2. List of government schemes in India
The ministries of Government of India had came
up with various schemes time to time.
These schemes could be either Central, State
specific or joint collaboration between the
Centre and the States.
3. Cont…
Aam Aadmi Bima Yojana
death and disability insurance for rural landless
households
Central Government Health Scheme
MoHFW
1954
comprehensive medical care facilities to Central
Government employees and their family members
4. Cont…
Deendayal Disabled Rehabilitation Scheme
MoSJE
2003
Create an enabling environment to ensure equal
opportunities, equity, social justice and empowerment of
persons with disabilities.
Gramin Bhandaran Yojna
MoA
March 31, 2007
Creation of scientific storage capacity with allied facilities
in rural areas to meet the requirements of farmers for
storing farm produce, processed farm produce and
agricultural inputs. Improve their marketability through
promotion of grading, standardization and quality control
of agricultural produce.
5. Cont…
Indira Awaas Yojana
MoRD
1985
Housing for the rural poor
Indira Gandhi Matritva Sahyog Yojana
MoWCD
2010
A cash incentive of Rs. 4000 to women (19 years and
above) for the first two live births
6. Cont…
Integrated Rural Development Program
MoRD
1978
self-employment program to raise the income-
generation capacity of target groups among the poor
Janani Suraksha Yojana
MoHFW
2005
One-time cash incentive to pregnant women for
institutional/home births through skilled assistance
7. Cont…
Kasturba Gandhi Balika Vidyalaya
MoHRD
July 2004
Educational facilities (residential schools) for girls
belonging to SC, ST, OBC, minority communities and
families below the poverty line in Educationally Backward
Blocks
Kishore Vaigyanik Protsahan Yojana
MoST
1999
Scholarship program to encourage students to take up
research careers in the areas of basic sciences,
engineering and medicine
8. Cont…
Mahatma Gandhi National Rural Employment
Guarantee Act
MoRD
August 25, 2005
Rs. 40,000 crore in 2010–11
Legal guarantee for one hundred days of employment
in every financial year to adult members of any rural
household willing to do public work-related unskilled
manual work at the statutory minimum wage of Rs.
120 per day in 2009 prices.
9. Cont…
Members of Parliament Local Area Development Scheme
MoSPI
December 23, 1993
Each MP has the choice to suggest to the District
Collector for, works to the tune of Rs.5 Crores per annum
to be taken up in his/her constituency. The Rajya Sabha
Member of Parliament can recommend works in one or
more districts in the State from where he/she has been
elected.
Midday Meal Scheme
MoHRD
August 15, 1995
Lunch (free of cost) to school-children on all working days
10. Cont…
National Pension Scheme
January 1, 2004
Contribution based pension system
Pradhan Mantri Adarsh Gram Yojana
MoRD
July 23, 2010
Integrated development of Schedule Caste majority
villages in four states
Pradhan Mantri Gram Sadak Yojana
MoRD
December 25, 2000
Good all-weather road connectivity to unconnected
villages
11. Cont…
Rashtriya Krishi Vikas Yojana
MoA
August 1, 2007
Achieve 4% annual growth in agriculture through
development of Agriculture and its allied sectors during
the XI Plan period
Rashtriya Swasthya Bima Yojana
MoLE
April 1, 2008
Health insurance to poor (BPL), Domestic workers,
MGNERGA workers, Rikshawpullers, Building and other
construction workers, and many other categories as may
be identified by the respective states
12. Cont…
RNTCP
MoHFW
1997
Tuberculosis control initiative
Sabla or Rajiv Gandhi Scheme for Empowerment of
Adolescent Girls
MWCD
March 8, 2011
Empowering adolescent girls (AGs) of 11–18 years with focus
on out-of-school girls by improvement in their nutritional and
health status and upgrading various skills like home skills, life
skills and vocational skills. Merged Nutrition Programme for
Adolescent Girls (NPAG) and Kishori Shakti Yojana (KSY).
13. Cont…
Sampoorna Grameen Rozgar Yojana
MoRD
September 25, 2001
Providing additional wage employment and food security,
alongside creation of durable community assets in rural
areas.
Swarnajayanti Gram Swarozgar Yojana
MoRD
April 1, 1999
Bring the assisted poor families above the poverty line by
organising them into Self Help Groups (SHGs) through the
process of social mobilisation, their training and capacity
building and provision of income generating assets
through a mix of bank credit and government subsidy.
