1. Attached please find the “Instructions for online application for ECHS Smart Cards” issued by ECHS. Please await the formal announcement of launching the same till the month of Dec 17. You are requested to go through this document to understand what all needs to be done to get the new Smart Card.

2. Salient Features of New Smart Card . The salient features of new ECHS Smart Card are appended below:-

(a) The physical submission of application for ECHS Smart Card has been done away with.

(b) ECHS beneficiaries can now apply online for Smart Card without visiting Regional Centres.

(c) The payment for Smart Card will also be done through online mode with options using Net Banking, Debit / Credit Card, Wallet Payments.

(d) The information regarding movement of online application till receipt of Smart Card from Station Headquarters will be intimated to beneficiaries through SMS updates.

(e) The new Smart Card is of the capacity of 64 Kb which can store vital information of the beneficiaries including their Medical History, Referral History, Medicine Issue Logs etc.

(f) In the new system, Kiosks are being deployed at ECHS Polyclinics which offers Biometric/Aadhaar/mobile based Authentication of beneficiaries, Selection of option for desired services through touch screen, Printing of Medical Slip/authentication slip and also helps in Queue Management.

(g) In the new system, Identification cum Authentication Terminals (ICAT) are being deployed at HCOs which also offers Biometric/Aadhaar/mobile based Authentication of beneficiaries.

3. Priority for issue of new ECHS Smart Cards . The following order of priority will be followed for issue of new ECHS Smart Cards.

(a) Future Retiree.

(b) Temporary Slip Holders.

(c) 16 Kb Card Holders.

(d) 32 Kb Card Holders.

(e) Any Other Category.

4. Mentioning of Aadhaar Card number , PAN number , mobile number and e-mail address is mandatory. Mention mobile number accessible to you to receive SMS updates regarding Smart Card . This mobile number will also be utilised for generating SMS alerts for updating on the claim status. This mobile number should be used for all ECHS related transactions.

5. 16KB Cards will stop working in the new system with effect from 01 Sep 2018. Applying for new 64 KB cards for 32 KB Cards holders is optional till the year 2020. However, they can also apply to get the benefits of new Smart Card. (Note:- For ease of understanding, the 16 KB Card or Old Card has all the dependents photos on the reverse of the primary member’s Card. The 32 KB card or the Upgraded card has only the beneficiary’s photo for each member and no additional photos on the reverse of the primary card)

5. Please inform all Veterans of the importance of having an e-mail address and mobile phone. Most information concerning the veterans are being disseminated through e-mails. All Air Veterans who are not members of the AFA, need to be told of this development. They may be persuaded to join the AFA so that they do not miss out on important communications affecting them.

Please visit given link for more details on instruction:

Instructions for Online application for ECHS Smart Card 2

Revision of PPOs of pre-2006 family pensioners

Revision of PPOs of pre-2006 family pensioners.

Central Government Pension and Family Pension-Uncommon Areas

These are certain uncommon areas in Central Government Pension and Family Pension Matters.

Child adopted even after retirement is entitled to get family pension

Q A retired employee due to demise of his wife and son legally adopted one of his grand sons after his retirement. He submitted the adoption deed to the Pension Sanctioning Authority with the request to add the name of his legally adopted son in the list of his family members so that he could receive family pension in case of his death. Whether the same is permissible as per law.

Also kindly clarify as to whether the children of post-retiral spouse born to the retired employee are eligible for family pension.

A The stipulation that adoption should be “before retirement” has been deleted vride Notification No.1(66) P & PW/89-E, dated 18-1-1993. Hence as per Rule 54 (14)(b)(ii) of CCS (Pension) Rules, 1972, son/daughter legally adopted after retirement and children of post-retiral spouse are eligible for the grant of family pension vide Rule 54 (14) of CCS(Pension) Rules and GIDs (18) to (20) thereunder in Swamy’s Pension Compilation.

No family pension to the parents, if the deceased employee had left behind a widow or a child.

Q Consequent of demise of one employee family pension to his widow was sanctioned. Later on, the widow of the deceased has got re-married with other person. As the widow of the deceased has no children, family pension was stopped from the date of re-marriage. Whether the mother/father of the deceased is entitled to family pension.

A As per Para 7.2 of the OM, dated 27-10-1997, parents are eligible for Family Pension only if the deceased employee had left behind neither a widow nor a child. Hence, in the case referred to by you, the parents are not entitled to Family Pension.

Pension cannot be stopped, even though pensioner acquires foreign citizenship

Q A retired Central Govt. Employee who is in receipt of pension emigrated to Canada with Non-Resident Indian status. He was getting his pension continuously when he was a NRI. But now he opts to take the citizenship of that country and as such it may be clarified whether he may continue to get his monthly pension as usual or will it be stopped after his acquiring citizenship of a foreign country.

A There is no provision in the Rules, viz., CCS(Pension) Rules, Central Treasury Rules for the stoppage of pension drawn by a Govt. pensioner on his acquiring the citizenship of a foreign country. As such the retireed employee will continue to get his monthly pension as usual even after his getting foreign citizenship.

