{"id":13270,"date":"2020-10-07T12:32:05","date_gmt":"2020-10-07T12:32:05","guid":{"rendered":"https:\/\/insuropedia.in?p=2292"},"modified":"2026-02-09T07:14:00","modified_gmt":"2026-02-09T07:14:00","slug":"what-is-the-difference-between-the-wc-policy-and-esic","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/what-is-the-difference-between-the-wc-policy-and-esic\/","title":{"rendered":"What is the difference between the WC policy and ESIC?"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><h3><b><span data-contrast=\"auto\">Definitions &amp; Purpose<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%2.\" data-font=\"Arial\" data-listid=\"29\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,4],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%2.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">Workmen\u2019s Compensation (WC) Policy<\/span><\/b><span data-contrast=\"auto\">: A <\/span><i><span data-contrast=\"auto\">non\u2011contributory<\/span><\/i><span data-contrast=\"auto\">, no\u2011fault liability insurance\u2014purchased by employers\u2014to cover workplace injuries, death, or occupational diseases as per the Workmen\u2019s Compensation Act, 1923.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Employee State Insurance (ESIC)<\/span><\/b><span data-contrast=\"auto\">: A <\/span><i><span data-contrast=\"auto\">contributory social security scheme<\/span><\/i><span data-contrast=\"auto\"> under the ESIC Act, 1948, offering integrated benefits like medical care, sickness allowance, maternity, disablement, and death\/dependency payouts.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ol>\n<h2 data-path-to-node=\"6\">Key Takeaways<\/h2>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul data-path-to-node=\"7\">\n<li>\n<p data-path-to-node=\"7,0,0\"><b data-path-to-node=\"7,0,0\" data-index-in-node=\"0\">Statutory Compliance:<\/b> If a company has more than 10 employees (or 20 in some regions) earning below \u20b921,000, <b data-path-to-node=\"7,0,0\" data-index-in-node=\"109\">ESIC is mandatory<\/b>. However, many companies still buy a WC policy for employees earning <i data-path-to-node=\"7,0,0\" data-index-in-node=\"196\">above<\/i> the ESIC threshold or to cover risks during business travel abroad.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,0\"><b data-path-to-node=\"7,1,0\" data-index-in-node=\"0\">The &#8220;Medical&#8221; Difference:<\/b> ESIC provides a massive network of hospitals for daily sickness and family care. A WC policy only pays for medical costs <i data-path-to-node=\"7,1,0\" data-index-in-node=\"147\">specifically<\/i> resulting from a workplace accident.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,2,0\"><b data-path-to-node=\"7,2,0\" data-index-in-node=\"0\">Payout Method:<\/b> WC usually results in a <b data-path-to-node=\"7,2,0\" data-index-in-node=\"39\">lump-sum settlement<\/b> through a Commissioner\u2019s order. ESIC provides <b data-path-to-node=\"7,2,0\" data-index-in-node=\"105\">periodic payments<\/b> (similar to a monthly pension or allowance) for as long as the disability lasts.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,3,0\"><b data-path-to-node=\"7,3,0\" data-index-in-node=\"0\">Insurable Interest:<\/b> WC protects the <i data-path-to-node=\"7,3,0\" data-index-in-node=\"36\">Employer&#8217;s<\/i> bank account from being drained by a massive legal claim. ESIC protects the <i data-path-to-node=\"7,3,0\" data-index-in-node=\"123\">Employee&#8217;s<\/i> overall lifestyle, including maternity and unemployment (Rajiv Gandhi Shramik Kalyan Yojana).<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,4,0\"><b data-path-to-node=\"7,4,0\" data-index-in-node=\"0\">Workplace vs. General Life:<\/b> WC is strictly about &#8220;out of and in the course of employment.&#8221; ESIC covers you even if you get sick or injured on a weekend trip, provided you are an active member.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><b><span data-contrast=\"auto\">Coverage Differences<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%2.\" data-font=\"Arial\" data-listid=\"29\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,4],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%2.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">WC Policy<\/span><\/b><span data-contrast=\"auto\">: Addresses compensation for injuries, disabilities, or death <\/span><i><span data-contrast=\"auto\">solely<\/span><\/i><span data-contrast=\"auto\"> from work-connected incidents, including medical treatment, wage loss, and rehabilitation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">ESIC<\/span><\/b><span data-contrast=\"auto\">: Provides broader coverage\u2014covering not only workplace injuries but also general medical, maternity, sickness, unemployment, and dependent benefits.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ol>\n<h3><b><span data-contrast=\"auto\">Employee &amp; Wage Eligibility<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%2.