ESI buys medical cover for lower-wage employees and their dependants. It is contribution-based, applies below a wage ceiling, and the employer pays the larger share.
Employee 0.75 %, Employer 3.25 % — only when gross monthly wages ≤ ₹21,000.
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Check the employee's gross monthly wages against the ESI wage ceiling.
If covered, the employee contributes 0.75% of gross wages.
The employer contributes 3.25% of the same gross wages.
Contributions are payable for the whole contribution period even if wages later cross the ceiling mid-period.
On gross wages of ₹20,000 a month, the employee contributes ₹150 and the employer ₹650, for a total of ₹800.
Contributions continue until the end of the current contribution period. Coverage does not stop the moment wages rise.
No. ESI is a statutory scheme run by ESIC with its own hospitals and dispensaries. Many employers provide a group mediclaim policy in addition.
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