Fresh application not required for payment of arrears of commutation due to revision of pension.

Q An employee after his reirement got all the retirement benefits including 1/3rd commuted value of pension. Subsequently he expired. After his demise pay commission recommendation was implemented and his pay was retrospectively revised. His wife who is a family pensioner received the arrears of pay, pension, gratuity, etc. But the arrears of the additional commuted value of pension which has become due based on the quantum of 1/3rd revised pension was not paid to her on the grounds that the concerned employee need to apply afresh for such payment. Since the employee had applied for 1/3rd commutation of pension while he was alive whether his origianl application would cover any revision which may become due subsequent to his death

A As per Rule 10 of CCS(Commutation of Pension) Rules, 1981, the said family pensioner is entitled to the difference between the commutation amount received by her husband for the original pension and the commutation amount admissible on the revised increased pension. For this purpose, no fresh application is necessary.


Taxability on Commuted Pension

One of GConnect Readers wanted to know about the taxability in respect of Commuted Portion of Pension and Dearness Relief paid on the Commuted Portion of Pension.

Income Tax Act 196 provides the taxability of pension depending on whether the pension received is periodical or lump sum.

Commutation of Pension means payment of lump sum amount in lieu of a portion of pension surrendered voluntarily by the pensioner based on duration of period in relation to the age. This is purely an optional facility provided by the employer to his employee. As per the Act following rules are applicable for the taxability of commuted pension:

Any commuted pension (i.e Lumpsum Pension) received by an employee of the Central Government, State Government, Local Authority or Statutory corporation is wholly exempt from tax.

Un-commuted Pension (Periodical Payment) is fully taxable as salary under section 15 of the Act. This provision is applicable for both Government and other salaried class. Apparently, the dearness relief payable on Commuted portion, which is received by the pensioner on monthly basis along with un-commuted pension is also taxable.

Payment in commutation of pension received by any other employee:

(a) in a case where the employee receives any gratuity, the commuted value of one-third of the pension which he is normally entitled to receive is exempt from tax.

(b) in any other case, the commuted value of one-half of such pension is exempt from tax.

Issue of Medicines to ECHS Beneficiaries

1. Representations have been received from ECHS members that tablets of drugs issued to them are often of strengths either larger or lesser than that prescribed. Hence getting the correct dose has to be done after breaking the tablet, on many occasions, into pieces or by taking multiple tablets.

2. It may be appreciated that ensuring correct dosages after fragmenting the tablet, specially by ECHS members who are old and frail, becomes a difficult task. On some occasions, it has resulted in either over dosage or less than the prescribed strength which could have been avoided.

3. In view of the above, you are requested to issue necessary instructions to all concerned so that drugs which are usually prescribed in different strengths, specially for chronic diseases, be provisioned to ECHS beneficiaries in the commonly prescribed strengths.

(G Ghose)
Dir (Med)
For MD

Authority: Central Org ECHS, Army HQ letter No: B/49762/AG/ECHS/Policy dt 20 Feb 2007

Consultation rates at ECHS empannelled hospitals

The rates seemed to have been formalised in a hurry and without applying proper logic. The history of ECHS rates goes as below.

1. In 2002 first set of rates were introduced and implemented.
2.In 2008 new set of rates were introduced and implemented. These rates were lower than that of 2002 and many hospitals refused to get empannelled. The concerned authorities have rescended the above rates and reverted to 2002 rates.
3.In 2011 yet another set of new rates have been introduced and implemented. These rates are much lower than2008 rates.

A smple of rates as per 2011 order:

1. Consultation fee for a doctor in hospital – Non NBAH accredited : Rs.50 against 2002 rate of Rs.75
2.Consultation fee for a doctor in hospital – NBAH accredited : Rs.58
3.Consultation fee for a doctor in hospital – Multi Speciality Hospital : Rs.294
Multi Speciality hospital is defined as hospital with 300 beds and atleast 5 specialities are treated. By this logic super speciality hospitals like Sankara Netralaya, Narayana Hridayala will get Rs.58 as consultation.

What is in it for us:
1. Due to the haphazard definition, many of the super speciality hospitals will be out of reach for all of us, through referrals of ECHS.
2.Treatments under ECHS will become more of a eye wash, as many of the veterans will be referred to only those hospitals, who agree to the lower rates.
3. The purpose of ECHS was to provide quality Healthcare to veterans, where such facilities are not available in Military Hospitals. It would remain a dream and only on paper.

I request all the veterans to ponder over and suggest ways to stop this and reverse the degeneration of ECHS facilities, even if they can not be improved.

I am of the openion that we( Not just IAFveterans but all veterans in any group) should get together and plan for action.
Some of the actions coming to my mind are:
1. Petetion to the appropriate authorities for review of the same
2.Approaching courts for the stay of the impugned order and revision

Please contact below mentioned person for further details:

Rtn S.Varadarajan
Rotary Club of Madras T.Nagar
Dist 3230

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