Defenitions
| Key Word | Explanation |
|---|---|
| Sickness Benefit | Sickness is a condition which necessiates medical attendance along with abstention from work. An employee suffering from any such sickness has to get the sickness or the incapacity certified from the ESI Institutions, normally from the ESI Dispensaries through the Insurance Medical Officers. |
| Medical Benefit (ചികിത്സാ ആനുകൂല്യം) | Medical benefit is the prime benefit with minimum conditions for eligibility with an exception that it is the only bennefit which is available in kind. This benefit is available to the family members of the Insured person also. Any employee who joins an insurable employment becomes entitled to medical benefit from the date of joining itself initially for three months and if he continues in employment for 3 months or more he becomes entitled to medical benefit till he begibbing of the benefit period, corresponding to the contribution period in which he joins the employment. (ഇ.എസ്.ഐ. നിയമപ്രകാരം സഭിക്കുന്ന ഏറ്റവും പ്രധാനപ്പെട്ട ആനുകൂല്യം. ഇന്ഷ്വര് ചെയ്യപ്പെട്ട വ്യക്തിക്കും കുടുംബാംഗങ്ങള്ക്കും ആനുകൂല്യം ലഭിക്കും. ഇന്ഷ്വര്ചെയ്യപ്പെട്ട തൊഴിലില് പ്രവേശിച്ച ദിവസം മുതല് ചികിത്സാ ആനുകുല്യത്തിന് അര്ഹതയുണ്ട്.) |
| Benefit Period | The calendar year is divided into two parts and each part is called benefit period. The first part is from January 1 to June 30 and the second part is from July 1 to December 31. I.e. the benefit periods are January 1 to June 30 and Julyu 1 to December 31. |
| Contribution period | The financial year is divided into two parts and each part is called contribution period. The first part is from April 1 to September 30 and the second is from October 1 to March 31. In short the contribution periods are April 1 to September 30 and July 1 to March 31 |
| Insurable Employment | Insurable employment means an amployment in a factory or establishment to which the ESI Act is applicable. Normally EsI Act is applicable to an employee who draws a monthly salary up to Rs.15000 per month excluding the over time wages and such sections of wages of irregular nature. In short there is wage ceiling of Rs.15000/- per month for coverage under the ESI Act and those employees who draw a monthly remuneration of more than Rs.15000/- do not come under the purview of the ESI Act. But even these excluded category of employees whose monthly salary is higher than that of Rs.15000/- per month are said to be in Insurable employment, if they are workin in a factory or establishment to which the ESI Act is applicable, irrespective of the fact they the are exempted from the ESI Act. |
| Insured Person | Every employee and employer(The owner of the factory or establishment) have to contribute their shares to the ESI Corporation and because of their payment of contribution the employees are becoming eligible for enjoying the benefits available under the ESI Act. One person who is eligible for at least one of the benefits either because of he contributes now or by the reason he contributed in the past is said to be an Insured Person. In short, he need not be in service to be an Insured Person, but if he is eligible for any one of the benefits available under the Act, he comes under the definition of Insured Person. All employees are Insured Persons, where all Insured Persons need not be employees. |