AWARENESS &

EFFECTIVENESS OF ESI.
LEGISLATION AT PROGRESSION

SHEIKH TANVEER AHMED | AMRI HOSPITAL, Bhubaneswar | July 5, 2019

CERTIFICATE

I, RAJASHREE UPADHAYA HEREBY CERTIFIES THAT SHEIKH TANVEER

AHMED, REGISTRATION NO. 1801247048 A PGDM STUDENT OF REGIONAL
COLLEGE OF MANAGEMENT, BHUBANESWAR HAS COMPLETED HIS
INTERNSHIP WORK SUCCESSFULLY ON THE PROJECT ENTILED
“AWARENESS AND EFFECTIVENESS OF ESI POLICIES.”

AT AMRI HOSPITAL, BHUBANESWAR PREPARED UNDER MY GUIDENCE.

DURING THIS PERIOD, WE FOUND HIM TO BE SINCERE AND

HARDWORKING. HE WAS ALWAYS WILLING TO ACCEPT ADDITIONAL
RESPONSIBILITIES AND SHOWED A LOT OF INTEREST IN HIS WORK.

WISHING HIM ALL THE SUCCESS IN FUTURE.

MRS. RAJASHREE UPADHAYA.

DGM-HRM & D

(AMRI HOSPITALS, BBSR)

PAGE 1
CERTIFICATE OF COLLEGE

I, DR.SARITA NAYAK HEREBY CERTIFY THAT SHEIKH TANVEER AHMED

BEARING REGISTRATION NO. 1801247048. A STUDENT OF REGIONAL
COLLEGE OF MANAGEMENT, BHUBANESWAR HAS COMPLETED THE
PROJECT REPORT ON ESIC POLICIES OF AMRI HOSPITAL.

DR.SARITA NAYAK

HOD-HRM

RCM, BBSR.

PAGE 2
ACKNOWLEDGEMENT

With deepest sense of gratitude and reverence, I would like to express my indebtedness to
my esteemed industry guide MRS. RAJASHREE UPADHYA, for her kind patronage,
superb pedagogy.

I have proud privilege to express my deep sense of gratitude and reverence to my faculty
guide DR. SARITA NAYAK, for her constant support and faith she showed in me.

I am highly obliged to MRS. BISHNUPRIYA PRADHAN, Miss. CHITRALEKHA

SABAT, Miss. ALIVA MANSINGH and MR. MANISH SAHI. Their encouragement,
unremitting inspiration, support and guidance.

I must express heartfelt thanks my batch mates for their continuous help at various stages
of this work.

I take special opportunity to express profound and sincere thanks to my family who have
always been a great abundance of inspiration and encouragement.

Above all, I offer my whole hearted devotion and prayers to almighty ALLAH whose
unseen hand is always guiding me to every breath.

SHEIKH TANVEER AHMED

PAGE 3
DECLARATION

I SHEIKH TANVEER AHMED, REGISTRATION NO- 1801247048 HEREBY

DECLARES THAT THE REPORT OF THE PROJECT ENTITLED “AWARENESS
AND EFFECTIVENESS OF ESI POLICIES IN HEALTHCARE SECTOR.”
CARRIED OUT AT AMRI HOSPITAL, BHUBANESWAR.

UNDER THE GUIDENCE OF MRS. RAJASHREE UPADHYA

AND DR. SARITA NAYAK. IT IS BASED ON ACTUAL IN DEPTH STUDY, AS
FAR AS PRACTICABLE. UNDERTAKEN BY ME IN HIMKAN RESOURCE
DEPARTMENT OF AMRI HOSPITAL, BHUBANESWAR, ACCORDING TO THE
REQUIREMENTS OF PGDM TO REGIONAL COLLEGE OF MANAGEMENT,
BBSR.

SIGNATURE:

NAME:

PAGE 4
EXECUTIVE SUMMARY

“GOVERNMENT REDUCES ESI CONTRIBUTION RATE TO 4%, INDUSTRY TO

SAVE RS.5K CRORE ANNUALLY.”

- BUSINESS TODAY.
JULY 1, 2019

The government has taken a historic decision to reduce the rate of contribution under the
ESI Act of 1948, from 6.5% to 4%. Earlier employer’s contribution was 4.75% which is
reduced to 3.25% & employee’s contribution being reduced from 1.75% to .75%, the
ministry said.

