The Ex-Servicemen Contributory Health Scheme (ECHS) is a vital initiative aimed at providing comprehensive healthcare to ex-servicemen and their dependents. To streamline medical care, the ECHS has established a referral procedure for treatment at empaneled hospitals. This ensures that beneficiaries receive timely and efficient healthcare services while maintaining proper documentation and approvals.
Step-by-Step Referral Process
Initial Consultation at ECHS Polyclinic
- Beneficiaries must first visit the nearest ECHS Polyclinic, where a medical officer will assess their health condition.
- If specialized treatment or hospitalization is required, the medical officer initiates a referral.
Issuance of Referral
- The medical officer generates a referral document, specifying the required treatment and the recommended empaneled hospital.
- The referral must be approved by the Officer-in-Charge of the ECHS Polyclinic.
Selection of Empaneled Hospital
- The referral is issued to an ECHS empaneled hospital based on the availability of services and location convenience.
- Beneficiaries cannot seek treatment at non-empaneled hospitals unless explicitly permitted in emergencies.
Seeking Treatment at the Empaneled Hospital
- The beneficiary presents the referral document and ECHS card at the selected empaneled hospital.
- The hospital verifies the referral and provides the prescribed treatment as per ECHS guidelines.
Billing and Approval
- The empaneled hospital submits the treatment details and cost to the ECHS for approval.
- The ECHS authority processes the claim and makes direct payments to the hospital as per the agreed rate structure.
Special Considerations
- Emergency Treatment: In case of life-threatening emergencies, beneficiaries can directly visit an empaneled hospital, but they must inform the ECHS Polyclinic within 24 hours for approval.
- Follow-Up Treatments: A fresh referral is required for any additional treatment beyond the initially approved services.
- Validity of Referral: The referral is valid for a limited period and must be utilized within the specified timeframe.
ECHS for Ex-Serviceman
The ECHS referral procedure is designed to ensure that ex-servicemen and their dependents receive specialized medical care in an organized manner. Adhering to these guidelines helps in seamless access to healthcare, timely treatment, and hassle-free billing. Beneficiaries are encouraged to stay informed about their rights and procedures to maximize the benefits of the ECHS scheme.
- Ex Servicemen Change Your Old Discharge Book in this WayIf your old and original Discharge Book, which was issued during retirement, is… Read more: Ex Servicemen Change Your Old Discharge Book in this Way
- Exservicemen Must Follow – AGI Extended Insurance Benefit 2026 – Complete GuideBackground and Objective of Army Group Insurance (Extended) Benefit for Exservicemen Family The… Read more: Exservicemen Must Follow – AGI Extended Insurance Benefit 2026 – Complete Guide
- SSC Examinations 2026: A Golden Opportunity for Job Seekers and Ex-ServicemenBackground: Role of SSC in Central Government Recruitment The Staff Selection Commission (SSC)… Read more: SSC Examinations 2026: A Golden Opportunity for Job Seekers and Ex-Servicemen
- पूर्व सैनिकों के लिए ECHS में रेफरल प्रक्रिया में राहत70 वर्ष या उससे अधिक आयु के पूर्व सैनिक पूर्व सैनिक कल्याण की… Read more: पूर्व सैनिकों के लिए ECHS में रेफरल प्रक्रिया में राहत
- Will Commutation Deduction Stop after 11 Years ? Court Orders Speaks DifferentAllahabad HC: Employees Cannot Challenge Pension Terms Accepted “With Open Eyes” — Commutation… Read more: Will Commutation Deduction Stop after 11 Years ? Court Orders Speaks Different
- पूर्व सैनिकों की बेटियों के विवाह अनुदान योजना ₹ 100000 : Application Processदेश की सेवा में अपना जीवन समर्पित करने वाले सैनिकों और उनके परिवारों… Read more: पूर्व सैनिकों की बेटियों के विवाह अनुदान योजना ₹ 100000 : Application Process
- Exserviceman Must Update Date of Birth (DOB) of NOK as per Aadhaar PAN and PPO for thisThe Date of Birth (DOB) of a pensioner or Next of Kin (NOK)… Read more: Exserviceman Must Update Date of Birth (DOB) of NOK as per Aadhaar PAN and PPO for this
- Visit Republic Day Celebration 2026 in Delhi : Online and Offline Sale of TicketsIntroduction The Government of India has issued an official Press Release regarding the… Read more: Visit Republic Day Celebration 2026 in Delhi : Online and Offline Sale of Tickets
- Project ECHS – Sewa Aur Samman: AWAA Certificate for Volunteers under ECHS InitiativeThe Ex-Servicemen Contributory Health Scheme (ECHS), under the Ministry of Defence, has launched… Read more: Project ECHS – Sewa Aur Samman: AWAA Certificate for Volunteers under ECHS Initiative
- Concessional Stay Facility for Armed Forces Personnel at Shirdi: An Initiative by an Ex-ServicemanArmed Forces personnel—both serving and retired—along with their families, often travel across the… Read more: Concessional Stay Facility for Armed Forces Personnel at Shirdi: An Initiative by an Ex-Serviceman
- For Exservicemen – AGIF Extended Insurance Scheme Complete GuideThe Army Group Insurance Fund (AGIF) is a vital financial safety net for… Read more: For Exservicemen – AGIF Extended Insurance Scheme Complete Guide
- Govt Employees Won the Case : Bombay High Court Directs Full ReimbursementA Landmark Judgment Upholding the Right to Life and Medical Dignity of Pensioners… Read more: Govt Employees Won the Case : Bombay High Court Directs Full Reimbursement
- No Deduction from Family Pension Towards Commutation After Death of Pensioner : Support Service AvailableBackground: What is Pension Commutation? Under the Central Civil Services (Commutation of Pension)… Read more: No Deduction from Family Pension Towards Commutation After Death of Pensioner : Support Service Available
- ECHS Recruitment 2026: for Ex-Servicemen & Medical ProfessionalsThe Ex-Servicemen Contributory Health Scheme (ECHS) has officially announced its Recruitment Drive for… Read more: ECHS Recruitment 2026: for Ex-Servicemen & Medical Professionals
- Double Gratuity for Ex-Servicemen (ESM): Facts Rules Myths and Legal PositionGratuity Rules and Recent Changes Gratuity is a statutory retirement benefit paid in… Read more: Double Gratuity for Ex-Servicemen (ESM): Facts Rules Myths and Legal Position
- For Ex-Servicemen in West Bengal : Key Financial & Livelihood SchemesAn Official Initiative by Rajya Sainik Board, Govt. of West Bengal ( এই… Read more: For Ex-Servicemen in West Bengal : Key Financial & Livelihood Schemes
- RECRUITMENT OF EX-SERVICEMAN IN NCC IN THE POST OF PIThe Directorate General, National Cadet Corps (DGNCC), under the Ministry of Defence, Government… Read more: RECRUITMENT OF EX-SERVICEMAN IN NCC IN THE POST OF PI
- Exservicemen Must Avoid These 30 Mistakes ❌ DO NOT IGNORE THESE — CHECK NOW Retirement from defence service is… Read more: Exservicemen Must Avoid These 30 Mistakes































