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How to Apply for ECHS Card Ex-Servicemen Health 2026
ECHS Card - lifetime health insurance for ex-servicemen + spouse. Cashless at empanelled hospitals.
📁 Healthcare
⏱️ 30-45 mins
💰 ₹6,000-1,20,000
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About This Guide
Ex-Servicemen Contributory Health Scheme (ECHS) - lifetime health insurance for ex-servicemen + spouse + eligible dependents. One-time contribution ₹6,000-1,20,000 (rank-based). Cashless at 2,000+ empanelled hospitals + ECHS polyclinics. Replaces medical reimbursement scheme.
Eligibility Criteria
- Ex-servicemen (military pension)
- Spouse
- Eligible dependents (parents 60+, unmarried daughters)
- Honorably discharged
- Aadhaar mandatory
- Defence pension book valid
Documents Required
Keep these documents ready before starting application. Missing documents = delayed approval.
- Aadhaar
- Discharge book / PPO
- Identity card (military)
- Spouse marriage certificate
- Photographs (family)
- Bank account (for refunds)
- Caste certificate (if applicable)
- Application Form
Step-by-Step Application Process
Follow these steps in order. Each step is critical - skip none.
New Membership
For ex-servicemen.
Eligibility Check
Pension status verification.
Pay Contribution
₹6,000 (sepoy) to ₹1,20,000 (officer). One-time.
Submit Documents
Discharge book + family details.
Polyclinic Verification
Local ECHS polyclinic.
Card Generation
Smart Card with photo + details.
Use at Hospitals
2,000+ empanelled. Cashless.
ECHS Polyclinics
OPD + medicines free at polyclinics.
Key Benefits
- Lifetime health cover
- Spouse + dependents
- Cashless 2,000+ hospitals
- ECHS polyclinic OPD free
- Specialist consultations
- All medical procedures
- Critical illness covered
- Affordable contribution
- Veterans recognition
- Refund possible if dies (pro-rated)
What Happens After Application?
30-90 days card. Lifetime use.
Frequently Asked Questions
Already in CGHS?
CGHS for civil employees. ECHS specifically for ex-servicemen. Cannot have both.