<h1><span style="font-weight: 400;">Is Medical Insurance Mandatory for Employees in India?</span></h1>
<p><span style="font-weight: 400;">A common question among employers and employees is, </span><a href="https://www.nivabupa.com/corporate-insurance-articles/is-group-health-insurance-policy-mandatory-for-employees-in-india.html"><strong>Is medical insurance mandatory for employees in India</strong></a><strong>?</strong><span style="font-weight: 400;"> The answer is yes. As per the Employee State Insurance (ESI) Act, 1948, and the guidelines under the IRDAI and Labour Laws, providing medical insurance to employees is a legal requirement for certain businesses.</span></p>
<h3><strong>Legal Requirements for Employee Medical Insurance</strong></h3>
<ol>
<li style="font-weight: 400;"><strong>Employee State Insurance (ESI) Scheme</strong><span style="font-weight: 400;"> &ndash; Companies with 10 or more employees (20 in some states) and a salary limit of ₹21,000 per month must provide ESI coverage.</span></li>
<li style="font-weight: 400;"><strong>Group Health Insurance</strong><span style="font-weight: 400;"> &ndash; As per the MHA guidelines post-COVID-19, businesses must offer medical insurance to employees, especially in the organized sector.</span></li>
<li style="font-weight: 400;"><strong>Compliance &amp; Employee Welfare</strong><span style="font-weight: 400;"> &ndash; Providing medical insurance ensures legal compliance while offering financial security to employees in case of medical emergencies.</span></li>
</ol>
<p><span style="font-weight: 400;">So, if you are an employer wondering, Is medical insurance mandatory for employees in India?, the answer is clear&mdash;yes, and it is essential for both compliance and employee well-being.</span></p>
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