Medical Benefits

Insured persons and their dependants are entitled to full medical care from day one of taking up employment in any factory or establishment covered under the ESI Act 1948. The comprehensive package includes primary medical care, specialists and diagnostic services, in-patient care with provision for all super specialist facilities. The scheme provides full range of medical care, namely;

      Out-Patient services
   
  Diagnostic services
   
  Specialists services
   
  Hospital service through a network of ESI dispensaries & Panel clinics, diagnostic centers and ESI Hospitals.etc

The package covers all aspects of health care from primary to super-specialist facilities as detailed below:-

   
  Out patient treatment
   
  Domiciliary treatment
   
  Super-speciality treatment
   
  Specialist consultation and diagnostic facilities
   
  In-Patient treatment
   
  Free supply of drugs and dressings.
   
  X-ray and laboratory investigations
   
  Vaccination and preventive inoculations
   
  Ante-natal care, confinement and post natal care
   
  Ambulance Service or conveyance charges for going to hospitals, diagnostic centers, etc. wherever admissible
   
  Free diet during admission in hospitals
   
  Free supply of artificial limbs, aids and appliances for physical rehabilitation
   
  Family welfare services and other national health programe services
   
  Medical certification
   
  Special provisions including super-speciality treatment.

For super-speciality treatment such as

Open Heart Surgery, Neuro Surgery, Bone Marrow Transplant, Kidney Transplant or specialized investigations like CAT scan, MRI, Angiography etc diagnostic facilities or surgical intervention is borne by the ESI Scheme.

Referral arrangements have been made with the reputed , premier hospitals of the country. The total cost of such treatment, diagnostic facilities or surgical intervention is borne by the ESI Scheme.

Though medical care is provided, by and large, to the beneficiaries in modern system of medicine (Allopathic), facilities in indigenous systems such as (i) Ayurveda (ii) Unani (iii) Homoeopathy & Siddha are also being provided to the insured persons, on demand in many areas

Extension of medical cover to the Retired and Disabled Insured Persons and their spouses (Rule 60 & 61 of ESI Central Rules - 1950).

The scheme also provides for a comprehensive medical cover to the retired and disabled insured persons and their spouses on pre-payment of a nominal contribution of Rs.120/- per annum, per couple, provided that the insured person was in continuous insurable employment for at least 5 years before retirement. The scheme, thus, offers total medical cover to the retired and disabled employees without any upper ceiling on expenditure at a very low premium when compared with medical cover schemes introduced by some other insurance agencies in the business of medical insurance.