14. Cont…
Swavalamban
MoF
September 26, 2010
pension scheme to the workers in unorganised sector. Any
citizen who is not part of any statutory pension scheme of the
Government and contributes between Rs. 1000 and Rs. 12000/-
per annum, could join the scheme. The Central Government
shall contribute Rs. 1000 per annum to such subscribers.
Udisha
MoWCD
nationwide training component of the World Bank (External
website that opens in a new window) assisted Women and Child
Development Project (External website that opens in a new
window). Udisha has been cleared with an outlay of about
Rs.600 crores for five years. UNICEF is also a technical
collaborator in the Project. The programmes aims to train child
care workers across the country.
15. Cont…
National Rural Livelihood Mission (NRLM)
Ministry of Rural Development (MoRD)
June 2011
$ 5.1 Billion
This scheme will organize rural poor into SHG groups
and make them capable for self employment. The
idea is to developing better livelihood options for the
poor.
16. CENTRAL GOVERNMENT HEALTH SCHEME
The Central Government Health Scheme (CGHS) was
started under the Indian Ministry of Health and
Family Welfare in 1954 with the objective of providing
comprehensive medical care facilities to Central
Government employees, pensioners and their
dependents residing in CGHS covered cities.
17. The scheme was initially started in Delhi in 1954.
Subsequently CGHS Services were extended to the following
17 cities: Allahabad, Ahmedabad, Bangalore, Mumbai,
Kolkata, Hyderabad, Jaipur, Jabalpur, Lucknow, Chennai, west
bengal, Nagpur, Patna, Pune, Kanpur, Thiruvananthapuram
and Guwahati.
18. The Central Govt. Health Scheme is applicable to the
following categories of people residing in CGHS covered cities:
All Central Govt. Servants paid from Civil Estimates
(other than those employed in Railway Services and
those employed under Delhi Administration except
members of Delhi Police Force).
Pensioners drawing pension from Civil Estimates
and their family members (Pensioner residing in non-
CGHS areas also may obtain CGHS Card from nearest
CGHS covered City)
Members and Ex-members of Parliament
19. Judges of the Supreme Court and High Court (sitting
and retired)
Freedom Fighters
Central Government Pensioners, Employees of
Semi-Autonomous bodies/Semi Government
Organisations
Accredited Journalists
Ex-Governors and Ex-Vice-Presidents of India
20. The medical facilities are provided through Wellness
Centres(previously referred to as CGHS Dispensaries)
/polyclinics under Allopathic, Ayurveda, Yoga, Unani,
Sidha and Homeopathic systems of medicines.
254 allopathic dispensaries,
19 polyclinics.
78 Ayush dispensary/ units
3 Yoga Centres
65 Laboratories
17 Dental Units
21. Main components of the Scheme
The dispensary services including domiciliary care.
F. W. & M.C.H. Services
Specialists consultation facilities both at dispensary,
polyclinic and hospital level including X-Ray, ECG and
Laboratory Examinations.
Hospitalization.
Organization for the purchase, storage, distribution
and supply of medicines and other requirements.
Health Education to beneficiaries.
22. THE EMPLOYEE’S STATE INSURANCE ACT – 1948
Pioneering measure in social insurance in india.
•Health insurance first discussed in 1927 by indian
legislature.
•Scheme entrusted to prof. B.P. Adarkar in march 43
and submitted by him in Dec 44.
23. •Originally called “workmen’s state insurance bill”
1946.
•Came into force on 19th april 1948.
•Provides for cash benefits and medical facilities to
employees in sickness, maternity and employment
injury.
24. APPLICABILITY
Act applies to factories using power not using AND
Employing 20 or more persons. Gradually extended
to the following:
Smaller power-using factories with 10-19 persons
Non-power factories with 20 or more persons
Shops
Hotels and restaurants
25. Cinemas including preview theaters
Newspaper establishments
Road motor transport undertakings employing 20 or more
persons
State govt may cover other establishments in consultation
with the ESI corporation and with approval of the central
govt.
26. DEFINITIONS
Employee
Employee refers to any person employed on wages
in connection with the work of a factory or
establishment to which this act applies.
Includes technical, manual, clerical and supervisory
functions
Persons with remuneration upto Rs.6500 are
covered under the act.
27. Cont…
No distinction between casual and temporary
employees or technical and non-technical, or time-
rate or piece-rate
Covers admin staff and those in purchase
Does not include naval, military or air force
personnel.
28. Cont…
Wages: means all remuneration paid in cash,
including payment in period of leave, lockout or
strike which is not illegal.
