ESI Calculator and Benefits Guide
Check whether you're covered by ESI, what you and your employer pay, and what you can claim in return.
All monthly earnings: Basic, DA, HRA and allowances.
You pay each month
₹75
Ceiling ₹21,000
How ESI is calculated
ESI applies when your wage is ₹21,000 a month or less (₹25,000 for persons with disability). Since the Code on Social Security took effect on 21 November 2025, ESIC tests the Code's definition of wages, not just gross pay.
ESIC rounds each contribution up to the next rupee.
What ESI gets you
| Benefit | What you get | When you qualify |
|---|---|---|
| Medical benefit | Full medical care for you and your family at ESI dispensaries and hospitals. | Available once you're insured. |
| Sickness benefit | 70% of wages in cash for up to 91 days a year of certified sickness. | Contributions for 78 days in a six-month contribution period. |
| Extended sickness benefit | 80% of wages for up to two years for specified long-term diseases. | Longer continuous employment and contribution history. |
| Maternity benefit | Full wages for 26 weeks, extendable by one month on medical advice. | Contributions for 70 days in the two preceding contribution periods. |
| Disablement benefit | 90% of wages while temporarily disabled; a monthly payment for life for permanent disablement, in proportion to lost earning capacity. | Employment injury. Accidents while commuting between home and work now count too. |
| Dependants' benefit | 90% of wages paid monthly to dependants if an insured person dies from an employment injury. | Death due to employment injury or occupational disease. |
| Unemployment allowance | 50% of wages for up to two years in your lifetime, with continued medical care. | Involuntary loss of employment, subject to ESIC's eligibility rules. |
| Funeral expenses | Up to ₹15,000 towards the funeral of an insured person. | Paid to the family or the person who performs the last rites. |
Conditions are summarised. ESIC's benefits page has the exact rules.
How to use it
Add your family on the ESIC portal as soon as you're covered so they can use ESI hospitals too, and keep your e-Pehchan card and insurance number handy. For treatment, start at your allotted dispensary; it refers you to an ESI or tie-up hospital when needed.
On certified sick leave, get the certificate from the ESI doctor and claim sickness benefit through your branch office. Maternity benefit is claimed the same way. If you lose your job, check the unemployment allowance before your coverage lapses.
ESI is one of the deductions that never comes back as money. See how it fits with PF, NPS and gratuity in the Retirement Benefits Calculator.
Frequently asked questions
Employees whose wage is ₹21,000 a month or less, or ₹25,000 for persons with disability, in establishments covered by ESI. ESIC has confirmed these ceilings still apply under the Code on Social Security.