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Benefits @ a glance

Benefit Contributory conditions Duration Rate
Sickness benefit
 
more info 
Payment of contribution for at least 78 days in the relevant contribution period 91 days in any two consecutive benefit periods

 

Standard benefit rate (not less than 50% of daily wages)
Extended Sickness benefit (ESB)
 
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Continuous employment for a period of 2 years and payment of contribution for at least 156 days in 4  contribution periods. 

 

up to 2 years in deserving cases 140% of the standard benefit rate (not less than  70% of daily wages.
Enhanced Sickness Benefit
  more info 
Payment for at least 78 days in the relevant contribution period 7 days for vasectomy and 14 days for tubectomy extendable in case of post operative complication etc. 

 

Twice the standard benefit rate.
Temporary
Disablement Benefit
  more info 
No condition.   Till the incapacity lasts 140% of the Standard Sickness Benefit rate (not less than 70% of daily wages)
Permanent disablement benefit
  more info 
No condition for life Upto 140% of the Standard Sickness Benefit rate. 
Dependant's benefit
 
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No condition To widow/widows for life or until remarriage. 
To legitimate or adopted son/ unmarried daughter till age of 18 years.
To legitimate infirm son.
To legitimate adopted son/unmarried infirm daughter till infirmity lasts.   
To widowed mother
Upto 140% of the Standard Sickness Benefit rate (not less than  70% of  daily wages to be divided among the dependants in the prescribed ratio.
more info 
 
Maternity benefit
 
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Payment  of contribution for 70 days in immediately preceding two consecutive periods. 12 weeks of which not more than six can  precede the expected date of confinement; 
6 weeks for mis-carriage and additional one month for sickness arising out of confinement, premature birth of child or miscarriage
Double the Standard Benefit rate (Not less than full wages)
more info
Medical Benefit
 
more info 
No condition. IP and his family is eligible from the day one of his insurable employment.   To start with for a period of 3 months or till the spell of treatment lasts whichever is later and thereafter based on payment of contribution Full medical care. Facilities including hospitalization for insured person and family.
more info
Other Benefits
Funeral Expenses
more info 
No condition . Diseased IP should be an IP on the date of death. One time payment Actual expenditure on funeral not exceeding Rs. 5000/-
Rehabilitation allowance
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No condition For each day on which insured person remains admitted in Artificial limb centre for fixation / repair or replacement of artificial limb. Double the standard sickness benefit rate but not less than  full wages
Vocational  Rehabilitation
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Insurable employment upto 40% permanent disablement and below 45 years age. Till such training lasts at a recognized centre / institute  
Medical Benefit to disabled insured persons
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On payment of Rs. 10 per month in lumpsum for one year in advance Period for which contribution is paid till attaining the age of superannuation Full medical care for self and spouse only. 
Medical Benefit to retired persons 
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On payment of Rs. 10 per month in lumpsum for one year in advance (who leave insurable employment  on attaining the age of superannuation after being insured for not less than five years) Period for which contribution is paid Full medical care for self and spouse only.
 
Confinement expenses
more info 
No condition other than insurable employment of self/spouse.
 
Rs. 1000 is paid as a lumpsum grant towards confinement expenses to an insured woman, wife of insured person. payable for two confinements only

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