Overview of Haryana Employees Cashless Health Scheme (HECHS)

The Haryana Government introduced the ‘Haryana Employees Cashless Health Scheme’ in 2017 for State Government employees and retired pensioners. Under this new government health plan, all the beneficiaries are eligible to receive cashless medical services up to a maximum sum insured of ₹5 Lakhs. However, the Haryana Employees Cashless Health Scheme only offers financial coverage for a pre-determined set of six diseases. Let’s take a closer look at the features, benefits, and inclusions under this policy.

Features of Benefits of Haryana Employees Cashless Health Scheme

The following are the main features and benefits offered by the Haryana Employees Cashless Health Scheme to the beneficiaries:

 

  • This scheme is only for the Haryana State Government employees and pensioners.

  • The spouse or dependents of the policyholder will not get the cashless benefit under this health scheme.

  • However, the spouse or dependents of the policyholder may get the reimbursement benefit under the health scheme.

  • The maximum sum insured under the Haryana Employees Cashless Health Scheme is ₹5 Lakhs.

  • If the treatment costs exceed ₹5 Lakhs, the extra amount would have to be covered by the policyholder.

  • The Haryana Government will issue special ID cards for policyholders which will be linked to their Aadhaar Cards to avail this scheme.

  • The Haryana Government pensioners will have to carry their ‘Pension Payment Order’ (PPO) cards as proof of identity to avail this scheme.

List of Diseases Covered

As mentioned above, the cashless scheme for Haryana government employees will only cover six diseases/medical conditions, which have been listed below for your reference:

 

  • Brain haemorrhage

  • Cardiac emergencies

  • Coma

  • Accidents

  • Cancer (3rd and 4th stage)

  • Electrocution

COVID-19 Cashless Treatment Scheme for government Employees / Pensioners

Recently, the Haryana Government has also added COVID-19 as inclusion under the Haryana Employees Pension Scheme. This step was taken by the authorities to ensure that State Government employees, pensioners and their families would be financially covered against this deadly pandemic which has spread throughout the country endangering the lives of thousands.

How to Apply for the HECHS

The Haryana State Government employees do not have to manually apply for this health scheme. The State Government will issue special ID cards for the employees which are linked with their Aadhaar cards which can be used to avail this health scheme. The employees and pensioners would also be registered as beneficiaries on the BIS portal of AB-PMJAY. As for pensioners, their PPO cards would serve as valid proof of identity to avail this health scheme directly.

List of Hospitals Under HECHS

Under the cashless medical scheme for Haryana government employees, the beneficiaries can avail cashless treatment at all the government hospitals and government medical colleges in Haryana. Moreover, all the beneficiaries will also be able to seek treatment under all the private hospitals which are empanelled under the Haryana Government. In order to see the full list of hospitals where you can great treatment under this scheme, check out the full list of empanelled hospitals under the Haryana Government here:

 

http://cashless.haryanahealth.gov.in/EmpanelUser/EmpanellistC/

How to Claim Cashless Treatment Under Haryana Employees Cashless Health Scheme

Here are the steps you can follow to claim cashless treatment under this scheme:

 

Step 1: In case you require medical assistance, visit a network hospital affiliated with this scheme.

 

Step 2: Present your government-provided ID card/PPO card at the hospital.

 

Step 3: The hospital will verify your insurance details, and the treatment will begin.

 

Step 4: After the treatment, your bills will be directly settled under the cashless scheme for Haryana government employees.

Documents Required For Claim Process

In case of a cashless claim, you will only need to provide your government-provided ID card/PPO card at the network hospital. In case of a reimbursement claim, however, you will need to keep the following documents ready:

 

  • Bill and receipts from the hospital

  • ID Card/PPO Card

  • Insurance policy papers

  • Aadhaar Card/Driving Licence

  • Proof of Residence

  • Accurately filled out Claim Application Form

Conclusion

If you are a Haryana Government employee or pensioner then you should definitely take advantage of this state health scheme offered by the government. However, in case of a serious medical emergency, the maximum sum insured under this scheme, i.e. ₹5 Lakhs may be insufficient for your medical needs, especially if you seek treatment at a private hospital. It is recommended that you get a private health insurance plan as a backup in case serious medical emergencies arise that need extensive financial coverage. If you are looking for a health policy for yourself and your family, you can check out the health insurance plans available at Bajaj MARKETS.

 

READ MORE: Other Government Health Insurance Schemes in India

Best Health Insurance Plans Available at Bajaj MARKETS

FAQs on Haryana Employees Cashless Health Scheme

  • ✔️Which are the diseases covered under the HECHS?

    The following diseases are covered under the HECHS:

     

    • Brain haemorrhage

    • Cardiac emergencies

    • Coma

    • Accidents

    • Cancer (3rd and 4th stage)

    • Electrocution

    • COVID-19

  • ✔️Should I get a private health insurance plan if I am covered under the cashless scheme for Haryana government employees?

    The maximum sum insured on the HECHS is only ₹5 Lakhs. You should look for a private health plan that offers a more extensive sum insured and a higher list of inclusions. 

  • ✔️Can I avail this scheme if I am not a Haryana Government employee?

    No, this scheme is only applicable for Haryana Government employees and pensioners. 

  • ✔️Which hospitals are covered under this scheme?

    All state government hospitals and medical colleges, as well as all private hospitals empanelled under the Haryana Government, are covered under this scheme.

  • ✔️Can I get reimbursement claims under this scheme?

    Yes, if there are issues in getting cashless treatment, you can apply for a reimbursement claim under this scheme.