ESIC Benefits Every Employee in Satara Should Know
By Shree HR Services, Satara · 2026-10-18 · 7 min read
ESIC is much more than a hospital card. Here is a simple guide to ESIC eligibility, contribution rates and the medical, sickness, maternity, disablement and unemployment benefits available to workers in Satara.
Who is covered under ESIC?
The Employees’ State Insurance scheme applies to factories and notified establishments in Maharashtra employing 10 or more persons. Employees earning gross wages up to Rs 21,000 per month (Rs 25,000 for persons with disability) are covered. Satara city, Satara MIDC and most industrial areas of the district are ESIC-implemented areas.
Under the Code on Social Security, 2020, the government can extend ESIC coverage to more establishments and areas, so even small employers should check their status.
ESIC contribution rates
- Employee contribution: 0.75% of gross wages.
- Employer contribution: 3.25% of gross wages.
- Employees earning an average daily wage up to Rs 176 are exempt from their share; the employer still pays 3.25%.
- Contributions are due by the 15th of the following month.
- Contribution periods: April–September and October–March, with matching benefit periods six months later.
Key ESIC benefits for workers
- Medical benefit: full medical care for the insured person and family members from day one of insurable employment, at ESIC dispensaries and hospitals and tie-up hospitals.
- Sickness benefit: cash payment at 70% of average daily wages for up to 91 days in a year during certified sickness.
- Maternity benefit: full wages for 26 weeks of maternity leave (extendable by one month on medical advice).
- Disablement benefit: 90% of wages during temporary disablement, and a monthly pension for permanent disablement due to employment injury.
- Dependants’ benefit: monthly pension to dependants if an insured person dies due to employment injury.
- Unemployment allowance (Atal Bimit Vyakti Kalyan Yojana and RGSKY) for insured persons who lose employment, subject to conditions.
- Funeral expenses and other benefits such as vocational rehabilitation.
The e-Pehchan card and family registration
Each insured person gets a unique insurance number (IP number) and an e-Pehchan card. Family members such as spouse, dependent children and dependent parents should be added during registration so they can also receive medical treatment.
Employer responsibilities
- Register the establishment on the ESIC portal and obtain the 17-digit employer code.
- Register every eligible employee on the day of joining.
- Deduct and pay contributions monthly by the 15th.
- Report accidents at work in the prescribed form within the time limit.
- Maintain registers and cooperate with ESIC inspections.
Need help with ESIC in Satara?
Shree HR Services is an ESIC consultant in Satara handling registration, monthly returns, employee registration, accident reports and benefit claims for employers in Satara MIDC, Karad, Wai, Koregaon and Phaltan. Call +91 92097 09369.