It is a common question for most of the ESIC members that after resignation ESIC card valid or not? and how long ESIC benefits could be taken after resigning a job? Here we will find answers for all these questions. ESIC card is also known as E Pehchan card. Every ESIC member who is contributing to the ESIC scheme can get their ESIC Pehchan card from their employer. Your employer will download your ESI Card and there is no need to visit ESIC office for photographs.
” Any ESIC card is valid until the end of the corresponding ESIC benefit period, but the eligibility for various ESIC benefits depends on the ESIC contribution made in contribution period”.
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Validity of ESIC Card After Resignation
Before knowing about the complete details of the validity of ESIC card after resigning the job, we have to know about what is ESIC contribution period and ESIC beneficiary period.
- ESIC contribution period is divided into Two parts 1 April to 30 September and 1 October to 31 March.
- ESIC Beneficiary period is also divided into Two parts 1 January to 30 June and 1 July to 31 September.
| Contribution Period | Benefit Period |
| 1 April to 30 September | 1 January to 30 June |
| 1 October to 31 March | 1 July to 31 September |
For medical treatment, ESIC card is valid from the first date of insurable employment to last date of the corresponding benefit period. For other ESIC cash benefits, ESIC member should need to have a minimum contribution period so that he/she can avail ESIC benefits in the corresponding benefit period.
- Don’t get confused you can get ESIC medical treatment even if you have contributed for ESIC for 1 day also. Even if you resign after contributing to ESIC for One day then also you are eligible for ESIC medical treatment until the end of contribution period and again in the benefit period.
- But for cash benefits you need minimum contribution period, if you have minimum contribution period then you can avail ESIC cash benefits in the benefit period. Even if you resign also it doesn’t matter, if you have required contribution period then you can avail ESIC cash benefits before the end of the corresponding benefit period.
If you don’t understand above contribution period and benefit period concept, still you don’t need to worry. You can simply check whether you are eligible for particular ESIC benefit or not in online at ESIC IP portal.
ESIC Benefits Eligibility Checking Even After Resignation
Step 1:- To check eligibility for ESIC benefits even after resignation, go to ESIC IP portal and login with your ESIC IP number and captcha appearing on the screen.
Step 2:- Now in home page there is an option called entitlement to benefits under the employee section, now click on that.
Step 3:- Now you can see the list of all the ESIC benefits along with the status that whether you are eligible for that particular ESIC benefit or not.
How to Reactivate ESIC card
In order to reactivate your ESI Pehchan card, you need to give your old ESIC number to your new employer. Your ESIC card will be reactivated when your new employer pays your ESIC contribution.
Related Resources
Student Loans in South Africa: How to Apply and What to Expect
For many young South Africans, accessing higher education is a dream that often comes with a financial challenge. Fortunately, several student loan optionsstrong> are available in South Africa to help fund university, college, or TVET studies. Whether you’re looking for a government loan like NSFAS or a private student loan from a bank, understanding the process is essential for success.
What Are Student Loans?
Student loans are a form of financial aid provided to eligible students to help cover tuition fees, books, accommodation, and other study-related expenses. In South Africa, these loans can come from government institutions like NSFAS or private banks such as Nedbank, Standard Bank, FNB, and Absa. Most loans offer repayment flexibility and low-interest options until you graduate.
Types of Student Loans in South Africa
- NSFAS (National Student Financial Aid Scheme): A government-funded loan/grant program for students from low-income households. Covers tuition, housing, transport, and meals.
- Bank Student Loans: Offered by most major banks. These are credit-based and require a guardian or parent as a co-signer.
- Private Loan Providers: Companies like Fundi offer educational loans covering various costs such as school fees, gadgets, and textbooks.
Requirements to Qualify for a Student Loan
Each provider has its own criteria, but most South African student loans require the following:
- Proof of South African citizenship or permanent residency
- Proof of registration or acceptance at a recognised tertiary institution
- Parent or guardian with a stable income to co-sign (for private loans)
- Completed application form with supporting documents (ID, proof of income, academic records)
How to Apply for a Student Loan
To apply for a student loan in South Africa, follow these steps:
- Identify your loan provider: Choose between NSFAS, a bank, or a private lender.
- Gather necessary documents: ID copies, academic transcripts, acceptance letters, and income statements.
- Complete the application form online or at a branch.
- Await approval: Some banks offer instant decisions, while NSFAS can take a few weeks.
- Receive disbursement: Funds are typically paid directly to the institution or your account, depending on the lender.
Loan Amounts and Repayment
The loan amount you can receive depends on your chosen lender and financial need:
- NSFAS: Covers full tuition, residence, books, and a personal allowance. The loan becomes a bursary if you pass all your courses.
- Banks: Can provide up to R120,000 or more annually, depending on tuition costs and credit history.
Repayment usually starts after graduation or once you start earning an income. Bank loans may require interest-only payments during your studies. NSFAS repayment only begins when you earn above a specific income threshold.
FAQs on Student Loans in South Africa
1. Can I apply for a student loan without a parent or guardian?
For government loans like NSFAS, yes. But most banks require a financially responsible co-signer, especially for students without an income.
2. Is NSFAS a loan or a bursary?
NSFAS starts as a loan, but it converts to a bursary if you meet academic performance requirements. This means you may not have to pay it back.
3. What is the interest rate on student loans?
Private banks offer competitive rates between 5% and 12%, depending on the applicant's credit profile. NSFAS charges a much lower interest rate, usually linked to inflation.
4. What happens if I fail my courses?
If you’re funded by NSFAS and fail, your loan won’t convert into a bursary, and you’ll need to repay the full amount. Banks may continue charging interest, and your co-signer may be held liable.
5. Can I use a student loan to pay for accommodation and laptops?
Yes. Both NSFAS and many bank student loans cover costs beyond tuition, including housing, meals, textbooks, and electronic devices like laptops or tablets.
Final Thoughts
Student loans in South Africa offer a much-needed financial lifeline to thousands of students every year. Whether you're applying through **NSFAS** or a private bank, ensure you understand the **terms, interest rates, and repayment conditions** before signing any agreement. Make informed decisions today to secure your academic and financial future tomorrow.