Back of the envelope calculations suggest that reduction in the contribution rate would
benefit 12.85 lakhs employers and 3.6 crore employees who have contributed a mammoth
amount of RS. 22,279 crore towards ESI scheme in 2018-19.

The government in its pursuit to expand the social security coverage to more and more
people in a phased manner with a change in wage ceiling enhanced from RS.15k to
RS.21k. Employee State Insurance (ESI) Scheme is a very large social security. It is
different from other types of insurance like Health Insurance that it provides full amount
of medical bill irrespectively of the premium contribution. The purpose of the study is to
analysis the awareness and satisfaction with the level of Utilization of Employee State
Insurance (ESI) policy. The study also attempt to review the various Employee State
Insurance (ESI) benefits available to the Employees. The research paper is to find the
effects of utilization of Employee State Insurance (ESI) policy using various statistical
tool.

PAGE 5
CONTENTS

PAGES

i. COMPANY PROFILE 7-10

ii. INTRODUCTION 11-13

iii. REVIEW OF LITERATURE 14-17

iv. OBJECTIVES & NEED OF THE STUDY 18

v. RESEARCH METHODOLOGY 19-20

vi. SCOPE & LIMITATION 21-22

vii. DATA ANALYSIS 23-30

viii. DATA INTERPRETATION

ix. FINDINGS & CONCLUSION 31-32

x. RECOMMENDATIONS 33

xi. BIBLIOGRAPHY 34

xii. ANNEXTURE ADDITIONAL PAGES(1-2)

PAGE 6
COMPANY PROFILE

CIN U85110WB1986PLC040525

COMPANY NAME AMRI HOSPITALS LIMITED

COMPANY STATUS ACTIVE

ROC KOLKATA

REGISTRATION NUMBER 40525

COMPANY CATEGORY COMPANY LIMITED BY SHARES

COMPANY SUB CATEGORY NON GOVERNMENT COMPANY

CLASS OF COMPANY PUBLIC

DATE OF INCORPORATION 16TH APRIL, 1986

AGE OF COMPANY 33YEARS, 2 MONTHS, 15 DAYS

ACTIVITIES HUMAN HEALTH

PRESENT DIRECTORS KARABI SENGUPTA

RAJESH PAREEK

RUPAK BARUA

ANIL KUMAR MALLAWAT

ASHISH GOENKA

PAGE 7
VISION
‘’Be cherished as the best place to come for care & best place to work.”

MISSION

I. To provide healthcare services maintaining accountability in a responsible

manner which contribute to the physical, psychological, social & spiritual
well-being of the patients & community, which we serve.

II. To participate in the creation of healthier lives within the community

conforming to the requirements of our patients & customers round the
clock & constantly measuring & striving to improve the outcomes of care
and services.

III. To create & sustain a work environment in which all participants are
empowered & committed to continual quality improvements, conforming
the values of improvement, participation, acknowledgement,
accountability, teamwork, integrity & respect.

IV. Create the national model of care through relentless pursuit of unparalleled
quality & value to entire satisfaction of patients, customers & staffs.

V. To carry on educational & research activities related to the provision of care

to the sick & injured related to the promotion of health & continually
rethink, reshape & redefine solutions to healthcare challenges.

PAGE 8
ADVANCED MEDICAL & RESEARCH INSTITUTE LIMITED.

-Get well sooner.

In early 1990’s the government of west Bengal handed over the charge of “Niramoy” a
government owned polyclinic at dhakuria, to Mr. Shravan Todi of Sarachi Group. He
inducted EMAMI and another promoter, to build AMRI ltd., a super specialty hospital
with the sizeable investment to offer quality healthcare. The name was finally changed to
AMRI Hospitals Limited in 2009. The most visible value that the EMAMI group brought
to the institution was a spirit of passionate entrepreneurship.

With growing citizen awareness there emerged a greater need for superior health care in
eastern India. The EMAMI Group was also ready to commission new space, enter new
specialty segments, attract global ex- Kolkata doctors and position themselves as the
premier health care service providers in eastern India. The EMAMI Group would
leverage its irrepressible entrepreneurial spirit to expand the benefits of affordable
healthcare to thousands.

The growth was not just about doing things a little better than competition; it was about
the introduction of a transformative experience through the induction of the best
competencies, equipment, facilities and technology for the first time to eastern India. The
growth was historically significant as it corporatized private healthcare for the first time
in the eastern shores.

