Embassy of India, Kathmandu, Nepal


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ECHS Branch


1. Ex-servicemen Contributory Health Scheme (ECHS) ) is a flagship welfare scheme of Govt of India, launched on 01 Apr 2003 in India.  Accordingly, Government of India has extended ECHS facilities in Nepal to our Nepal Domiciled Indian Defence Pensioners and their dependents for providing free medical treatment to Nepal Domiciled Ex-servicemen and their dependents.


2. The scheme aims to provide quality healthcare to Ex-servicemen (ESM) pensioners and their dependants through a network of ECHS polyclinics and Civil Empanelled / Govt hospitals spread across the country. The scheme has been structured to provide cashless treatment, as far as possible, to its beneficiaries. Treatment provided under ECHS is as per the Allopathic Medical System and is a Govt of India funded scheme.


3. Benefits.

(a)    Allopathic treatment for self and dependants.

(b)    No contribution for pre 1996 retirees, Battle Casualties and war widows. Others can join by paying one time contribution as laid down.

(c)    No age limit for joining ECHS.

(d)    Medicines - lifelong for all diseases.

(e)    All types of diseases covered.

(f)    Patients can get treatment in Empanelled private hospitals in India too.


4. Three polyclinics each at Kathmandu, Pokhara and Dharan have now been operationalised and are functional since mid Apr 2014 with hired medical staff.  The scheme is now compulsory to all the fresh retirees and their ECHS application is filled at the time of retirement.  The contribution for the old retirees, to, can be deposited within Nepal through Bank Drafts.  The Smart Cards can also now be activated in Nepal itself. The facilities available in ECHS polyclinics are as follows :-

    (a)    Medical Specialist
    (b)    Dental Section
    (c)    Laboratory
    (d)    Pharmacy
    (e)    X-Ray


5. MoA with following hospitals have been signed :-

Ser No Name of Hospital MoA Signed on
(a) Manipal Teaching Hospital, Pokhara 13 May 2014 & renewed on
13 May 2016
(b) College of Medical Sciences, Bharatpur 05 Dec 2014
(c) Lumbini Medical College, Palpa 10 Dec 2014
(d) Nepalgunj Medical College, Nepalgunj 15 Dec 2014
(e) BP Koirala Institute of Health Sciences, Dharan 29 Dec 2014
(f) Biratnagar Aspatal Pvt Ltd, Biratnagar 30 Dec 2014
(g) Universal College of Medical Sciences Teaching Hospital, Bhairahawa   19 Aug 2015
(h) Gandaki Medical College, Pokhara   28 Sep 2015


6. Apart from civil empanelled hospitals, patients are also referred to Govt hospitals in Kathmandu for specialized treatments.


7. One mobile clinic each at above locations will also be set up which will visit far flung areas to provide free medical treatment at the doorsteps.  Patients requiring the specialized treatment will be referred to the empanelled hospitals within Nepal.  The ECHS beneficiaries will also have the option to visit India for cashless treatment at the Empanelled hospitals.


8. Procedure to Join. NDG ESM Pensioners desirous of joining the scheme need to fill up the form available at ECHS Branch, Embassy of India, PPO Pokhara, PPO Dharan/ all DSBs.  The filled form along with following documents can be deposited with respective PPOs/ DSBs.

(a)    Photocopies of the following documents :-

        (i)    Nagrikta Praman Patra (NPP) (only for dependants)
        (ii)    Pension Payment Order (PPO).
        (iii)    Pension Patta.
        (iv)    Discharge Book.

(b)    Demand Draft for one time subscription for the retirees after 01 Jan 1996 in favour of ECHS Contribution Account, Kathmandu.

(c)    Self certificate only for spouse and Affidavit in case of parents / children to confirm the dependency (Note :- form and format for self certification (click here).

(d)    Bankers / DPDO certificate regarding amount of pension being drawn.

(e)    Blood group certificate.


9. Issue of Temporary Receipt / Smart Card.     Once the application is received by ECHS Branch Kathmandu, a temporary receipt will be issued to the ESM.  The ESM will become member of the scheme the day a temporary card is issued to him through ECHS Branch by respective PPOs/ DSBs.  Till the time the Smart Card for a member is received this temporary card can be used to avail all ECHS benefits free of cost.   Once the ECHS card (separate for each beneficiary) is received, the temporary receipt has to be given back to ECHS Branch and smart cards needs to be activated at the parent polyclinic.  The Smart Card will always have to be carried when treatment is to be taken under ECHS.


