Dr.P.Sangeetha, Research Co-orindator,
Department of Commerce, Angappa College of Arts & Science, Coimbatore, India.
Dr. R.S.Kanimozhi, Associate Professor
Department of M.Com. PSGR Krishnammal College for Women, Coimbatore, India.
Dr.G.Indrani, Assistant Professor,
Department of Commerce, PSGR Krishnammal College for Women, Coimbatore, India.
A STUDY ON AWARENESS AND EFFECTIVE UTILIZATION OF EMPLOYEE STATE INSURANCE (ESI) AMONG EMPLOYEES’
Authors
Abstract
Employee State Insurance (ESI) scheme is a very large social security. The
scheme encompasses basic economic risks namely health, sickness, disability, death,
maternity. It is different from other types of insurance like health insurance that it provides
full amount of medical bill irrespective of the premium contribution. The purpose of the
present study is to analyze the awareness and effective utilization of ESI among employees’.
The study also attempts to review the various ESI benefits available to employees. For this
purpose, 137 respondents are selected in purposive sampling technique. Statistical tools like
ANOVA, chi square test, Descriptive statistics, Regression, Correlation have been applied
for analysis purpose. The finding of the study shows that the most of employees are aware of
the “Sickness benefit” and they are also aware of “availing of the ESI cards”. “Medical
benefits “are mostly utilized by the employees. Similarly, the employees’ are satisfied with
the emergency services provided in the ESI hospital. The study also reveals that the “Lack of
facilities” is the major problem faced by the employees.