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ESIC medical benefit for retired employees

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₹600 once, for one yearfee

If you retired after five years in a job covered by ESIC, you and your spouse can keep ESIC medical care. You pay ₹600 up front. It covers one year.

Central Government Checked 25 October 2026 ESIC (Employees' State Insurance Corporation)

Steps

  1. Open the Medical Benefit page
    Go to the Medical Benefit page on the official ESIC website.
    Open this page
  2. Choose the Retired IPs row
    IPs are workers covered by ESIC, so pick this row if you have retired. If a work injury left you with a lasting disability, choose Permanently disabled IPs instead.
  3. Read Scale of Medical Benefit
    It lists the care you get: outpatient care, specialist visits, care when you stay in hospital, free drugs, and imaging and laboratory services.
  4. Scroll down to Reimbursement
    This part explains how the money you spent on treatment is paid back to you. Reimbursement means the money you spent on treatment is paid back to you.
  5. Note the Medical Helpline number
    You will see 1800-11-3839 on the same page. Call it if you have questions about your own case.
  6. After the last step
    The official page does not say where or how to pay. Ask the Medical Helpline (1800-11-3839), and never pay an individual, agent or other website.
    Your care lasts only for the period you paid for.
    Example: a retired worker pays ₹600 once. They and their spouse get care for that one year.
    To get back the money you spent, send your claim within one year.
    If something goes wrong, call the Medical Helpline on 1800-11-3839.

What this is

Your ESIC (Employees' State Insurance Corporation) medical care doesn't have to stop when you retire. You and your spouse can keep it if you retired, or if you left work with a lasting disability caused by a work injury. This guide shows who qualifies, what care you get and the time limit for claims.

Who this is for

Retired IPs (insured persons) with five years of cover
Workers who left a job after a work-injury disability
Spouses of both groups
Retired at retirement age, or through voluntary retirement (VRS, Voluntary Retirement Scheme) or early retirement
At least five years in a job covered by ESIC
Or stopped working in a job covered by ESIC after a lasting work-injury disability
Your spouse is covered along with you

What you need

  • Not listed on the official page
₹600 once, for one year

Where to find it

Home Medical Benefit Open the official page

Which version this is for

ESIC website, Medical Benefit page
This guide follows the information page. It has no online form or login for this benefit. For questions the page does not answer, call the Medical Helpline. It can tell you which office to ask.

If something goes wrong

Never share your OTP (One-Time Password) or password with anyone who asks
No official office, bank or helpline will ask for your OTP, password or PIN by phone, SMS or chat. Type your details only on the official website, and hang up on anyone who asks for them.
I had less than five years of cover. Can I join?
For retired people, the official page sets a five-year minimum. To check your own case, call the Medical Helpline on 1800-11-3839.
My medicine was out of stock at the dispensary.
The page treats this as a case where the money you spent on treatment is paid back to you. The same one-year limit applies as for other treatment costs.
Can I get back transport money in an emergency?
Yes, if no ambulance was available. You may use another quick form of transport. Your fare, both ways, is paid back up to the government's maximum rate.

Official help

Official website
www.esic.gov.in
Toll Free / Help Desk
1800-11-2526

Words used on this page

ESICEmployees' State Insurance Corporation. It runs health insurance for workers.
IP (Insured Person)A worker who is covered by ESIC.
VRS (Voluntary Retirement Scheme)A way to leave your job early, by your own choice.
Outpatient careTreatment where you see a doctor and go home the same day.
In-patient careTreatment where you stay in hospital.
ReimbursementThe money you spent on treatment is paid back to you.
IMO / IMPInsurance Medical Officer or Practitioner, the doctor who treats ESIC patients.
Director/AMO (ESI Scheme)The State officer (Administrative Medical Officer) who handles ESIC medical matters.

Sources and how we checked

Last checked against the official source: 25 October 2026

Known limits

We read the official pages on 25 October 2026. We have not tested every step ourselves, so if a screen looks different, follow what the official website shows.