The AMRI Hospitals Ltd. Today is unified Group with 1000 beds, over 500 doctors and
10000 surgeries successfully held every year. Its super specialty tertiary care units are
located at

 DHAKURIA
 SALT LAKE
 BHUBANESWAR
 MUKUNDPUR
 SOUTHEREN AVENUE (KOLKATA)

PAGE 9
With a slew of new investments and under a vibrant new board of Directors, guided by
the dynamic Group CEO Mr. Rupak Barua. The finest technologies & a dedicated team
of doctors, nurses, technicians, patient service staffs, behind service departments to
emphasize on providing true value of money & total patient satisfaction. The
management initiative ensures coordination, transparency and a human face in the
administration group is all set to implement sweeping changes to head for a super-
fast track of growth.

AMRI Dhakuria is 1st hospital in eastern India & 2 nd in the whole country in implanting
world’s smallest NANO pacemaker weighing 2gms only!

It has the credit of implanting India’s 1 st wireless defibrillator & LAA implanter to
prevent stroke.

AMRI Bhubaneswar houses the best in class comprehensive CANCER care unit in
Odisha, in association with ASIAN CANCER INSTITUTE, MUMBAI (ACI).

PAGE 10
INTRODUCTION
Employees State Insurance Scheme is an integrated multidimensional Health Insurance &
Social Security legislation for workers working in organized sector earning monthly
wages up to Rs15, 000/- per month and their dependent family members. There is an ESI
Act 1948 which deals with entire gamut of ESI Scheme. Any establishment employing 10
or more persons can be covered under this Act. The employees covered under the Act are
termed as Insured Persons (IPs). The ESI Act came in to operation in Odisha during
January 1960. The contribution share for employees and employers for ESI fund is
1.75% and 4.75% of monthly income respectively. The State Government is entrusted to
provide full medical care to IPs and their family members through 5 ESI Hospitals and 45
ESI Dispensaries in 20 Districts. Moreover there are tie-up arrangements with Private
Medical/ Nursing Homes besides providing super specialty treatment in three Medical
College & Private Medical Colleges in the State. Besides the needy cases are also
referred to Institutions like AIIMS, CMC, Vellore, Tata Memorial Hospitals, Mumbai
and other reputed Medical Institutions outside the State. At present the ESI Scheme in
Odisha is providing full medical care to more than 2, 36,500 insured persons and their
family members.

Number of beneficiaries covered 2,36,500

under ESI
Number of Hospitals 05

Number of Dispensaries 45

Number of Dispensaries functioning 35

in rented building

Number of Hospitals and 12

Dispensaries functioning in own
building

Source: Labor & Employment Department of Government of Odisha as on 28/5/2011.

PAGE 11
ORGANIZATION

As provided under the ESI Act, the Scheme is administered by a duly constituted
corporate body called the “Employees‟ State Insurance Corporation (ESIC)”. It
comprises members representing Central and State Governments, Employers, Employees,
Parliament and the medical profession. Union Minister of Labor & Employment
functions as Chairman of the Corporation whereas the Director General, as its chief
executive, discharges the duty of running the day-to-day administration. And kind that
includes full medical care. Medical facilities are provided through a network of 1403 ESI
Dispensaries, over 1678 Panel Clinics, besides 150 ESI hospitals and 42 hospitals
annexes with other 27839 beds. For providing super-specialty medical care, the
Corporation has tie up arrangements with advanced medical institutions in the country,
both in the public and private sector. The medical benefit is administered with the active
cooperation of the State Governments. The payment of cash benefits is made at the grass
roots level through as many as 799 Branch Offices and Pay Offices that function under
the direct control of the Corporation. ESIC IT project Panchadeep, one of the largest e-
governance projects is under the implementation at present. All ESI institutions are being
networked under this project for enabling IPs and their family members to avail ESI
benefits anywhere any time two smart cards christened as “Pehchan Cards”, one for
insured person and the other for the family are being issued.

STANDING COMMITTEE

A Standing Committee representing all stakeholders is elected from the body corporate
for managing the affairs of the scheme and monitoring the progress of implementation of
various corporate decisions and policies etc. from time to time.

