ESIC Calculator
Calculate insurance contributions and verify eligibility for the ESI scheme (2026 Rules).
ESIC Coverage & Eligibility
Employees' State Insurance (ESI) is a self-financing social security and health insurance scheme for Indian workers. It is managed by the ESIC and mandated for employees earning a gross monthly salary of ₹21,000 or below. The scheme provides full medical care to employees and their dependents, along with cash benefits during sickness and maternity.
Configure Salary Details
Enter your gross monthly salary and the number of employees to calculate individual and bulk insurance costs.
Employee (0.75%)
₹0
Employer (3.25%)
₹0
Total Monthly Contribution
₹0
Contribution Breakdown Table
Why is this deducted?
ESIC acts as a comprehensive insurance pool. Unlike PF which is a savings account, ESIC works like a premium. This small monthly deduction grants the employee access to specialized ESI hospitals, maternity leaves with full pay, and cash benefits during prolonged sickness.
Comprehensive ESIC Benefits
Medical Benefit
Full medical care provided to self and dependents from day one.
Maternity Benefit
Payable for 26 weeks at full average daily wages.
Sickness Benefit
70% of wages in cash during certified sickness periods.
Dependents Benefit
Financial support to dependents in case of unfortunate death.
Statutory Notes
- Mandatory for units with 10+ employees.
- Threshold increased from ₹15k to ₹21k recently.
- Rounding is always to the next higher rupee.
Disclaimer: The 2026 ESIC rules are subject to Ministry of Labour & Employment updates. TeamWork Solutions provides these estimates for planning purposes only.
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