दिल्ली के एक garment factory में काम करने वाले रमेश को कुछ महीने पहले appendix का operation कराना पड़ा। Private hospital में quote आया — ₹85,000।
उनके HR ने बताया — “आप ESIC-covered हैं। ESIC hospital में free होगा।”
ESIC hospital — operation हुआ — ₹0 खर्च। पत्नी की delivery भी ESIC hospital में हुई — maternity benefit अलग से।
ESIC (Employees’ State Insurance Corporation) — Ministry of Labour & Employment का social security scheme। ₹21,000/month तक salary वाले employees के लिए — जहाँ 10+ employees हों। Medical, maternity, sickness, disability, death — सब cover।
Official Portal: portal.esic.gov.in | Helpline: 1800-11-2526 (Toll-free)
Quick Answer: Employer challan: portal.esic.gov.in → Employer Login → Pay e-Challan Employee ESIC card: portal.esic.gov.in → Employee Login → Download e-Pehchan Card Hospital: portal.esic.gov.in → Hospital Locator → Nearest ESIC hospital Contribution rates: Employee = 0.75% | Employer = 3.25% Helpline: 1800-11-2526
ESIC किसे मिलता है?
| ✅ Covered | ❌ Not Covered |
|---|---|
| Monthly salary ≤ ₹21,000 | Salary > ₹21,000 |
| Company में 10+ employees | Company में < 10 employees |
| Factory/shop/office workers | Self-employed |
| Contract/casual workers | Gig workers (Ola/Swiggy — not covered) |
₹21,000 से ज़्यादा salary = ESIC compulsory नहीं।
Contribution Rates — 2026
| Who | Rate | Example (₹15,000 salary) |
|---|---|---|
| Employee | 0.75% | ₹112.50/month |
| Employer | 3.25% | ₹487.50/month |
| Total | 4% | ₹600/month |
Employee = 0.75% = बहुत कम। Benefits = ₹600 monthly contribution से कहीं ज़्यादा।
EMPLOYEE के लिए — ESIC Benefits
1. Medical Benefits
ESIC hospitals + dispensaries में free इलाज — employee + पूरे परिवार को। 36,000+ ESIC hospitals/dispensaries across India। Pre-existing diseases = कोई waiting period नहीं।
2. Sickness Benefit
बीमार होने पर = 70% wages up to 91 days/year। Long-term illness = extended sickness benefit — 2 years तक।
3. Maternity Benefit
26 हफ्ते paid maternity leave = 100% wages। Miscarriage = 6 weeks।
4. Disability Benefit
Permanent disability = monthly pension = income percentage।
5. Dependants’ Benefit
Employee की मृत्यु = dependants को monthly pension।
ESIC Card (e-Pehchan Card) — Download Karein
Step 1: portal.esic.gov.in → “Insured Person Login”
Step 2: IP Number (ESIC registration number) + Password → Login
Step 3: Dashboard → “Print e-Pehchan Card”
Step 4: Card download → Print → Hospital mein dikhayein
IP Number kahan milega? Salary slip mein / HR department se।
ESIC Hospital Locator
Nearest ESIC hospital dhundein:
portal.esic.gov.in → “Hospital Locator” → State → District → Nearest hospitals list
EMPLOYER के लिए — Challan Payment
e-Challan Generate + Pay
Step 1: portal.esic.gov.in → “Employer Login”
Step 2: Employer Code + Password → Login
Step 3: “Pay e-Challan” → Month select
Step 4: Employee details + wages verify
Step 5: Amount calculate → Payment mode select:
- Online (Net Banking/UPI/Card)
- Offline (bank challan print)
Step 6: Pay → Receipt download
Monthly deadline = 15th of next month. Example: April wages = May 15 tak pay।
Challan Status Check
portal.esic.gov.in → Employer Login → “Double Verification” → Challan number → Status
Common Problems + Fix
“IP Number/ESIC card nahi mila”: HR department se IP number lein। Ya portal.esic.gov.in → Employer Login → Employee list → IP number।
“ESIC hospital ne treatment refuse kiya”: ESIC card + valid coverage period dikhayein। Helpline: 1800-11-2526।
“Challan payment failed”: Transaction ID save karein → 24 hours wait → Status check। Helpline contact।
“Salary badh gayi ₹21,000 se zyada”: Next cycle se ESIC contribution stop होगी। Employer ko notify karein।
अक्सर पूछे जाने वाले सवाल
ESIC mein kitna contribution dena hota hai? Employee = 0.75% salary। Employer = 3.25% salary। Total 4%।
ESIC ke kya benefits hain? Free medical treatment (employee + family), 26 weeks maternity leave (100% wages), sickness benefit (70% wages 91 days), disability pension, dependants pension।
ESIC card kaise download karein? portal.esic.gov.in → Insured Person Login → IP Number → e-Pehchan Card download।
Helpline: 1800-11-2526 | portal.esic.gov.in
Official Links
| Purpose | Link |
|---|---|
| ESIC Portal | portal.esic.gov.in |
| Hospital Locator | portal.esic.gov.in → Hospital Locator |
| Helpline | 1800-11-2526 |
रमेश का operation ₹0 में हुआ। पत्नी की delivery — maternity benefit मिला।
ESIC-covered employees — portal.esic.gov.in से अपना e-Pehchan Card download करें। ₹21,000 से कम salary = ESIC = free hospital + multiple benefits।
Related Articles: