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ECHS

EX-SERVICEMEN CONTRIBUTORY HEALTH SCHEME (ECHS)

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EX-SERVICEMEN CONTRIBUTORY HEALTH SCHEME (ECHS)
MEMBERSHIP DRIVE

“1. ECHS is a Government financed health Scheme covering all the States of the Country. The Scheme provides quality healthcare to all Ex-Servicemen pensioners and their dependent family members. All veterans who have retired before 2003 and not applied for ECHS membership may do so at the earliest. For becoming member the AFVs can visit our website www.echs.gov.in, or contact the nearest polyclinic & Regional Centres.
2. For any clarification on procedural aspects, please contact Joint Director (Est) at dirrcdelhi2@echs.gov.in &
1800 114 115

Avoid Touts and Agents”

(Source: Echs website-As on 17.01.2015)

TOLL FREE ECHS HELPLINE NO 1800-114-115. HELPLINE SERVICE AVAILABLE FROM 0900Hrs TO 1700 Hrs. MONDAY TO FRIDAY or ANY COMPLAINT ON EMPANELLED HOSPITALS NOT ADMITTING/TREATING ECHS BENEFICIARIES TO BE EMAILED TO – diritechs-mod@nic.in

To see complete details of Ex-Servicemen Contributory Health Scheme (ECHS) – CITIZEN-CHARTER – ESM (Pensioners), please click here.

(As on 02.03.2014)
Ex-Servicemen Contributory Health Scheme (ECHS)

INTRODUCTION

1.         Retired Armed Forces personnel till 2002 could avail medical facilities only for specific high cost surgery/treatment for a limited number of diseases covered under the Army Group Insurance(Medical Branch Scheme) (AGI(MBS)) and Armed Forces Group Insurance Scheme(Management Information System) (AFGIS (MIS)) schemes. These medicare schemes could provide some relief to the ESM, but it was not a comprehensive scheme as compared to and available for other Central Government Employees. Therefore, the requirement was felt of establishing a medicare system which could provide quality medicare to the retirees of the Armed Forces.
2. Based on this noble aim, and after detailed deliberations, a comprehensive scheme has taken shape as ECHS, authorised vide Government of India, Ministry of Defence letter No 22(i) 01/US/D(Res) dated 30 Dec 2002. The ECHS was launched with effect from 01 Apr 2003. With the advent of this scheme. Ex-servicemen pensioners and their dependants who were only entitled for treatment in service hospital are now authorised treatment, not only in service hospitals, but also in those civil/private hospitals which are specifically empanelled with the ECHS.
3. The Scheme is financed by Govt of India.

CONCEPT OF ECHS

4.       Conceptually the ECHS is to be managed through the existing infrastructure of the Armed Forces in order to minimise the administrative expenditure. The existing infrastructure includes command and control structure, spare capacity of Service Medical facilities (Hospitals and MI Rooms), procurement organisations for medical and non medical equipment, defence land and buildings etc.
5. In order to ensure minimal disruption of the Scheme during war/training and availability of ECHS services in non military areas above mentioned resources are to be supplemented as follows:-

(a) Establishing new Armed Forces Polyclinics in Non Military areas.
(b) Augmenting existing medical facilities/clinics in some selected military stations to cater for heavy ESM load (Augmented Armed Forces Clinics).
(c) Empanelling civil hospitals and diagnostic centres.
(d) Finances.

ORGANISATION OF ECHS

6.       The ECHS Central Organisation is located at Delhi and functions under the COSC through AG and DGDC&W in Army HQ. The Central organisation is headed by Managing Director, ECHS, a serving Major General. Detailed Organisation of Central organisation ECHS is at Appendix ‘A’. There are 13 Regional Centres ECHS. Their location and organisation is given at Appendix ‘B’.
7.        Details of military stations where existing medical facilities have been augmented (Augmented Armed Forces Clinics) and details of Stations where new Armed Forces Polyclinics have been established are at Appendix ‘C’. 
8.        There are four types of Augmented/New Polyclinics, i.e. Type ‘A’, ‘B’, ‘C’ & ‘D’.
Authorisation of Personnel in each type is given at Appendix ‘D’. (To see complete details of ECHS, please click here.)