10. Loss of Smart Card.    Individual has to submit an application giving details of lost card to ECHS Branch along with affidavit duly notarized giving full details of the card and copy of FIR from the nearest police station. Simultaneously, fresh application will be filled up along with all the documents required.


11. The rates of ECHS contribution are as follows :-

(a) For those retired pre 01 Jan 1996    -    No Contribution.


(b) For those who retired between 01 Jan 1996 and 01 Jun 2009:-


Uncommuted Basic Pension / Revised Pension (in INRs)


 (in INR)

(in NPR)

` 3,000/-

` 1,800.00

Rs 2,882.70

` 3,001/- to ` 6,000/-

` 4,800.00

Rs 7,687.20

` 6,001/- to ` 10,000/-

` 8,400.00

Rs 13,452.60

` 10,001/- to ` 15,000/-

` 12,000.00

Rs 19,218.00

` 15,001/- and above

` 18,000.00

Rs 28,827.00


(c)  For Post 01 Jun 2009 retirees :-

Grade pay drawn at the time of retirement  (Grade Pay)


(in INR)

(in NPR)

` 1800/- pm, ` 1,900/- pm, ` 2,000/- pm,           ` 2,400/- pm, ` 2,800/- pm and rects drawing family pension / medical pension

` 15,000.00

Rs   24,022.50 

` 3,400/- pm and ` 4,200/- pm

`  27,000.00

Rs   43,240.50

` 4,600/- pm, ` 4,800/- pm,     ` 5,400/- pm and ` 6,100/- pm and ` 6,600/- pm

`  39,000.00

Rs   62,458.50

` 7,600/- pm & above and Offrs under HAG scale

` 60,000.00

Rs  96,090.00


12. Once an ESM joins the scheme, the Fixed Medical Allowance will be ceased.


13. Treatment Procedure.


(a) Through Polyclinic.

(i)    Report to your Polyclinic (Kathmandu, Pokhara or Dharan) for medical treatment.

(ii)    Polyclinic will have Medical Officer, Medical Specialist, Dental Officer, Laboratory and dispensary for medicines.


(b) At Empanelled Hospitals.

(i)    Report to your Polyclinic.

(ii)    If any treatment is not available at Polyclinic, patients will be referred to ECHS Empanelled hospitals of his choice within Nepal.

(iii)    No treatment charges will be paid by the patients to the empanelled                                     hospitals.


(c)  Emergency.  In case of emergency, patient can be taken to any hospital without taking referral from Polyclinic. Following system will be followed  :-

(i)   In Case of Empanelled Hospital.

(aa)    Show ECHS Smart Card to Empanelled Hospitals at the time of admission.

(ab)    Empanelled Hospitals will inform ECHS Polyclinic within 48 hours (NOK to also inform nearest Polyclinic).

(ac)    No treatment charges to be paid to Empanelled Hospitals.


(ii)  In Case of Non-Empanelled Hospitals.

(aa)    Inform the nearest Polyclinic within 48 hours of admission.
            (ab)    Treatment charges to be paid by the patient.
(ac)    Claim reimbursement from ECHS as per the prescribed rates.


(d) Treatment in India. In case of a disease for which treatment is not available in Nepal, patient will be referred to India for free treatment. In case of emergency in India, if treatment is taken in non empanelled hospital, you will inform nearest ECHS Polyclinic / parent polyclinic / ECHS Branch. Nearest Polyclinic will issue a Emergency Information Report (EIR) without which no reimbursement will be made by ECHS Branch.


14. The ECHS Branch which is headed by AMA (ECHS) under the Defence Wing Embassy of India, Kathmandu is responsible to oversee all ECHS related activities in Nepal.   The role of ECHS Branch encompasses the following:-

(a) Fund Management.      
(b) Processing of ECHS applications.
(c)  Empanelment of hospitals.
(d) Hiring of staff.
(e) Release of payment for hospital bills.
(f)  Modification and Renovations of existing MI Rooms.
(g) Nodal agency for all ECHS related activities.


15. Contact Details.  Any information on ECHS can be obtained from ECHS Branch, Kathmandu.  The details are as under :-

ECHS Branch
Embassy of India
Kathmandu (Nepal)

Tele No - +977-1-4430520
Email - amaechs.kathmandu@mea.gov.in



Download ECHS application form for membership