PAGE 12
MEDICAL BENEFIT COUNCIL

The Medical Benefit Council, a statutory body advises the Corporation on matters
related to administration of medical benefit under the ESI Scheme. The central
headquarters of the Corporation is located at New Delhi. For purpose of coverage,
revenue collection, extension of the scheme to new classes of establishments,
implementation of the scheme in new areas, coordination with the State Governments and
general administration of the Corporation has established Regional, Sub-Regional and
Divisional Offices across the country mostly located in the State Capitals. Given the huge
number of beneficiaries – about 6.02crores now the Corporation has set up a wide spread
network of service outlets for prompt delivery of benefits in cash highly inevitable for
effective implementation of the scheme.

THE BENEFITS UNDER THE ACT ARE:

 SICKNESS BENEFIT
 MATERNITY BENEFIT
 DISAMBLEMENT BENEFIT
 DEPENDENT BENEFIT
 MEDICAL BENEFIT
 FUNERAL BENEFIT

ROLE OF THE EMPLOYER

In order to derive the highest social security environment in the country and for effective
implementation of the ESI scheme the role of the employer is vital and affirmative. One
of the reasons for rigidity in labor laws is that the ‘employer’ is expected to provide,
individually, for security of employment (i.e., guarding against risks of loss of job, family
sickness), retirement benefits and bear the costs of accidents and other occupation-related
risk compensation. It is the obligation of the employer as per the act to extend the ESI
benefits / coverage with an affirmative view for providing the social security needs of the
labor, else they should not explore any corner ways to evade the same, aiming to dodge
the taxes and other costs to be incurred on the part of the employer.

PAGE 13
REVIEW OF LITERATURE

Satpathy I, Patnaik B.C.M & Dev Padma (2011) - The Employees State Insurance
Scheme is an integrated multi-dimensional Health Insurance and Social Security Scheme.
It is one of the most effective and sustainable social measures available to the workmen
employed in industrial and commercial establishments of varying sizes and nature. It
provides comprehensive full medical care and reasonable economic assistance to the
beneficiaries in contingencies like hazards of sickness, maternity, disablement and death
due to employment injury. In the present paper, an attempt to understand the ground
reality of the role of ESI in the study area has been made. Government spends lot of
money in this direction and how far the benefits are being reached to the beneficiaries of
the scheme is the objective of the paper. For this purpose 14 variables were identified
after the pilot study and perception score method was used for the better understanding of
the issues related to the ESI.

Satpathy I, Patnaik. B.C.M & Dev Padma (2011)-The present paper focuses on the
healthcare services provided by the leading hospitals in Bhubaneswar. The objective of
this paper is to understand the perception of the various patients and their friend and
relatives on the health care services provided by the hospitals under study. It is found that
the services provided in KIMS and its infrastructure facilities are better than the Capital
Hospital.

G.K. Suresh Babu (1990) stated that the authorities of the ESI Corporation consider the
ESI Scheme as a sort of industry driven primarily by profit motive, whereas it has to be
regarded essentially as a great social security Scheme. Consequently, the authorities are
keen on reducing amenities and benefits available to employees. This is obvious when we
examine the statistics released by the Corporation itself. In the financial year 1987-88, the
Corporation had sanctioned Rs.62.68 lakhs in the category of monetary benefits to
employees that was reduced to Rs.53.89 lakhs in 1988-89:Percentage-wise, the

PAGE 14
beneficiaries were reduced from 1 to 0.88. In fact, the National Institute of Health and
Family Welfare, after a comprehensive study in 1985 had recommended a minimum of
Rs.300 yearly, subject to 15 percent increase every succeeding year, to every employee
for healthcare.
S. Thomas (2005), the editor of ‘ESI Samachar’, says despite all the endeavors made by
the Corporation for the effective functioning of the ESI Scheme in the country, the public
perception of the Corporation has not been very positive. The Employees’ State
Insurance
Corporation is a service organization and admittedly, there are pockets of inefficiency,
which, to a certain extent, is expected as well. Improving the quality of service at the
ground level as is demanded in all for a discussions is a must. A mechanism should be
devised to gauge the satisfaction level of the beneficiaries so that performance gaps are
identified and remedial measures taken.

G. Muthu Lakshmi (2014) conducted a study on the performance of Employees state

insurance scheme with special reference to Tuticorin district, Tamilnadu. The study
scrutinizes the performance of ESI Corporation and also the perception of employees on
ESI hospitals. The primary data were analyzed with the help of various statistical
measures such as simple percentage analysis, Averages, F-statistic, Chi-square test,
Garrett ranking and percentage analysis. The study found out that ESI
dispensaries/hospitals were not functioning up to the satisfaction of insured persons.
The study also reveals the scope to improve its functions and turn into a highly trustful
and reliable corporation, implementing better services.

