One of the most common reasons for ECHS claim rejection is missing or incomplete documents. Even a small mistake—such as an unreadable bill or a missing prescription—can lead to your reimbursement being delayed or rejected.
If your ECHS claim was rejected due to missing documents, don’t worry. In most cases, the claim can be corrected and resubmitted.
This 2026 updated guide explains:
- Why ECHS claims get rejected for missing documents
- A complete document checklist for OPD, IPD & Pharmacy claims
- How to fix and resubmit a rejected claim
- Tips to avoid rejection in the future
✅ Why ECHS Claims Are Rejected Due to Missing Documents
ECHS follows strict audit and CGHS-based guidelines. If any mandatory document is missing, unclear, or invalid, the Bill Processing Agency (BPA) cannot process the claim.
Common document-related issues include:
- Missing discharge summary
- Prescription not uploaded
- Cancelled cheque missing
- Bills without stamp or GST number
- Wrong document uploaded under wrong category
📋 Complete ECHS Claim Document Checklist (2026)
Use this checklist before submitting or resubmitting your claim.
🏥 IPD Claim (Hospital Admission) – Mandatory Documents
You must upload ALL of the following:
✔ Copy of ECHS Smart Card
✔ Discharge Summary (signed & stamped)
✔ Emergency Certificate (if hospital was non-empanelled)
✔ Original Hospital Bills (itemized)
✔ Payment Receipts
✔ Doctor’s Prescription
✔ Investigation / Lab Reports
✔ Operation Notes (if surgery done)
✔ Copy of Cancelled Cheque (beneficiary account)
📌 Missing even one document can result in rejection.
💊 OPD Claim – Mandatory Documents
✔ ECHS Card copy
✔ Doctor’s prescription
✔ OPD consultation bill
✔ Investigation bills (if any)
✔ Cancelled cheque copy
📌 OPD claims submitted without prescription are automatically rejected.
🏪 Pharmacy / Medicine Bill Claim – Mandatory Documents
✔ ECHS Card copy
✔ Doctor’s prescription
✔ Medicine bills with GST number
✔ Pharmacy stamp & signature
✔ Cancelled cheque
📌 Handwritten bills or bills without GST are not accepted.
🚫 Common Missing Document Mistakes That Cause Rejection
❌ Prescription uploaded but not signed
❌ Cancelled cheque not matching beneficiary name
❌ Discharge summary without diagnosis
❌ Bills uploaded as blurred images
❌ Wrong document uploaded under wrong section
❌ Missing emergency justification for private hospital treatment
🔄 What To Do If Your ECHS Claim Is Rejected for Missing Documents
✅ Step 1: Check Rejection Remarks
Login to the ECHS portal and read the exact rejection reason.
✅ Step 2: Arrange Missing Documents
Collect the required document(s) from:
- Hospital
- Pharmacy
- Bank (for cancelled cheque)
✅ Step 3: Resubmit Claim (If Returned)
If status is “Returned”, upload documents and resubmit online.
❌ If Status Is “Rejected”
- Contact your ECHS Polyclinic
- Submit clarification or appeal (if allowed)
📥 ECHS Claim Missing Documents Checklist (PDF)
📌 Recommended:
Create a printable PDF checklist from this article so users can:
- Tick documents before submission
- Avoid repeat rejections
- Keep records safely
This type of PDF improves:
- User engagement
- AdSense session duration
- Repeat visits
🛡️ Tips to Avoid Document-Related Rejection in Future
✔ Scan documents clearly (PDF preferred)
✔ Keep file size within portal limits
✔ Upload documents in correct category
✔ Match beneficiary name on cheque
✔ Submit claims as early as possible
✔ Keep copies for at least 1 year
❓ FAQs – Missing Documents & ECHS Claims
Q. Can I resubmit a rejected ECHS claim?
Yes, if the claim is returned due to missing documents. Final rejections depend on case review.
Q. Is cancelled cheque mandatory?
Yes, for all reimbursement claims.
Q. Are handwritten medical bills accepted?
No. Bills must be computer-generated with GST details.
Q. What happens if discharge summary is missing?
IPD claims without discharge summary are rejected.
✅ Final Words
Most ECHS claim rejections due to missing documents are preventable. Using this complete checklist, you can submit error-free claims and avoid unnecessary delays.
📌 Bookmark this page
📌 Download the checklist
📌 Always verify before submission
