Explanation:

• The Employees’ State Insurance Act, 1948 is one of the most important laws that provide social security. It contains six kinds of ESI benefits that injured employees can avail.

• Medical Benefit to Retired Insured Persons and Permanent Disabled Insured Persons:-
  
  On payment of Rs.10/- P.M. in lump sum for one year in advance, Medical Benefit can be provided (under Section 56 of the Act) to:

  • An Insured Person and his or her spouse who leaves insurable employment on attaining the age of superannuation or retires under VRS or takes Pre-Mature retirement after being insured for not less than five years, till the period for which contribution is paid.
  • An Insured Person and his/her spouse who ceases to be in insurable employment on account of permanent disablement due to employment injury shall be entitled to medical benefit.