ECHS Card For Private Hospital, Can You Use It?

Estimated read time 2 min read

The ECHS card, a vital element of the Ex-Servicemen Contributory Health Scheme, offers a range of medical benefits and can be used at private hospitals that are empanelled with the ECHS. When an ECHS cardholder needs medical attention, they can utilize their ECHS card to access services at these empanelled private hospitals. The process of using the ECHS card at a private hospital begins with obtaining a referral from an ECHS Polyclinic.

ECHS Card can be used in emergency cases at private hospitals

In emergency situations, ECHS cardholders have the flexibility to visit the nearest hospital, ideally an ECHS empaneled private hospital. The ECHS card ensures direct bill settlement with empaneled private hospitals. However, if an emergency leads an ECHS cardholder to a non-empaneled private hospital, they must initially bear the costs and subsequently claim reimbursement from the ECHS Polyclinic, subject to ECHS guidelines.

It’s essential for ECHS cardholders to carry their ECHS Smart Card during all visits to a Polyclinic or empanelled private hospital. For treatments that require specialized care at an empanelled private hospital, a referral from an ECHS Polyclinic is mandatory. ECHS cardholders cannot directly approach a private hospital without this referral.

In conclusion, the ECHS card is an important tool for ex-servicemen and their families, allowing them access to a wide network of medical services, including at empaneled private hospitals, under the ECHS framework. The scheme ensures that the veterans and their dependents receive the necessary medical care with ease and convenience, especially in times of emergencies.


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