The Employees State Insurance Corporation (ESIC) has always been a cornerstone of India’s social security system. With the New Labour Codes fully implemented in 2025, ESIC coverage has expanded to include more employees, contract staff, and even fixed-term workers.
For employees and their families, this means wider access to healthcare and financial protection. Here’s a clear breakdown of what ESIC offers in 2026.
1. Medical Care for Employees & Families
- Coverage: Full medical care for insured employees and their dependents.
- Facilities: ESIC dispensaries, hospitals, and tie-up medical institutions.
- Dependents: Spouse, children, and in some cases dependent parents are covered.
2. Sickness Benefit
- Eligibility: Employees who contribute for a minimum period as prescribed.
- Benefit: Cash compensation at 70% of wages during certified sickness, up to 91 days in two consecutive benefit periods.
- Impact: Protects employees from income loss during illness.
3. Maternity Benefit
- Eligibility: Women employees under ESIC coverage.
- Benefit: Paid leave for maternity, miscarriage, or adoption, as per statutory provisions.
- Duration: Up to 26 weeks, depending on circumstances.
4. Disablement Benefit
- Temporary Disablement: Cash benefit during recovery.
- Permanent Disablement: Monthly pension based on loss of earning capacity.
- Coverage: Includes workplace accidents and occupational diseases.
5. Dependent Benefit
- Eligibility: Family members of an employee who dies due to employment injury.
- Benefit: Monthly pension to dependents, ensuring financial support.
6. Funeral Expenses & Other Support
- Funeral Expenses: Lump sum payment to family for funeral costs.
- Rehabilitation: Vocational training and support for disabled employees.
7. What Changed in 2026
- Expanded Coverage: More employees fall under ESIC due to the new wage definition (Basic + DA, 50% rule).
- Fixed-Term Employment: FTE workers now entitled to ESIC benefits from day one.
- Dependents: Clarified coverage for family members, ensuring wider protection.
Free Employee Checklist for ESIC Benefits
- Verify ESIC Insurance Number is active and Aadhaar-linked.
- Keep medical records updated at ESIC dispensaries.
- Understand eligibility periods for sickness and maternity benefits.
- Inform dependents about their rights under ESIC.
- Contact HR for challan and contribution proof if needed.
Disclaimer: This content is for educational purposes and reflects the legal framework of the Indian Labour Codes as of 2026. It does not constitute legal advice. Employees should consult with their HR department or a qualified labour law expert at Key4Comply to understand their specific entitlements.