Employee State Insurance (ESI)

Employee State Insurance (ESI) is a self-financing social security and health insurance scheme for Indian workers. It is managed by the Employee State Insurance Corporation (ESIC) under the Ministry of Labour and Employment.

Applicability

• Establishments: Factories/establishments with 10+ employees (some states: 20+)
• Employee Eligibility: Gross salary up to Rs. 21,000 per month
• Coverage: Employee and their dependents

Contribution Rates

Contributor	Rate
Employer	3.25% of gross wages
Employee	0.75% of gross wages
Total	4.00% of gross wages

Benefits Under ESI

• Medical Benefit: Full medical care for employee and family
• Sickness Benefit: 70% of wages during certified sickness (up to 91 days)
• Maternity Benefit: Full wages for 26 weeks
• Disablement Benefit: Compensation for employment injury
• Dependents' Benefit: Pension to dependents on death
• Funeral Expenses: Rs. 15,000 for funeral

Registration Process

1. Register on ESIC portal (esic.in)
2. Submit establishment details
3. Upload documents (PAN, address proof, employee list)
4. Receive 17-digit ESIC code

Compliance Due Dates

ESI contributions must be deposited by the 15th of the following month.