Richard Mitchell, Petra Mahy and Peter Gahan (2012) worked on “The evolution of
labor law in India: an overview and commentary on regulatory objectives and
development” In this paper we are aiming to provide a broad overview of the
development of labor law in India. Two notes of caution are due. First, the Indian system
of labor laws is very extensive and dauntingly complex. Our descriptions of the laws
(mainly legislation) are very general, and are intended only to sketch out the broad
parameters of Indian government policy in the regulation of employment relationships
and labor markets. Secondly, we are drawing basically from secondary sources, and
attempting to put the development of the law into a broader socio-political context. In

PAGE 15
particular we intend to examine the evolution of Indian labor law from two perspectives.
The first of these deals with the important time periods through which the law has
progressed since the earliest regulation of the nineteenth century. The second deals with
the quality, purpose and impact of Indian labor law. Here we are interested not merely in
what we think Indian labor law sets out to do, but also particularly in the various
uncertainties and ambiguities which seem to characterize the way in which Indian labor
law has been perceived by scholars and experts over the course of its development. We
conclude with a consideration of what particular aspects of the Indian political economy
have meant for Indian labor law, and what this might mean for the study of labor law
more generally.

Mayer. Brown (2013) “Asia Employment Law” quarterly review 2013 Employee State
Insurance revised ESI inspection guidelines, prosecution and survey and complaints
updated on 1st April 2012 and in 7th May 2012 disabled employees and dependents: ESI
claims procedures also updated as published in the said journal.

Joseph Bonder (1983) - examined an overview of the direct deposit program and the
events that led to the initiations of the electronic fund transfer system and detailed data on
the demographic characteristics of using these programs. He stated that, in 1975 social
security beneficiaries were given the option of having their monthly benefit payment sent
directly to banks through an electronic fund transfer system

A.J Patel (1972), Secretary to the Government of Gujarat, in a letter to the Member-
Secretary, Committee on Perspective Planning, Employees’ State Insurance Corporation,
New Delhi, pointed out that the standard of medical care provided under the Employees’
State Insurance Scheme is at present low on account of inadequate ceiling prescribed by
the Employees’ State Insurance Corporation. If the Government of India starts
contributing towards the Employees’ State Insurance Scheme, it may be possible to
improve the standard. He also mentioned that in view of the restraint on the financial
resources of the State Government, it is not possible for it to agree to give financial

PAGE 16
assistance to the Employees’ State Insurance Corporation by way of grants/loans for the
construction program.

Valsamma Paul (1995), in her study, suggested that the ESI Act,1948 and the Rules may
be amended, binding the employers to provide the employees with necessary information
about the employment injury benefits available under the ESI Act, 1948 and the
formalities for obtaining the same. This will help the illiterate employees, especially the
casual ones avail of employment injury benefits. She also suggested that administration
of medical benefit should be undertaken by the Employees’ State Insurance Corporation
from the State Government.

Punekar S.D, Deodhara S.B & Sarasvati Sanakarn (1984) - analyzed the social
security measures in India. They stated that Employees’ State Insurance and Employees
Provident Fund Scheme were the most important Acts giving the maximum coverage of
social security

Agarwal S.L (1980)-stated that, a policy of comprehensive social security and labor
welfare would keep up the industrial morale and efficiency and an indispensable means
to production and productivity. He explained the various social security schemes
operating in India and the difference between the schemes in India and abroad.

A committee (1981) set up the Ministry of Labor Government of India, to review the
working of the Employees’ State Insurance scheme proposed to include children up to the
age of 21 years and infirm children without any age restriction in the definition of family
so as to make them eligible for medical benefit under the Employees’ State Insurance
Act. It also proposed to increase the number of representatives of the organization of
employers and employees in the Employees’ State Insurance Corporation. A provision is
also being made for setting up of independent machinery for recovery of arrears through
State machinery has caused a lot of delay.

PAGE 17
 OBJECTIVES OF THE STUDY

I. To understand the level of Awareness towards

II. To find out the Level of Satisfaction of the beneficiary employee towards
Employee State.

III. To evaluate the level of utilization of Employee State Insurance (ESI) Policy.

NEED FOR THE STUDY

I. To know about the Importance of Employee State Insurance (ESI) policy at

healthcare sector.