Does not include:
Contribution paid to the provident fund or pension
fund
Travelling allowance
Sum paid to defray special expenses
Gratuity payable on discharge
29. CONTRIBUTIONS
Main sources of finance are contributions from
employers and employees, and 1/8th share of
expenses by state governments.
Employee’s contribution 1.75% of wages
Employer’s contribution 4.75% of total wages
30. Total amount to be deposited in the state bank of
india or other authorised bank by 21st of the month
followng the month when the wages became due.
An employer who fails to pay within the specified
period is liable for fines and damages for late
payment
Employees with daily wages below Rs 40 are
exempt; however employer’s contribution
applicable.
31. REGISTRATION
Registration of a factory/establishment with the
employees state insurance corporation (ESIC) is a
statutory responsibility of the employer under
section 2-A and 10-B.
Declaration of registration in form to be furnished
to the appropriate regional office within 15 days of
the act becoming applicable.
Employer should get the declaration form filled in
by every employee covered under the scheme.
32. MAINTENANCE OF REGISTERS
The statutory registers to be maintained up to date
are:
A) Register of employees
B) Accident book in which every accident to
employees during the course of employment is
recorded
C) Inspection book (to be produced before an
inspector or authorised officer.)
33. ADMINISTRATION
The scheme is administered by the esic
(employee’s state insurance corporation)
Chairman: Union minister for labour
Comprises groups like employers, employees,
parliament, state and central govt. And the medical
profession.
A standing committee drawn from this broad
based body is responsible for policy, planning and
decision making.
34. The chief executive officer of the corporation is
Director general of esic
Ex officio member of the corporation
Member of the standing committee
Responsible for
Formulation of policy
Overall supervision
Co-ordination and liaison with central and state
governments.
Esic has set up regional offices all over India. Each office is
under the charge of the regional director who maintains
records and administers local offices.
36. SICKNESS AND EXTENDED SICKNESS BENEFIT
Represents periodical payments made to an insured person
for the period of certified sickness after completing 9 months
in insurable employment.
To qualify, contributions should be for minimum 78 days in
the relevant period.
Maximum duration for benefit is 91 days.
37. Cont…
Rates of payment vary from Rs.14-125 per day, i.e.
Average of 50% of daily wages.
Insured persons suffering from TB, leprosy, mental
and malignant diseases or other specified long term
diseases are entitled to extended benefits at higher
rates, provided he has been continually employed for
at least two years.
38. MATERNITY BENEFIT
Implies cash payment to an insured woman in case
of confinement or miscarriage or sickness arising out
of pregnancy or premature birth.
Woman should have contributed for minimum 70
days in the preceding two consecutive contribution
periods.
39. Cont…
Daily rate of benefits double the standard sickness
benefit rate, i.e. Full wages.
Normally payable for max 12 weeks for
confinement and 6 weeks for miscarriage or medical
termination of pregnancy.
Payable even in the event of the death of the
woman.
40. DISABLEMENT BENEFIT
In case of temporary disability arising out of employment
injury, this benefit is admissable for the entire period certified
by an insurance medical officer/practitioner for which the
insured person does not work for wages.
41. Rate payable not less than 70% of daily wages;
minimum 3 days of incapacity required.
In case injury results in permanent, partial or total
loss of earning capacity, periodical payments to be
made for life. One-time lumpsum is permissible in
certain cases.
42. DEPENDANT’S BENEFIT
Periodical pension paid to dependants of deceased where
death occurs out of employment injury or disease.
Widows: 3/5th of benefit rate for life or until remarriage
Children: 2/5th of benefit rate until 18
Total amount distributed not to exceed ceiling of
disablement benefit.
43. Cont…
Benefit not paid to married daughters.
In case there is no widow or child, benefit can be paid to
other dependants including parents.
Amount paid is reviewed and increases granted from time
to time to compensate for erosion in real value and cost of
living.
44. MEDICAL BENEFIT
Insured persons and their families entitled to free, full
and comprehensive medical care.
Extended upto two years for chronic and long-term
diseases.
Treatment continues even if person goes out of coverage,
till sickness ends.
Package covers all aspects of health care from primary to
super-specialist facilities, such as:
1. Out-patient treatment
2. Domiciliary treatment
3. Specialist consultation and diagnostic facilities
45. Cont…
1. In-patient treatment
2. Free supply of drugs and dressing
3. X-ray and laboratory investigations
4. Vaccination and preventive innoculations
5. Ante-natal, confinement, post-natal care
6. Ambulance service or conveyance charges
7. Free diet during admission in hospitals
46. Cont…
8. Free supply of artificial limbs, aids and appliances for
physical rehabilitation
9. Family welfare services and other national health
programme services
10. Medical certification
11. Special provisions including super-speciality treatment.
47. FUNERAL BENEFIT
Funeral expenses are in the nature of a lump sum payment
upto a maximum of rs.2500 made to defray the expenditure
of the funeral of deceased insured person.
