AFVOA Newletters of Year 2003

Page 126 of 170 (a) Member: Rs 2.10 lakhs (b) Spouse Rs 2.10 Lakhs. No further reimbursements allowed. Amount non transferable. in accordance with ECHS rules. 4. Wait- in period No reimbursement during FIRST YEAR after joining Scheme. No wait- in period. 5. Mode of Payment. Member has to pay to civil hospital and claim reimbursement UNLESS post payment agreed by treating hospital. Payment by ECHS. Member need not pay except in case of emergency treatment in non- empanelled hospital. 6. Diseases covered. Only certain specified diseases of Heart, Kidney, Cancers, Vascular System & Limbs covered. All diseases covered (subject to ECHS rules). 7. Approved Civil Hospitals Covers 43 stations in the country. Will cover 227 Stations throughout the country. 8. Emergency Re-imbursement allowed only for treatment in AGIF approved Hospitals. Reimbursements allowed for treatment in ANY (nearest) hospital. 9. Diagnostic Tests. No reimbursement allowed Free for members. Payment by ECHS, if referred from Polyclinic/empanelled hospital. 10. Payment Procedure Member required to negotiate with hospital on approved list. Obtain certificate of undertaking from AGIF. Member to process bills of hospital with AGIF. Member to pay advance to hospital if demanded. No payments to be made by member - hence no burden on ESM pensioner. No advance to be paid. All payments directly by ECHS to empanelled facilities. Question No 63. The term “ex-servicemen” is derogatory in nature – use “Retired Def Personnel” instead. Answer. Terminology “Ex-Servicemen” . While both terms, ie, “ESM” or “Retired Defence Personnel” are acceptable; the former term is more generically used and has come to stay. The word “ex” merely implies that the individual was once a serviceman, but is not a serviceman now. It does not, by any stretch of imagination, imply “non-existence” or any other degrading/derogatory meaning. It may be appreciated that while everyone who leaves the service can be an “ex-serviceman”, NOT all can be called “retired defence personnel”. ECOs, Short Service Commission Officers, NCC officers, personnel proceeding on pre-