Haryana Employees Cashless Health Scheme (HECHS)

The Haryana Employees Cashless Health Scheme is a cashless policy run by the health department of Haryana, designed exclusively for government employees and registered pensioners in the state. Eligible beneficiaries can receive cashless health card medical services up to a sum insured of ₹5 Lakhs. Introduced in 2017, the HECHS covers six critical conditions: coma, cardiac emergencies, 3rd or 4th stage cancers, brain hemorrhage, electrocution, and accidents.

The key features and benefits offered by the HECHS include:

• The scheme is exclusively available for Haryana State Government employees and pensioners.
  

• The spouse or dependents of the policyholder are not eligible for the cashless benefit under this scheme but may claim reimbursement benefits.
  

• The maximum sum insured under the scheme is ₹5 Lakhs.
  

• Treatment costs exceeding ₹5 Lakhs must be borne by the policyholder.
  

• The Haryana Government issues special Deen Dayal Health Cards (also referred to as cashless card Haryana) to policyholders, linked with their Aadhaar cards to enjoy the services.
  

• Pensioners must carry their Pension Payment Order (PPO) cards as proof of identity to access this scheme.
  

The cashless health card offered under HECHS covers treatment for the following medical conditions:

• Brain haemorrhage

• Cardiac emergencies
  

• Coma
  

• Accidents
  

• Cancer (3rd and 4th stages)
  

• Electrocution
  

• COVID-19 (recently included under the scheme)
  

The Haryana Government has included COVID-19 treatment coverage under HECHS to provide financial security against the pandemic for government employees, pensioners, and their families.

There is no manual application process. Haryana’s health department automatically registers eligible employees as beneficiaries. The government issues special Deen Dayal Health Cards linked to Aadhaar cards. Pensioners use their PPO cards as valid identity proofs.

Under the scheme, beneficiaries can get treatment at all government hospitals and government medical colleges in Haryana. Additionally, empanelled private hospitals under the Haryana Government also provide cashless treatment. To view the full list of empanelled hospitals, visit http://cashless.haryanahealth.gov.in/EmpanelUser/EmpanellistC/.

Follow these steps to claim cashless treatment:

• Step 1: Visit a network hospital empanelled under this scheme when medical assistance is required.
  

• Step 2: Present your Deen Dayal Health Card or PPO card at the hospital.
  

• Step 3: The hospital verifies your insurance and the process starts.
  

• Step 4: The hospital directly settles your bills under the cashless health card scheme.
  

For a cashless claim, only the Deen Dayal Health Card or PPO card is needed at the hospital. For reimbursement claims, keep the following documents ready:

• Hospital bills and receipts
  

• ID Card/PPO Card
  

• Insurance policy papers
  

• Aadhaar Card or Driving Licence
  

• Proof of Residence
  

• Filled Claim Application Form accurately completed
  

If you are a Haryana Government employee or pensioner, you should definitely utilise this scheme for financial support in medical emergencies. However, the insurer covers only ₹5 Lakhs, which might be insufficient for some private hospital treatments or critical illnesses. It is advisable to have a private health insurance plan as backup coverage. You may explore suitable health insurance plans available at Bajaj Markets..