The ESIC portal, managed by India's Ministry of Labour and Employment, is a key player in supporting the Employees’ State Insurance (ESI) scheme. This unique insurance initiative, backed by the Indian government, goes beyond regular medical coverage. It acts as a safety net during sickness, maternity, unfortunate events like death or disability, and even unemployment. Currently, over 13 crore employees and their families benefit from this comprehensive scheme.
We'll explore the ESIC employee login and ESIC employer login purposes within the ESIC portal. We'll also touch on the straightforward ESIC registration procedure, ensuring that this support system runs smoothly for everyone involved.
What is the ESIC Portal, And How does it Operate?
The ESIC portal is an important part of the Employees’ State Insurance Corporation (ESIC), operating independently under the Ministry of Labour and Employment. Its main job is to handle the ESIC member log-in panel and fund the Employees’ State Insurance (ESI) scheme.
This scheme is designed to take care of the medical needs of all Indian employees, starting initially for factory workers and expanding to cover the entire organized sector.
The funds for ESIC come from contributions by both employers and employees. Employers pitch in 3.25%, and employees contribute 0.75%, adding up to 4% of the total wages paid. This process is governed by the ESIC portal, following the rules laid out in the ESI Act of 1948.
Employees earning a daily average wage up to Rs.137/- are exempt from contributing, but employers still need to contribute on their behalf. This system ensures that everyone gets the necessary support according to their roles and wages.
What are the Criteria for Eligibility to Use the ESIC Portal Application?
For employers: It's a mandatory requirement if their organization has a workforce exceeding 10 employees.
On the employee side: There are specific criteria set by the committee to access the services and benefits provided by the ESIC portal.
- This scheme is applicable to employees working in a non-seasonal factory with more than 10 employees.
- The wage limit for eligibility stands at Rs. 21,000 per month (Rs. 25,000/- per month for persons with disabilities), and this criterion has been effective since January 1, 2017.
What Advantages does the ESIC Portal Offer?
In addition to complete medical coverage for the individual and their family, the insured can receive various benefits during periods of physical distress due to sickness, and more.
If the insured person faces a loss of earning capacity due to employment injury, occupational hazard, or unfortunately, death, their dependents become eligible for a monthly pension.
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ESIC Portal Services
The ESIC portal has a variety of services, neatly divided into two categories: Services for Employers and Services for Employees.
For Employers, these services include:
Employer Portal: This feature allows employers to efficiently update employee details, maintain wage contributory reports, and respond to absenteeism verifications.
Shram Suvidha Portal: This portal simplifies compliance with labor laws for organizations. It streamlines reporting through a single form, making it easier for those dealing with compliance. Key indicators are in place to objectively monitor performance.
For Employees, these services include:
IP Portal: The insured person can log in at http://www.esic.in/employeeportal/login.aspx using their insurance number (same as the username). Here, they can find details about contributions made on their behalf, check entitlement to various benefits, and more.
Tie-up Hospitals: ESI beneficiaries can go to or be referred to affiliated hospitals for any medical needs, whether it's an emergency or non-emergency. During the Covid-19 pandemic, the ESIC portal has enabled insured individuals to access medical facilities at these affiliated hospitals and private chemists, especially when many ESIC hospitals have been designated for Covid-19 treatment.
Scale of Medical Benefits: This feature informs insured persons and their family members about the set guidelines they should follow to access medical benefits.
ESIC Employer Login Process
Employers with more than ten employees must register within 15 days at the Employees’ State Insurance Corporation.
Step 1: To begin, visit the online employer portal at www.esic.in and log in with the ESIC Employer credentials.
Once registered, the employer will receive a 17-digit code and login details.** If not registered, find the process here.**
For Employers:
- Employers with more than 10 employees must fill out Form-01 and submit it to ESIC.
- Within 15 days, the company should receive a 17-digit unique Identification number from the Regional office, used for all scheme-related correspondence.
- This unique number is crucial for scheme-related communication. Along with Form-01, a declaration in Form 3 must also be submitted.
For Employees:
- When joining a Private Limited Company, employees need to complete Form-1 and provide a family photo to the employer.
- Under ESI, employees get a permanent photo ID and insurance number within 3 months for identification.
- If an employee switches companies, the registration can be transferred later on.
Step 2: Make sure the ESIC 'employer portal' is compatible with your browser – it works with Internet Explorer or Mozilla Firefox.
Visit the page by clicking on this link: https://www.esic.nic.in/.
Or else,
On the left side of the page, find 'Services.' Click 'Employer' and then 'Employer Portal.' Your browser may ask for permission to redirect you; grant it to access the Employer Portal.
Step 3: Click 'Click here to log in' on the right side.
Step 4: After receiving credentials, log in to submit employee details, including family members, residence address, and preferred clinic for medical treatment.
Benefits for Employers through the ESIC Portal include:
- Employers covered under the ESI scheme enjoy exemptions from the ‘Maternity Benefit Act and Employees’ Compensation Act for their employees.
- Employers are relieved from the responsibilities arising from the physical distress of workers, like employment injury or physical disablement resulting in wage loss. The ESIC portal offers financial assistance in such situations for insured employees.
- Any contribution made under the ESI Act is deductible when calculating 'Income' under the Income Tax Act.
ESIC Employee Login Process
Once an employee is registered by the employer, they become an 'Insured person.' The Insured person or employee can visit the employee portal to check their contributions to the ESI scheme and the benefits they're entitled to.
Step 1: To access the employee portal, click on the link provided: https://www.esic.nic.in/insured-person-employer-login. This ESIC Employee login portal is compatible with most web browsers.
Step 2: Click 'Services' located on the left side of the screen. Inside it, choose 'Employee,' and then click on 'IP Portal.'
Since the Employee Portal is an external page, your browser might request permission to redirect. Allow the redirection to continue.
Step 3: Use your 'Insurance number' as your username, enter the Captcha, and log in. Make sure to choose 'Insured Person.'
Once logged in, you can view the contributions made by both you and your employer to the scheme. Additionally, you'll find updates and details about other benefits that you can claim and are entitled to.
Benefits for Employees through the ESIC Portal include:
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Medical Benefits: Full medical support is provided to the employee and their family from the day they enter insurable employment. There is no limit set on treatment expenditure for both the individual and their family.
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Sickness Benefit: A cash compensation benefit equivalent to 70% of the total wages is payable to insured workers during certified sickness, lasting at least 91 days in a year.
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Maternity Benefit: Maternity benefit for confinement/pregnancy spans twenty-six weeks. It can be extended for an additional month on medical advice, with full wages, subject to contribution for 70 days in the preceding two Contribution Periods.
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Disablement Benefit:
a) Temporary Disablement Benefit (TDB): From the first day of entering insurable employment, and regardless of paid contributions in case of employment injury, 90% of the wage is payable as long as the disability continues under temporary disablement benefits.
b) Permanent Disablement Benefit (PDB): Paid at a rate of 90% of the wage in monthly payments, depending on the extent of loss of earning capacity as certified by a Medical Board.
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Dependents Benefit: Dependents Benefit (DB) is paid at a rate of 90% of the wage in monthly payments to the dependents of a deceased Insured person in cases where death occurs due to employment injury or occupational hazards.
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Other Benefits:
a) Funeral Expenses: An amount of Rs. 15,000/- is payable to the dependents or the person performing last rites from day one of entering insurable employment.
b) Confinement Expenses: For an Insured Woman or an I.P. in respect of his wife, if confinement occurs where necessary medical facilities under the ESI Scheme are not available.
