Understanding ECHS eligibility rules is crucial before applying for the Smart Card. Incorrect dependency or income details often lead to rejection.
Eligibility for Ex-Servicemen
Eligible:
- Pension holders (service/disability/family pension)
- War widows & NOK
- Personnel boarded out with disability pension
Not Eligible:
- Ex-servicemen without pension
- Those using CGHS or other Govt medical schemes
Eligible Dependents
| Dependent | Eligibility |
|---|---|
| Spouse | Always eligible |
| Sons | Unemployed, up to 25 years |
| Daughters | Unmarried / divorced / widowed |
| Parents | Income ≤ ₹9000 + DA |
| Disabled child | Lifetime (min 40% disability) |
Income Rules
- Income limit applies to all dependents except spouse
- Parents must not receive pension
- Annual verification required for children above 18 years
Special Cases
- Remarried widow → only children from first marriage eligible
- If both spouses are defence personnel → parents eligible only if both contribute
Penal Actions
Misuse of ECHS benefits can lead to:
- Permanent cancellation
- Recovery of medical expenses
- Legal action