AFFDF - SERIOUS DISEASE TREATMENT

AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows

6.0/10

A scheme to provide financial assistance to a non-pensioner Ex-Servicemen of all ranks and widows to meet medical expenses related to treatment of approved serious diseases like cancer, renal failure, knee replacement and heart surgery.

Central Cash

States / UT: All India

Ministry / nodal: Ministry Of Defence

Scheme for: Individual

Scheme profile

DBT (direct benefit transfer): Yes

Scheme open date: 2008-01-01

Categories: Health & Wellness

Sub-categories: Financial assistance, Disease and conditions

Target beneficiaries: Individual

Tags: Ex-Servicemen, Widow Of Ex-Servicemen, Serious Disease Treatment

Details

A scheme to provide financial assistance to a non-pensioner Ex-Servicemen of all ranks and widows to meet medical expenses related to treatment of approved serious diseases like cancer, renal failure, knee replacement and heart surgery.

Expenditure must be incurred at a approved govt hospital at the rates applicable under CGHS / ECHS.

List of the serious diseases are covered under this scheme


  • Angiography & Angioplasty
  • CABG. (l) Dialysis
  • Open heart surgery
  • Valve replacement
  • Pacemaker Implant
  • Cerebral stroke
  • Prostrate surgery
  • Joint replacement
  • Renal failure
  • Cancer

Treatment of other Diseases

In case the treatment of a serious disease which is not listed , such application will be referred to Director General Armed Forces Medical Services (DGAFMS) for comment/recommendation to consider it for financial assistance for treatment of that disease, to ESM under this scheme.



Benefits

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  • { "children": [ { "text": "For Non-Pensioner Officers/Widows. 75% of total expenditure incurred on medical treatment hospitalization medicines etc." } ] }
  • { "children": [ { "text": "For Non-Pensioner other Ranks/Widows. 90% of total expenditure incurred per annum on medical treatment hospitalization medicine etc." } ] } ]
  • { "children": [ { "text": "" } ] }
  • { "type": "heading four"
  • "children": [ { "text": "Note " } ] }

Financial assistance for treatment of the approved serious diseases to non-pensioner Ex-Servicemen of all ranks and widows subject to a maximum of Rs 1,25,000/- (One Time) and for treatment of cancer/dialysis subject to a maximum of Rs 75,000/- per annum as follows:-

For Non-Pensioner Officers/Widows. 75% of total expenditure incurred on medical treatment, hospitalization, medicines etc.

For Non-Pensioner other Ranks/Widows. 90% of total expenditure incurred per annum on medical treatment, hospitalization, medicine etc.

Note

Expenditure must be incurred at a approved govt hospital at the rates applicable under CGHS / ECHS.

Eligibility

The following criteria must be fulfilled:-

  • Applicant must be a non-pensioner ESM or his widow.
  • Should not be member of ECHS or availing AFMS facilities.
  • Should be recommended by respective Zila Sainik Board (ZSB).
  • Expenditure must be incurred at a approved govt hospital at the rates applicable under CGHS / ECHS.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

6.0
/ 10
Public Benefit Score
Accessibility 6.0/10 Moderate
Rural usefulness 4.0/10 Moderate
Application complexity 5.0/10 Moderate
Financial impact 6.0/10 Moderate
Literacy barrier 6.0/10 Moderate
Women inclusivity 7.0/10 Good
Awareness 7.0/10 Good
Implementation reliability 8.0/10 Good
Bigger shape means a better fit for citizens
  • Accessibility6.0
  • Financial impact6.0
  • Rural utility4.0
  • Awareness7.0
  • Simplicity5.0
  • Inclusivity7.0

What problem does this scheme solve?

The scheme provides essential financial assistance for serious medical treatments to non-pensioner ex-servicemen and their widows, addressing a critical need in healthcare.

Key challenges addressed

  • Financial burden of serious disease treatments
  • Access to healthcare for ex-servicemen and their widows

Most beneficial for

  • Non-pensioner ex-servicemen
  • Widows of ex-servicemen

Likely challenges

  • Complex application process
  • Limited awareness among potential beneficiaries

Practical insights for citizens

The scheme is practical but faces challenges in rural areas due to digital and awareness barriers.

