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How to Claim ECHS Medical Reimbursement in 2026 – Complete Step-by-Step Guide
Ex-Servicemen and their families can utilize the Ex-Servicemen Contributory Health Scheme (ECHS) to claim reimbursement for medical treatments. This guide explains the entire procedure, ensuring your claim is processed successfully without delays.
Who Can Claim ECHS Reimbursement?
- Valid ECHS cardholders including ESM, widows, and dependent family members
- Treatments must be genuine with complete supporting documents
- Claims should be submitted within the prescribed time frame
Required Documents for ECHS Claim
- Completed and signed ECHS Claim Form
- Original hospital or pharmacy bills
- Discharge summary or OPD prescription
- Referral slip (if treatment was not an emergency)
- Emergency treatment certificate (if applicable)
- Copy of ECHS card
- Bank passbook first page or cancelled cheque
- Copy of Aadhaar card
Step-by-Step Process to Submit ECHS Claim
Step 1: Fill Out Claim Form
Collect the claim form from your ECHS Polyclinic or download online. Fill in all patient and hospital details carefully.
Step 2: Attach Supporting Documents
Ensure all original bills, prescriptions, and referral documents are attached. Clear and readable bills are necessary for approval.
Step 3: Submit Form to Polyclinic
Submit the claim and documents to your parent ECHS Polyclinic. Staff will verify the documents.
Step 4: Forwarding to Regional Centre
The Polyclinic forwards your claim to the ECHS Regional Centre for processing and approval.
Step 5: Receiving Reimbursement
Once approved, the reimbursement amount is directly credited to your bank account. Processing usually takes 30–60 days, sometimes up to 90 days.
Common Reasons for Claim Rejection
- Missing referral slip
- Non-empanelled hospital without emergency proof
- Charges exceeding CGHS limits
- Incomplete or missing documents
Tips for Successful Claim
- Report emergencies to ECHS within 24 hours
- Do not laminate original bills
- Keep copies of all documents for your records
- Submit claims within deadlines to avoid rejection
Frequently Asked Questions
Q: Can I claim for emergency treatment without referral?
A: Yes, if a proper emergency certificate is provided by the hospital.
Q: When will I get reimbursement for medicines?
A: Reimbursement for medicines is available only if the required medicines were unavailable at the ECHS pharmacy.
Q: How to check the status of my ECHS claim?
A: Contact your parent ECHS Polyclinic or the Regional Centre to check claim status.
Conclusion
By following these steps and keeping all documents ready, your ECHS medical claim or reimbursement can be processed smoothly. Always check deadlines and maintain copies to avoid rejection.
Bookmark this page for the latest updates on ECHS claims and rules.
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