\" data-font=\"Arial\" data-listid=\"29\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,4],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%2.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">WC<\/span><\/b><span data-contrast=\"auto\">: No minimum number of employees or wage limit applies\u2014employers can choose to cover any worker.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">ESIC<\/span><\/b><span data-contrast=\"auto\">: Mandatory for workplaces with \u226510 employees (\u226520 in some states); only applicable to Indian workers earning up to \u20b921,000\/month (\u20b925,000 for persons with disabilities) .<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ol>\n<h3><b><span data-contrast=\"auto\">Payment Mechanism<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%2.\" data-font=\"Arial\" data-listid=\"29\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,4],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%2.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">WC Policy<\/span><\/b><span data-contrast=\"auto\">: Employer pays full premium; compensation is typically paid in a <\/span><i><span data-contrast=\"auto\">lump sum<\/span><\/i><span data-contrast=\"auto\"> via courts\/commissioners.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">ESIC<\/span><\/b><span data-contrast=\"auto\">: Funded jointly\u2014employer contributes ~3.25%, employee ~0.75% of wages; benefits are <\/span><i><span data-contrast=\"auto\">periodic<\/span><\/i><span data-contrast=\"auto\">, managed by ESIC.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ol>\n<h3><b><span data-contrast=\"auto\">Applicability<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%2.\" data-font=\"Arial\" data-listid=\"29\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,4],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%2.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">WC<\/span><\/b><span data-contrast=\"auto\">: Can cover both Indian and foreign employees, including those working abroad.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">ESIC<\/span><\/b><span data-contrast=\"auto\">: Strictly covers Indian workers employed within India.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Workers in India have access to various health insurance and social security schemes to safeguard their interests during contingencies. Two of the security benefits offered to workers in India are the Workmen Compensation policy and Employee State Insurance. Despite several similarities in terms of benefits, there are differences in the application and functioning of both policies. Let&#8217;s explore the main differences between Workmen Compensation policy and Employees State Insurance Scheme (WC policy and ESIC).<\/span><\/p>\n<h2><b>Major differences between WC policy and ESIC<\/b><\/h2>\n<h3><b>Definition<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Workmen compensation (WC) policy protects employers against the<\/span><a href=\"https:\/\/securenow.in\/insuropedia\/what-are-the-statutory-requirement-for-worker-compensation-insurance\/\"> <span style=\"font-weight: 400;\">statutory liabilities<\/span><\/a><span style=\"font-weight: 400;\"> towards employees in case of workplace accidents or death. Meanwhile, employees state insurance corporation (ESIC) is an integrated social insurance scheme.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It protects workers if they die or get disabled at work, gives maternity benefits, and covers medical illnesses. It also provides medical care to the insured employees and offers dependants benefit.<\/span><\/p>\n<h3><b>The difference in compensation awarded under ESIC and WC<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The formulation of compensation under the workmen compensation policy follows the rules set under the<\/span><a href=\"https:\/\/securenow.in\/insuropedia\/what-is-the-workmens-compensation-act\/\"> <span style=\"font-weight: 400;\">Workmen Compensation Act<\/span><\/a><span style=\"font-weight: 400;\">, 1923. It clearly entitles \u2018workmen\u2019 (as defined under the Act) to receive compensation from the employer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Workers court decides the compensation amount for insured persons in case of workplace injuries. Workers receive compensation in case of death, disability, or injury because of workplace accidents or professional illnesses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, the multi-dimensional ESIC scheme provides medical care and financial security or cash benefit to employees and their families. ESIC manages the fund as per the rules and regulations of the Government Employee State Insurance Act, 1948.<\/span><\/p>\n<h3><b>The difference in policy grantees under ESIC and WC<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Workmen compensation policy<\/span><span style=\"font-weight: 400;\"> can be purchased by any employer or firm who employs \u2018workmen\u2019 as defined in the Workmen Compensation Act, 1923.