The amount is paid either to the eldest surviving member
of the family or, in his absence, to the person who actually
incurs the expenditure on the funeral.
48. REHABILITATION BENEFIT
The corporation grants rehabilitation allowance to the insured
persons for each day on which they remain admitted in an
artificial limb centre, on the rates, which generally conform to
double the standard sickness benefit rate.
All benefits under the esi scheme are paid in cash except
medical benefit, which is given in kind.
49. RESTRICTIONS
A person entitled to esi benefits shall not be entitled to any
other benefit. Further an insured person will not be
entitled to receive for the same period:
1. Both sickness and maternity benefit, or
2. Both sickness and maternity benefit for temporary
disablement, or
3. Both maternity and disablement benefit for temporary
disablement.
Where a person is entitled to more than one of the benefits,
he has an option to select any one of them.
50. PROTECTION
An employer cannot dismiss or punish an employee under
treatment for sickness of in receipt of any benefit or absent
from work due to illness. Any notice of dismissal, discharge or
reduction is invalid. However, the employer can discharge or
punish the employee if:
He has received temporary disablement benefit and
remained absent for 6 months or more
Is under treatment for sickness other than tb or arising out
of pregnancy and remained absent for 6 months or more
Is under medical treatment for tb or a malignant disease
and has remained absent continuously for 18 months or
more.
51. PENALTIES AND DAMAGES
If a person commits an offence after being convicted by a
court, every subsequent offence attracts imprisonment upto
1 year or fine upto rs.2000 or both.
If the subsequent offence is for failure to pay contribution,
punishment will be upto 1 year and not less than 3 months,
and fine upto rs.4000.
Contribution can be recovered through the district collector
as arrears of land revenue.
Employer is liable for 6% interest p.A. For each day of
default or delay in payment of contribution.
Power to levy damages is discretionary and in the nature of
a quasi-legal provision. Reasonable opportunity to the
employer to be given before levying damages.
52. MISCELLANEOUS
Cash benefits payable under the esi act are not liable to
attachment or sale in execution of any court decree or order.
Right to receive benefit is not transferable.
Disputes under the provisions of the act to be decided by
the employees’ insurance court (eic) and not by a civil court.
Appeals to the high court only by an order of the eic on a
question of law.
Period of limitation for appeal is 60 days.
53. OBLIGATIONS OF EMPLOYERS
1. Get his factory registered within 15 days of the act
becoming applicable, by supplying information in
prescribed form. Obtain code number.
2. Arrange allotment of insurance number to all employees
covered by the act by completing their declaration forms
and submitting them to the regional office.
3. Assist employees in obtaining their identity certificates,
and pending this issue certificates of employment to
enable employees to avail of cash and medical benefits
meanwhile.
54. 4. He should not dismiss or punish any employee during
period of medical treatment or if absent from work as a
result of illness.
5. Maintain up to date registers and records of the
establishment and afford facilities for easy inspection.
6. Reimbursement to the corporation excess expenditure
incurred due to insanitary working and living conditions
in the establishment or housing colony of its employees.
55. OBLIGATIONS OF EMPLOYEES
1. Assist employer in obtaining registration, insurance
number and id cards from the esi authorities.
2. Obtain necessary sickness/other certificates from the
medical authorities for claiming cash benefits.
3. Give proper notice to employer of accident causing
employment injury and submit for medical examination
as an when necessary to claim benefits.
4. Repay to the esic any benefit to which he was not
entitled.
5. Submit claims within prescribed time along with
prescribed documents.
56. HEALTH INSURANCE
Health insurance is insurance against the risk of incurring
medical expenses among individuals.
Insurance
1. Voluntary health insurance schemes or private-for-profit
schemes.
2. Employer-based schemes.
3. Insurance offered by NGOs / community based health
insurance,
4. Mandatory health insurance schemes or government run
schemes (namely ESIS, CGHS).
57. Existing infrastructure under ESIS in India
No. of Centers 632
No. of Insured Persons/Family Units 84,45,000
ESI Hospitals 125
Number of ESI Hospital Beds 23,334
ESI Dispensaries 1,443
Insurance Medical Officers 6,220
Insurance Medical Practitioners 2,900
