RMDF-Financial assistance for medical treatment of ESM


All the pensioners of Armed Forces have been provided medical cover compulsorily under ECHS wef 01 Apr 2008. However, non-pensioner ESM who were sent out of services early in their life due to organizational constraints or discharged at their own request have no such medical cover. 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,was started in year 1981 with an amount depending upon nature and gravity of ailment. This was last revised in May 2007 with onetime grant of Rs 30,000/-.


The aim of this aid gratis is to provide financial assistance to non-pensioner ESM or their widow to meet routine medical expenses during the year.

Financial Assistance

For the medical treatment out of AFFDF is provided up to a maximum of Rs.30,000/- per year per eligible ESM/widow, in a financial year. The expenditure incurred on treatment of various serious ailments is covered under a separate scheme.

Eligibility Conditions

The following criteria must be fulfilled:-

  • (a) Applicant must be a non-pensioner ESM or his widow.
  • (b) Should be of rank Havildar/equivalent and below.
  • (c) Should be recommended by respective Zila Sainik Board (ZSB).
  • (d) Expenditure must be incurred at recognized government hospitals at rates approved under CGHS/ ECHS.