II. To view the level of maturity towards the Employee State Insurance (ESI) policy.

III. To study on the concern benefits utilized by the employee in organization.

IV. The preference given within the organization rules & regulations.

PAGE 18
RESEARCH METHADOLOGY

Social security is a dynamic concept that aims upholding human dignity through
participatory approach and collective social action in the event of economic distress and
physical suffering arising from death, disease disablement. The system is based on the
principle of pooling smaller resources for larger individual and collective social gains. In
order to correlate the effectiveness and perception of the employer on ESI benefits case
study method is adopted.

Collection of Data Both primary and secondary data were used for the study. The
primary data were collected from the respondents based on structured interview schedule.
The secondary data were collected from the publication of the ESI Corporation, reports,
books and periodicals.

For collecting primary data a sample of 50 insured persons were identified and
distributed the questionnaire was distributed and 30 responses at the rate of 60% were
received. The respondents consist of 11 from urban area, 19 from rural area: out of which
12 were males & 18 were females. The data collected were through random sampling
method and all the sample are insured persons only. The data collected was analyzed
broadly in two categories. One is General data and other is specific data. The general data
includes sex, age group, education, marital status, number of dependents, place of
residence, nature of employment, period of service, nature of pay and monthly income
from employment and specific data on the basis of various variables identified after pilot
study in the AMRI HOSPITAL, BBSR.

PAGE 19
 The various variables identified are as below:

I. Awareness about formalities for claiming various benefits provided by the ESI
Corporation.
II. Do you get the outpatient treatment?
III. Do you get the inpatient treatment?
IV. Do you have access to the super specialist treatment?
V. Have you got free supply of drugs and dressings at the time of need?
VI. Availing maternity benefit provided by ESI.
VII. Satisfaction with the services of administrative staff for claiming benefit.
VIII. Satisfaction with services of the employer for claiming benefits.
IX. Satisfaction with the amount of cash benefit.
X. Do you get disablement benefits?
XI. Do you get the extended sickness benefits?

BASIS OF THE STUDY

In the present research, initially 22 variables were identified. However after making a
pilot study and conducting core group discussions with various HR &
ADMINISTRATIVE Officers at AMRI HOSPITALS, Bhubaneswar, the variables were
reduced to 11 only. The opinion of the expert people in the field of ESI was also
considered for the finalization of variables.

PAGE 20
SCOPE OF THE STUDY

The Employees State Insurance Act, is a major legislation on social security for workers
in Independent India. The ESI Scheme as per ESI Act provides social protection to
employees in the organized sector and their dependents. The scheme is engineered to suit
health insurance requirements of employees, provide full medical care to insured persons
and their dependents, as well as, cash benefits to compensate for loss of wages or of
earning capacity in different contingencies. The present study has been under taken to
examine the working of ESIC. More specifically the study attempts to find out answers to
the following:

I. To what extent the insured persons are satisfied with ESI Scheme benefits?

II. Is the working of the machinery of the corporation for the administration of ESI
Scheme effective?

III. Are the insured persons and employers are satisfied with the working of the
machinery?

IV. How can the ESI Scheme be made more effective?

The present study is confined to the AMRI HOSPITAL, Bhubaneswar of Odisha. It

attempts to assess the perception of the insured persons and employers both in semi-
skilled and skilled employees in different bands of the management. However, the focus
of the study will be insured persons.

PAGE 21
RESEARCH GAP

After going through the intensive literature review, it was found that no research has been
done on the perception of insured persons in the healthcare sector of Odisha. This
hospital covers 9 districts of Odisha with a workforce of 950 nursing staffs. There are
also other gaps like work life balance of working staff in ESI, Fund management,
operational efficiency on revenue recovery, employees insurance court, grievance redress
cell etc. However, the current topic was selected to understand the delivery system of ESI
in this part of country.

As we know Government spends crores of money in various schemes including ESI. It is

now high time to understand the ground reality in the research area; which the researcher
induced to undertake the present research.

Since, it is finding that very less study and research has been made on ESI scheme
benefits and its effectiveness for achieving the desired objects of social security through
ESIC. Therefore, there is a wide scope and need to study on the current issue to rectify
the lacunas in implementation of the scheme and for improving the coverage and service
delivery systems effectively.

