Before you open the portal
Keep the 64 KB ECHS card, registered mobile, bank details and scanned supporting documents ready. The official online-claim SOP says documents should be scanned in PDF format and kept below the stated 2 MB file-size limit.
Login and start a claim
- Open the official ECHS website and use Beneficiary Claim Submission.
- Enter the ECHS card number and the mobile registered with the 64 KB card.
- Enter the OTP.
- Choose Member Claim → New Claim.
- Select the correct reimbursement type.
Fill and save the claim
The patient details are pre-filled in the official workflow. Complete the applicable OPD, IPD or Pharmacy section, including bill details. Select Save and Continue. The system creates an Interim Claim ID. If you stop, resume later from Member Claims → Pending Claims rather than creating unnecessary duplicate claims.
Upload documents and bank details
Open the Upload Document tab and attach every required supporting document. Then check the ESM Bank Details. The SOP says bank details are entered for the first claim and may be pre-filled on later claims; use the change option only when a correction is actually needed.
Final submission and originals
- Review all entered information and uploaded files.
- Open Final Submit.
- Download the continuing bill in the pre-filled format where generated and print it.
- Read the disclaimer, tick the required checkbox and select Final Submit.
- Note the final Claim ID.
- Submit the hard copy of original bills to the polyclinic as required by the official procedure.
Do not throw away originals or acknowledgement.
Common submission mistakes
- Choosing the wrong OPD/IPD/pharmacy claim type.
- Creating a second claim instead of resuming an Interim Claim ID.
- Unreadable scans or missing pages.
- Mismatch between bill totals and entered amounts.
- Wrong bank details.
- Final Submit not completed.
- Failing to provide originals to the polyclinic when required.
Frequently asked questions
Can I stop midway and continue later?
Yes. The official SOP says a saved claim can be resumed from Pending Claims using the Claim ID.
Do I need the registered mobile?
Yes. The official online process uses the mobile registered with the 64 KB card for OTP login.
Should I keep the Claim ID?
Yes. Keep both the Interim Claim ID during preparation and the final Claim ID after submission.