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, firms that employ laborers, drivers, and construction firms can secure WC policy benefits. Workers employed in maintenance work, civil engineering, and other manual jobs also fall under the purview of the policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Conversely, a non-seasonal factory with more than 10 employees. Where monthly earnings are INR 21,000 or less, can opt for the Employee State Insurance (ESI) scheme.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Usually, ESIC is applicable for restaurants, hotels, newspaper establishments, transport undertakings cinemas, etc.<\/span><\/p>\n<h3><b>Difference in Application of WC Policy and ESIC Policy<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Workmen compensation is applicable to Indian companies employing workers in India as well as in foreign countries. On the other hand, employees\u2019 state insurance is applicable to only Indian workers.<\/span><\/p>\n<h3><b>\u00a0Cost difference<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The employer solely bears the cost of the workmen&#8217;s compensation policy. Under ESIC, employers contribute 3.25%, and employees contribute 0.75%, making a combined total of 4%.<\/span><\/p>\n<h2 data-path-to-node=\"3\">Summary: WC Policy vs. ESIC Scheme<\/h2>\n<div class=\"horizontal-scroll-wrapper\">\n<div class=\"table-block-component\">\n<div class=\"table-block has-export-button\">\n<div class=\"table-content not-end-of-paragraph\" data-hveid=\"0\" data-ved=\"0CAAQ3ecQahgKEwjhoOnS4suSAxUAAAAAHQAAAAAQlwI\">\n<table data-path-to-node=\"4\">\n<thead>\n<tr>\n<td><strong>Feature<\/strong><\/td>\n<td><strong>Workmen Compensation (WC)<\/strong><\/td>\n<td><strong>Employees&#8217; State Insurance (ESIC)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"4,1,0,0\"><b data-path-to-node=\"4,1,0,0\" data-index-in-node=\"0\">Governing Act<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,1,1,0\">Employees&#8217; Compensation Act, 1923.<\/span><\/td>\n<td><span data-path-to-node=\"4,1,2,0\">ESI Act, 1948.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,2,0,0\"><b data-path-to-node=\"4,2,0,0\" data-index-in-node=\"0\">Nature<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,2,1,0\">Employer\u2019s Liability Insurance (Private).<\/span><\/td>\n<td><span data-path-to-node=\"4,2,2,0\">Government Social Security Scheme.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,3,0,0\"><b data-path-to-node=\"4,3,0,0\" data-index-in-node=\"0\">Contributions<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,3,1,0\"><b data-path-to-node=\"4,3,1,0\" data-index-in-node=\"0\">100% Employer<\/b> funded.<\/span><\/td>\n<td><span data-path-to-node=\"4,3,2,0\"><b data-path-to-node=\"4,3,2,0\" data-index-in-node=\"0\">Joint:<\/b> Employer (3.25%) + Employee (0.75%).<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,4,0,0\"><b data-path-to-node=\"4,4,0,0\" data-index-in-node=\"0\">Eligibility<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,4,1,0\">No wage cap; any worker can be covered.<\/span><\/td>\n<td><span data-path-to-node=\"4,4,2,0\">Mandated for wages up to <b data-path-to-node=\"4,4,2,0\" data-index-in-node=\"25\">\u20b921,000\/month<\/b>.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,5,0,0\"><b data-path-to-node=\"4,5,0,0\" data-index-in-node=\"0\">Primary Benefit<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,5,1,0\">Lump-sum for injury\/death at work.<\/span><\/td>\n<td><span data-path-to-node=\"4,5,2,0\">Periodic cash benefits + full medical care.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,6,0,0\"><b data-path-to-node=\"4,6,0,0\" data-index-in-node=\"0\">Family Coverage<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,6,1,0\">No; only covers the employee.<\/span><\/td>\n<td><span data-path-to-node=\"4,6,2,0\">Yes; includes dependents&#8217; medical care.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,7,0,0\"><b data-path-to-node=\"4,7,0,0\" data-index-in-node=\"0\">Global Reach<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,7,1,0\">Can cover workers traveling\/working abroad.<\/span><\/td>\n<td><span data-path-to-node=\"4,7,2,0\">Strictly for workers within India.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2><b>Factors determine the policy benefits.<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">WC and ESIC benefits vary based on monthly wages, number of employees\/workers, and worker type.<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"auto\">FAQ\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><b><span data-contrast=\"auto\">Q1: Can an employee benefit from both WC and ESIC simultaneously?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> A1: No\u2014an employee can only claim benefits from one scheme. If eligible for ESIC by wage and employer size, they cannot also claim under WC for the same incident .<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Q2: Who funds each scheme?