RMEWF-Financial Assistance For Medical Treatment Of Ex-Servicemen
Medical treatment reimbursement for ex-servicemen · emergency and chronic illness · RMEWF fund
Non-pensioner ex-servicemen and their widows of rank Havildar or below can receive up to ₹30,000 per year to cover routine medical expenses at government hospitals. This scheme helps veterans with no other income source manage rising healthcare costs in old age. Apply online at ksb.gov.in through the Kendriya Sainik Board portal.
About This Scheme
Non-pensioner ex-servicemen and their widows of rank Havildar or below can receive up to ₹30,000 per year to cover routine medical expenses at government hospitals. This scheme helps veterans with no other income source manage rising healthcare costs in old age. Apply online at ksb.gov.in through the Kendriya Sainik Board portal.
Full official description
A scheme to provide financial assistance to a non-pensioner Ex-Servicemen/widows of ranks up to Havildar/equivalent to meet routine medical expenses.
With ever increasing costs of health care, it becomes extremely difficult for non-pensioner ESM to combat diseases especially in old age. At such age, medical expenses push such ESM into a state of poverty and loss of dignity. The scheme to provide financial assistance to non-pensioners, who are without any other sources of income and in state of penury,
Treatment of Serious Diseases The expenditure incurred on treatment of various serious ailments is covered under a separate scheme
Benefits
- Up to ₹30,000 per year per eligible ex-serviceman or widow for routine medical expenses
- Covers treatment costs at government hospitals only
- Payment made directly to beneficiary bank account via Electronic Clearing System (ECS)
💡 Why Startups Should Care
Healthtech founders: ECHS (the primary ESM health scheme) has significant coverage gaps for specialist treatments and chronic illnesses — the RMEWF fills some of these gaps through a manual reimbursement process. A digital pre-authorisation or claims management tool for ECHS could save ESM families thousands of rupees and weeks of paperwork.
Who Can Apply (Eligibility)
- Must be a non-pensioner ex-serviceman or widow of an ex-serviceman
- Rank must be Havildar/equivalent or below
- Must have no other source of income (in a state of penury)
- Must be recommended by your Zila Sainik Board (ZSB)
- Treatment must be at a recognised government hospital under CGHS/ECHS-approved rates
Exclusions
- Not available for treatments already covered by ECHS or other government medical schemes
- Not available to ESM families who do not demonstrate financial hardship
How to Apply
- Contact your Zila Sainik Board (ZSB) as soon as medical treatment expenses arise.
- Submit a request with medical diagnosis, treatment bills, and proof of inability to cover costs.
- The ZSB verifies the case and the ex-serviceman's service records.
- Approved cases receive financial assistance for eligible treatment expenses.
Frequently Asked Questions
Can I Take The Benefit Of This Scheme For Treatment In Any Private Or Government Hospital?
No. the financial assistance will be provided for expenditure incurred at recognized government hospitals at rates approved under CGHS/ ECHS.
Can I Give Bank Details Of Any Bank?
No. Account details of only State Bank of India (SBI) or Punjab National Bank (PNB) is valid for application.
Whose Account Details Can Be Filled In The Registration Form?
The applicant has to fill his/her Aadhaar linked bank account number.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Aadhaar card
- Ex-serviceman's PPO or discharge certificate
- Medical diagnosis certificate from a registered doctor or hospital
- Original medical bills and receipts
- Bank account details
- Income certificate or declaration of financial distress