Limitations of the Study

I. The perception of respondents of the study area may not reflect the actual
scenario of the state.
II. The medical benefits provided by the ESI Scheme to the insured persons and their
dependents through the ESI dispensaries and the ESI hospitals run by the State
Government was studied.
III. Only the responses of the insured persons were taken.
IV. Dependents benefit not assessed in the study as it is given to the dependents of the
insured persons after his/ her death.
V. The Study is restricted to the AMRI HOSPITAL LIMITED, Bhubaneswar of
Odisha.

PAGE 22
DATA ANALYSIS

HYPOTHESIS

To measure the PERCEPTION LEVEL of the participants with regard to role

of ESI in the study area, the various attributes considered in this regard have taken five
point scale and assigned as +3,+2,+1,0 and -1 for the responses of the respondents
“ Completely agree”, “ Agree”, “ Neutral, “ Disagree” and “ Completely disagree”
respectively. Final scores for each feature are calculated by multiplying the number of
response by the weights of the corresponding response.

Calculation of respondents’ perception: Ideal and Least scores Ideal scores are
calculated by multiplying the number of respondents in each category with (+3) and
product with total number of attributes. Least scores calculated by multiplying the
number of respondents in each category with (-1) and the product with number of
attributes in the questionnaires.

Ideal score and Equation Ideal score Equation Least score

least scores of
respondents
Category

Male 12x 3 x11 396 12x -1 x11 -132

respondents

Female 18x3x11 594 18 x -1 x11 -198

respondents

PAGE 23
FINDINGS OF THE STUDY

Findings of the study are as under. The tables are formed on the basis of
questions contained in the questionnaires.

PAGE 24
Attributes Opinion of the male
respondents

Completely agree Agree Neutral Disagree Completely Score

disagree

+3 +2 +1 0 -1

Awareness about 9 1 1 1 1 29
formalities for
claiming various
benefits provided by
the ESI Corporation.

Do you get the 7 1 1 2 1 23

outpatient treatment?

Do you get the 11 1 33

inpatient treatment?

Do you have access 10 1 1 33

to the super specialist
treatment?

Have you got free 12 36

supply of drugs and
dressings at the time
of need?

Availing maternity 5 2 1 1 2 18
benefit provided by
ESI.

Satisfaction with the 12 36

services of
administrative staff
for claiming benefit.

PAGE 25
Satisfaction with 7 4 1 30
services of the
employer for
claiming benefits.

Satisfaction with the 9 3 33

amount of cash
benefit.

Do you get 0 0 0 3 0 0
disablement benefits?

Do you get the 12 36

extended sickness
benefits?

Source: Compiled from field survey

PAGE 26
Attributes Opinion of the female respondents

Completely agree Agree Neutral Disagree Completely Score

disagree

+3 +2 +1 0 -1

Awareness about 18 54
formalities for
claiming various
benefits provided
by the ESI
Corporation.

Do you get the 18 54

outpatient
treatment?

Do you get the 18 54

inpatient
treatment?

Do you have access 9 5 3 1 40

to the super
specialist
treatment?

Have you got free 15 3 45

supply of drugs and
dressings at the
time of need?

Satisfaction with 12 3 3 45
the services of
administrative staff
for claiming
benefit.

Availing maternity 9 2 1 3 3 29
benefit provided by
ESI.

Satisfaction with 12 6 48
the services of
administrative staff

PAGE 27
for claiming
benefit.

Satisfaction with 9 3 6 39
services of the
employer for
claiming benefits.

Satisfaction with 0 0 0 0 0 0
the amount of cash
benefit.

Do you get 12 6 48
disablement
benefits?

PAGE 28
Various attributes Aggregate Score

Response of study area

Male Female

Awareness about 29 54
formalities for claiming
various benefits provided by
the ESI Corporation.

Do you get the outpatient 23 54

treatment?

Do you get the inpatient 33 54

treatment?

Do you have access to the 33 40

super specialist treatment?

Have you got free supply of 36 45

drugs and dressings at the
time of need?

Availing maternity benefit 18 45

provided by ESI.

Satisfaction with the services 36 29

of administrative staff for
claiming benefit.

Satisfaction with services of 30 48

the employer for claiming
benefits.

Satisfaction with the amount 33 39

of cash benefit.

PAGE 29
 Do you get disablement 0 0
benefits?

Do you get the extended 36 48

sickness benefits?