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> A2: WC is entirely employer-funded. ESIC is joint-funded with ~3.25% from employer and ~0.75% from employee contributions .<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Q3: Are there wage or employee thresholds for coverage?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> A3: WC has no thresholds. ESIC requires at least 10 employees (\u226520 in some states) and covers workers earning \u20b921k\/month (\u20b925k for disabled.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Q4: What types of benefits differ between WC and ESIC?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> A4:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"30\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><i><span data-contrast=\"auto\">WC<\/span><\/i><span data-contrast=\"auto\"> offers lump\u2011sum compensation for workplace injuries, disabilities, death, plus medical care and rehabilitation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"30\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><i><span data-contrast=\"auto\">ESIC<\/span><\/i><span data-contrast=\"auto\"> offers broader, periodic benefits covering general medical care, maternity, sickness, injury, dependency, unemployment aid .<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Q5: How are claims processed?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> A5:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"31\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><i><span data-contrast=\"auto\">WC<\/span><\/i><span data-contrast=\"auto\"> claims are filed by the employer to the Workmen\u2019s Compensation Commissioner or court.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"31\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><i><span data-contrast=\"auto\">ESIC<\/span><\/i><span data-contrast=\"auto\"> benefits are directly dispensed by ESIC\u2014medical via ESI card in empanelled hospitals; financial via periodic payments. Status can be tracked using the UMANG app.<\/span><\/li>\n<\/ul>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"Can an employee benefit from both WC and ESIC simultaneously?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No\u2014an employee can only claim benefits from one scheme. If eligible for ESIC by wage and employer size, they cannot also claim under WC for the same incident .\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Who funds each scheme?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"WC is entirely employer-funded. 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Status can be tracked using the UMANG app.\"\n    }\n  }]\n}\n<\/script><\/p>\n<h4><b>About The Author<\/b><\/h4>\n<p><strong>Rahul Kumar\u00a0<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">MBA Finance<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With a wealth of experience in the insurance industry, Rahul is a seasoned writer specializing in articles related to workmen compensation policies (WC policies) for SecureNow. With 12 years of experience in the field, he has acquired in-depth knowledge and expertise in workmen compensation insurance, understanding its complexities and nuances. Their insightful articles provide valuable insights into the importance of WC policies for businesses and employees alike, offering practical advice and guidance on navigating the intricacies of insurance coverage. Trust him to deliver informative and engaging content, backed by years of experience and a passion for educating readers about insurance-related topics.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Definitions &amp; Purpose\u00a0 Workmen\u2019s Compensation (WC) Policy: A non\u2011contributory, no\u2011fault liability insurance\u2014purchased by employers\u2014to cover workplace injuries, death, or occupational diseases as per the Workmen\u2019s Compensation Act, 1923.\u00a0 Employee State Insurance (ESIC): A contributory social security scheme under the ESIC Act, 1948, offering integrated benefits like medical care, sickness allowance, maternity, disablement, and death\/dependency payouts.\u00a0 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[296,295],"tags":[60,970],"class_list":["post-13270","post","type-post","status-publish","format-standard","hentry","category-importance-workmen-compensation","category-workmen-compensation","tag-workmen-compensation-insurance-policy","tag-esic"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/13270","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=13270"}],"version-history":[{"count":20,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/13270\/revisions"}],"predecessor-version":[{"id":35368,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/13270\/revisions\/35368"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=13270"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=13270"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=13270"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}