ECHS Medical Scheme 2025 – Full Benefits, Eligibility & How to Apply

Ex-Servicemen Contributory Health Scheme (ECHS) ek aisi scheme hai jo retired defence personnel aur unke parivaar ke liye medical suvidhayein provide karti hai.
2025 mein bhi yeh scheme cashless treatment, free medicines, aur empanelled hospitals ka access deti hai.

Is article mein aapko milega:

• ECHS ke benefits 2025 mein
• Kaun apply kar sakta hai
• Kaunse documents lagenge
• Step-by-step process card banwane ka

🏥 ECHS Kya Hai?

ECHS ek healthcare scheme hai jo Ministry of Defence ne launch ki thi retired Army, Navy aur Air Force personnel ke liye.

Ek baar contribution dene ke baad aapko aur aapke dependents ko lifetime medical coverage milta hai polyclinics aur empanelled hospitals mein.

✅ ECHS Benefits 2025

• Cashless treatment – OPD, IPD, diagnostics, surgery sab free.
• All India Network – 400+ polyclinics & hospitals.
• Family cover – spouse, bachche aur dependent parents included.
• Specialised care – bade hospitals mein tertiary care available.
• Free medicines – ECHS polyclinics se prescription ke basis pe.
• Lifetime card – ek baar contribute karo, hamesha ke liye valid.

👨‍👩‍👧‍👦 Eligibility

• Retired Army, Navy, Air Force pensioners.
• Spouse aur bachche (certain age limit tak).
• Dependent parents.
• Widows of deceased defence personnel.

📄 Documents Required

1. Discharge Book / PPO
2. Service Certificate / Retirement Order
3. Pension details
4. Aadhaar (sabhi members ke)
5. PAN Card
6. Passport size photos
7. Address proof (Aadhaar / Voter ID / Bill)

📝 Step-by-Step Process (ECHS Card Apply 2025)

Step 1: Online Registration
👉 Website: https://echs.gov.in
👉 “Online Smart Card Application” pe click karein
👉 Service aur pension details bhar dein

Step 2: Dependents Add karein
👉 Aadhaar, PAN, photos upload karein
👉 Relation select karein (spouse, child, parents)

Step 3: Documents Upload karein
👉 PPO, Discharge Book, ID proof upload karein

Step 4: Contribution Payment
👉 Rank ke hisaab se ek hi baar contribution fee pay karni hoti hai

Step 5: Verification
👉 Record Office documents verify karega

Step 6: Card Print & Delivery
👉 Approval ke baad Smart Card aapke ghar bheja jayega

💰 Contribution Charges (2025)

Rank Category	Contribution (One-Time)
Sepoy / Naik / Havildar	₹30,000
JCOs	₹50,000
Officers (upto Lt. Col)	₹80,000
Colonels & Above	₹1,20,000

(Official updates ke liye site check karna zaroori hai)

FAQs on ECHS

🔚 Conclusion

ECHS Medical Scheme 2025 ek lifeline hai har retired defence personnel ke liye. Agar aapne abhi tak apply nahi kiya, toh turant apna ECHS card banwa lijiye aur scheme ke benefits le.

👉 Official Website: https://echs.gov.in

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