Healthcare is one of the most important concerns for ex-servicemen and their families after retirement. To honour their service, the Government of India offers several free and subsidised health schemes for ex-servicemen, ensuring long-term medical security.
This updated 2026 guide explains all major free health schemes available to ex-servicemen, eligibility, and how to apply.
1. Ex-Servicemen Contributory Health Scheme (ECHS)
ECHS is the primary healthcare scheme for retired defence personnel.
Key Benefits
- Cashless treatment at ECHS empanelled hospitals
- Free OPD consultations at ECHS polyclinics
- Free medicines and diagnostics
- Coverage for dependents
- Reimbursement for emergency treatment
👉 Internal link: ECHS benefits
👉 Internal link: ECHS eligibility
2. Ayushman Bharat (PM-JAY)
Ex-servicemen families who meet income criteria can also benefit from Ayushman Bharat.
Highlights
- ₹5 lakh annual coverage per family
- Cashless treatment in empanelled hospitals
- Covers major surgeries and hospitalisation
⚠️ Note: You cannot claim both ECHS and Ayushman Bharat for the same treatment.
3. Central Government Health Scheme (CGHS)
Some defence pensioners posted in civil services or eligible under special categories may access CGHS.
4. State Government Health Schemes
Many states provide additional free healthcare schemes:
- Rajasthan RGHS
- Tamil Nadu CMCHIS
- Delhi Arogya Kosh
5. Free Treatment in Military Hospitals
In emergencies, ex-servicemen can receive treatment in:
- Military Hospitals
- Service hospitals (subject to availability)
Conclusion
For most ex-servicemen, ECHS remains the most comprehensive and reliable healthcare scheme. Understanding eligibility and benefits ensures you receive timely medical care without financial stress.