Eligibility, membership fee by rank, hospital empanelment, claim process, and what ECHS does NOT cover — the complete veteran's handbook.
Officers ₹30k, JCOs ₹16k, jawans ₹10k. Pay once at retirement; covers you, spouse, dependants for life. No annual premium. Best healthcare deal in the country.
All ranks get same medical coverage. Differences are in room category at empanelled hospitals (officer = AC private, JCO = AC semi-private, jawan = general ward). We help you understand which empanelled hospital gives you officer-grade care.
Major critical illness in private super-speciality, dental beyond basic, alternative medicine, abroad treatment. Top up with a ₹50 L private super-top-up — usually under ₹15k/yr.
Indicative figures. Actual offer depends on your profile. Praarabdh is a Data Fiduciary under the DPDP Act, 2023.
All veterans drawing service pension or family pension. Reserve Liability Service personnel are eligible after fulfilling minimum service. Pre-2004 retirees got grandfathered in.
Only if they are wholly dependent on you AND their income is below the threshold (₹9,000/month, last revised). The polyclinic verifies dependence annually.
Walk into any empanelled hospital → show ECHS card → admission proceeds cashless for listed packages. Non-listed treatments need pre-authorisation from the ECHS regional centre. Most polyclinics now offer 24x7 authorisation.
Cosmetic surgery, infertility treatment (limited), dental beyond extraction + filling, alternative medicine, abroad treatment, ambulance for non-emergency. We recommend a ₹50 L private super-top-up to plug these gaps — under ₹15k/yr for a couple in 50s.
Cashless vs reimbursement, what's not covered, polyclinic tips veterans wish they'd known.
One short form. We compare the panel for your profile. A real Praarabdh advisor calls within 48 hours.
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