Rural challenges

  • Limited internet access
  • Lack of awareness about the scheme

Digital challenges

  • Dependence on online application
  • Need for digital literacy

Implementation bottlenecks

  • Verification delays
  • Dependence on local Zila Sainik Boards

Awareness challenges

  • Low awareness among target beneficiaries
  • Limited outreach programs

Application analysis

Application mode
Online portal
Documents burden
Moderate, requires attestation
Verification complexity
High, involves multiple steps
Office dependency
Moderate, requires Zila Sainik Welfare Officer involvement
DBT dependency
Yes, payment via ECS
CSC support
Limited
Estimated citizen effort
High, due to multiple steps and document requirements

Estimated beneficiary reach

  • Rural / urban reach Moderate
  • Gender reach Male and Female
  • Target income group Low to middle income
  • Occupation reach Ex-servicemen and their families

Benefit analysis

Benefit type
Cash
Benefit frequency
As needed for treatment
Benefit practicality
Practical for serious diseases but limited by hospital choices
Financial meaningfulness
Moderate, as it helps but may not cover all expenses
Long-term impact
Positive, as it supports health outcomes for ex-servicemen and their families

Plain-language guidance

This scheme helps non-pensioner ex-servicemen and their widows get financial support for serious medical treatments. Applications are submitted online through the Kendriya Sainik Board.

Who should apply
Non-pensioner ex-servicemen and their widows needing medical assistance.
Who may struggle
Individuals with limited digital skills or access to the internet.
Best application route
Apply via the official Kendriya Sainik Board website.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Online

Eligible Ex-servicemen / their widows can visit the official website of Kendriya Sainik Board Secretariat (KSBS) https://ksb.gov.in/

Click on “Register” which is available on the homepage of the portal.

Now, the registration form will be displayed, fill the form with necessary details.

Upload the Photo

Save the application by clicking on the “Save” button and the saved details and password will be forwarded to the registered mail id.

Click the activation link which is sent to the mail id to login into the KSB portal.

Provide user name, password and verification code and click on the “Login “ button.

Select the scheme name and start filling the new application form by entering the required details.

Copies of the supporting documents duly attested by the respective Zila Sainik Welfare Officer (ZSWO) must be uploaded with the online application.

Once the online application is submitted, ZSWO will scrutinize the online applications and give appointment to the applicant for verification,

After successful verification, ZWSO will recommend the online application and forward the harp copy as well soft copy to Kendriya Sainik Board (KSB) through Rajya Sainik Boards (RSBs) for further processing.

Processing at KSB Secretariat

Once the application reaches the Kendriya Sainik Board, the Section-in-charge verify the same and upload the printed list for the approval of JD (Welfare).

Payment Procedure

After approval of Secretary KSB, the application is processed for payment by Welfare Section.

The welfare section verifies the Ex-servicemen's service number, name, banker's IFS Code and bank account number & forward the list of approved cases to Accounts Section for payment.

The Accounts Section then processes the list for payment directly to beneficiaries via ECS to the beneficiaries as applicable.

Track Application Status

Applicant has to revisit the same portal https://ksb.gov.in/index.htm

Click on “Status of application” link on the homepage of the portal.

Now enter your DAK ID and verification code. Click on the “Search” button.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

Can I Take The Benefit Of This Scheme For Treatment In Any Private Or Government Hospital?

No. the financial assistance will be provided for expenditure incurred at a approved govt hospital at the rates applicable under CGHS / ECHS.

Can I Give Bank Details Of Any Bank?

No. Account details of only State Bank of India (SBI) or Punjab National Bank (PNB) is valid for application.

References

Scheme Guidelines
https://ksb.gov.in/treatment-of-serious-diseases.htm

Apply

Apply now

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Frequently asked questions

What is the purpose of AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows is a government welfare initiative designed to support Individual, Individual through benefits related to Health & Wellness, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Eligibility for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Benefits under AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows is managed by Ministry Of Defence and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Yes, eligible applicants may be able to apply online for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Applications for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows a central government scheme?
Yes, AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows is a central government welfare initiative that may be implemented across multiple states through authorised departments and agencies.
Who is eligible for pension benefits under AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Eligibility may depend on age, income category, social welfare criteria, disability status, widow status, or senior citizen classification defined under the scheme.
How are pension benefits provided under AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Pension assistance under AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows may be transferred through direct benefit transfer (DBT), linked bank accounts, post office accounts, or welfare department payment systems.
Does AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows provide healthcare or insurance support?
AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
Can beneficiaries use AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows at government hospitals?
Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
Can CSC centres help users apply for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Are there deadlines for applying to AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Some schemes may operate through fixed application windows, annual registration cycles, or department-specific deadlines depending on scheme implementation policies.
Can beneficiaries track application status for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows in All India?
Users in All India may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with AFFDF-Financial Assistance For Treatment Of Serious Diseases To Non Pensioner Ex-Servicemen (All Ranks)/Widows applications?
Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.