF UNEMPLOYMENT PROVIDED WHICH NOT BE LESS THAN ONE MONTH

6. ONLY THE IP WHO COVER TERM & CONDITION OR AFTER FIRST APRIL 2005 SHALL BE TO RECEIVE UA

7. THE PAYMENT OF UA SHALL BE SUB TO THE PROVISION OF SECTION 61 OF THE ESI ACT

1948

DISQUALIFICATION / DISQUALIFICATION / TERMINATION OF UATERMINATION OF UA

CONDITION FOR DISQUALIFICATION 1.DURING LOCKOUT

2.LAY OF/TEMPORARY CLOSUER OF FACTORY

3.STRIKE RESORTED TO BY THE EMPLOYEES

4.VOLUNTARY ABANDONMENT OF EMPLOYMENT/ PREMATURE RETIREMENT 5. LESS THAN FIVE YEAR CONTRIBUTORY SERVICE

6.ON OBTAINING THE AGE OF SUPERANNUATION OR SIXTY YEARS WHICHEVER IS EARLIER

7.CONVICTED (i.e.PUNISHED FOR FALSE STATEMENT)

UNDER THE SECTION 84 OF ESI ACT WITH RULE 62

8.ON BEING RE-EMPLOYED ELSE WHERE DURING

THE PERIOD HE/SHE IS IN RECEIPT OF UA 9.DISMISSIAL/TERMINATION UNDER DISCIPLINARY

ACTION 10.ON DEATH OF IP

HOW TO CLAIMHOW TO CLAIM

TIME – ANY TIME BUT NOT LATER THAN 3 MONTHS

FROM THE DATE OF RETRENCHMENT / UE

TO WHOM –APPROPRIATE BRANCH OFFICECERTIFICATE – ISSUED BY INSPECTOR OF

FACTORIES ,ASST/DEPUTY COMMISSIONER , LABOUR ,WORKMAN COMPENSATION COMMISSIONERE

MODE OF PAYMENT OF ALLOWANCE

THE ALLOWANCE IS PAYABLE BY ACCOUNT PAYEE CHEQUE ONLY

PAYMENT IN THE EVENT OF DEATH OF INSURED PERSON

THE AMOUNT OF UA UPTO & INCLUDING DATEOF DEATH OF IP , IS PAYABLE TO HIS/HER NOMINEE /LEGAL HEIR.

DURATIONDURATION

THE MAX. DURATION FOR WHICH AN IP SHALL BE ELIGIBLE TO DRAW THE UA DURING HIS/HER

ENTIRE LIFE TIME WOULD BE SIX

MONTHS .

RATE OF UNEMPLOYMENT RATE OF UNEMPLOYMENT ALLOWANCEALLOWANCE 1. PERSON WHO BECOME UE SHALL BE

CALCULATED ON THE BASIS OF AVG. DAILY WAGE

DURING THE LAST 4 COMPLETED CONTRIBUTION PERIODS .

2. THE DAILY RATE OF UA SHALL BE THE STANDARD BENEFIT RATE AS SPECIFIED IN THE TABLE OF STANNDARD BENEFIT UNDER RULE 54

OF ESI (CENTRAL) RULES 1950 CORRESPONDING TO THE AVG. DAILY WAGE SO ARRIVED

MEDICAL CAREMEDICAL CARE

FOR WHOM – HIMSELF/HERSELF & HIS/HER FAMILY

FROM WHERE – ESI DISPENSARIES/ESI HOSP./ IMPS CLINIC

TIME PERIOD – CORESPONDING TO CONTRIBU

TION PERIOD BEFORE UE

ON THE EVENT OF DEATH OF IP – FAMILY GETS MED. CARE FOR 8 MONTHS

THANK YOU