Total score 307 456

Ideal score 396 594

Least score -132 -198

No. of respondents 12 18

Source: Compiled from field survey

PAGE 30
DATA INTERPRETATION

In the above table, the total score are 307 and 456 against this the ideal
cores are 396and 594 respectively for the male and female respondents.
The percentage of total score to the ideal score for the same are 77.5%
and 77%. The average score for the male and female perception score is
77%. However, it is important to note that in no case the total score
near to the least score. Hence the various variables considered after
pilot study seems to be realistic one.

SL NO. TOTAL IDEAL LEAST PERCENTAGE

SCORE SCORE SCORE SCORE

MALE 307 396 -132 77.52525253

RESPONDENTS

FEMALE 456 594 -198 76.76767677

RESPONDENTS
Average 381.5 495 -165 77.14646465

PAGE 31
 Chart Title
77.14646465
4 76.76767677

-165
-198 3

495
2 594

381.5
1 456

-300 -200 -100 0 100 200 300 400 500 600 700

Average FEMALE
RESPONDENTS

CONCLUSION

The Employees State Insurance is one of the most effective and sustainable social
security measure available to the workmen employed in industrial and commercial
establishments. In my paper we tried to understand the ground reality of beneficiaries of
ESI in our study area. Especially in the AMRI HOSPITAL, Bhubaneswar the area
which we covered found to be lot of transformation in the life of the people. However it
is not necessarily the entire healthcare sector got the benefit out of this program. In
certain sectors till today the basic SCHEMES are not aware and effectively utilized.
During our study we had also experienced that most of the people benefited by the ESI
Scheme at the same time some people need to change the mind set to derive the benefits
out of this Scheme. May be as the AMRI HOSPITAL, Bhubaneswar is in the capital
region of Odisha the implementation of program is successful and rest of Odisha needs
for further research before conclusion of successful of ESI Scheme in entire state of
Odisha.

PAGE 32
RECOMMENDATION

The Company need to focus under the benefits of Employee State Insurance (ESI)
policy to the Employee of the company.

The Employee should be properly educated under the Employee State Insurance
(ESI) policy.

The Involvement in this Employee State Insurance (ESI) policy will have an
impact under the productivity scale.

PAGE 33
BIBLIOGRAPHY

Review report of labor & Employment Department of Govt. of Odisha on 28/5/2011

ESI

Medical Manual – Issued by the Director General of ESI Corporation, New Delhi
1983.

Bare Act of ESI- Professional Book Publishers, 2007

Effective Utilization of Employee State Insurance (ESI) Policy at E-Publishing

Sector

By Dr. A. Ananda Kumar, Dr. D. Porkalai & Mr. A. Savio Arokiadass

Christ College of Engineering & Technology

ROLE OF EMPLOYEES STATE INSURANCE (ESI) IN THE CUTTACK

DISTRICT OF ODISHA: A SURVEY

Dr. Ipseeta Satpathy, D.Litt.

* Dr. B.C.M.Patnaik

** Padma Dev*

PAGE 34
ANNEXTURE

SUMMER INTERNSHIP PROGRAM

25TH JUNE, 2019

DEAR SIR/MA’AM,

I am Sheikh Tanveer Ahmed a student of RCM, Bhubaneswar pursuing PGDM

course in the batch of 2018-19. As a part of curriculum requirement I am doing my SIP here at AMRI
HOSPITAL LTD, BBSR, in your esteem workplace.

My subject for SIP is “awareness & effectiveness of ESIC” below given is a questionnaire which I request
you to fill up, so that I could make inference for my report.

Celebrating your soliciting involvement.

Yours truly,

Sheikh Tanveer Ahmed

PERSONAL DETAILS

NAME QUALIFICATION

SEX TENEURE OF SERVICE

AGE NUMBER OF DEPENDENTS

DESIGNATION NUMBER OF TIMES AVAILED

Attributes Opinion of the respondents

Completely agree Agree Neutral Disagree Completely Score

disagree

+3 +2 +1 0 -1

Awareness about
formalities for claiming
various benefits
provided by the ESI
Corporation.

Do you get the

outpatient treatment?

Do you get the inpatient

treatment?

Do you have access to

the super specialist
treatment?

Have you got free

supply of drugs and
dressings at the time of
need?

Availing maternity
benefit provided by ESI.

Satisfaction with the

services of
administrative staff for
claiming benefit.

Satisfaction with
services of the employer
for claiming benefits.

Satisfaction with the

amount of cash benefit.

PAGE 1
Do you get disablement
benefits?

Do you get the

extended sickness
benefits?

PAGE 2