9. Command and Control. The existing Command and Control Structure of the Army, Navy and Air Force have been given the Administrative and Financial Powers to run this Scheme. Station Commanders will exercise direct Control over the ECHS polyclinics. Station Headquarters will be able to clarify any doubts that you may have. ECHS Regional Centres are under Command HQ/ Area HQ. Central Org ECHS functions as part of AG’s Branch, Army HQ.

ADVANTAGES OF BECOMING ECHS MEMBER

1. No age or medical condition bar for becoming a member.
2. Life time contribution ranges from Rs 1800/- to Rs 18000/- (depending upon basic uncommuted pension). The contribution rates of new retirees is under upward revision.
3. No monetary ceiling on treatment.
4. Indoor/outdoor treatment, tests and medicines.
5. Country wide network of ECHS Polyclinics.
6. Familiar environment and sense of belongingness.
7. Covers spouse and all eligible dependents.

SUMMARY OF SUPREME COURT JUDGEMENT DATED 22 AUG 2006
REGARDING MEDICAL BENEFITS FOR RETIRED ARMY MEN

1.         In 1999, a petition under Article 32 of the Constitution was filed as Public Interest Litigation (PIL) by Confederation of Ex-Servicemen Associations praying for recognizing the right of full and free medicare of ex-servicemen, their families and dependants. The petition came up for hearing before a two Judge Bench during May 1999 and the Bench ordered the matter to be placed before a Bench of Five Judges. The matter was subsequently heard by a Bench of five Judges and judgement was finally given on 22 Aug 2006.

2.         Supreme court has opined the following:-
(a) A Contributory Scheme such as ECHS ‘cannot be held illegal, unlawful or unconstitutional’.
(b) One time contribution amount from Rs 1500/- to Rs 60000/- ‘cannot be said to be excessive, disproportionate or unreasonably high. It cannot be held ‘illegal’, unlawful, arbitrary or otherwise unreasonable’.
(c)        ‘Getting free and full medical facilities is not a part of fundamental right of Ex-Servicemen’.
(d)        The Court was concerned with the cases of those ESM who have retired before 01 Jan 1996.
(e)        The Govt should consider granting waiver of contribution by Pre 01 Jan 1996 retiree ESMs or Govt pay contribution on behalf of such veterans.

ELIGIBILITY CONDITIONS

1.         Eligibility For ECHS Membership. The Scheme caters for medical care to all ESM pensioners including disability and family pensioners and their dependents, which includes wife/husband, legitimate children and wholly dependent parents. To be eligible for membership of ECHS a person must meet following two conditions:- (Auth Central Org ECHS letter No B/49701-PR/AG/ECHS dt 01 Jun 2006) :-(a) Should have ESM Status.
(b) Should be drawing normal Service /Disability/ Family Pension.
Ex-Servicemen Status 
2.         The eligibility of the retired defence personnel for status of ex-servicemen is governed by the definition laid down by Department of Personnel and Training, Ministry of HRD, Govt of India. The definition has been undergoing changes from time to time.
3. Those Released Before 01 Jul 1968. Any person who had served in any rank (whether as Combatant or not) in the Armed Forces of the Union and released from there other than by way of dismissal or discharge on account of misconduct or inefficiency.
4. Those Released on or After 01 Jul 1968 But Before 01 Jul 1979. Any person who had served in any rank (whether as a Combatant or not) in the Armed Forces of the Union for a continuous period of not less than six months after attestation and released from there other than by way of dismissal or discharge on account of misconduct or inefficiency.
5. Those Released on or After 01 Jul 1979 But Before 01 Jul 1987. Any person who had served in any rank (whether as a Combatant or not) in the Armed Forces of the Union for a continuous period of not less than six months after attestation if discharged for reasons other than at their own request or by way of dismissal or discharge on account of misconduct or inefficiency and not less than 5 years of service if discharged at own request.
6. Those Released on or After 01 Jul 1987. An ‘Ex-Servicemen’ means a person, who has served in any rank whether as a combatant or non combatant in the Regular Army, Navy and Air Force of the Indian Union and
(a) Who retired from such service after earning his/her pension; or
(b) Who has been released from such service on medical grounds attributable to military service or circumstances beyond his control and awarded medical or other disability pension; or
(c) Who has been released, otherwise than on his own request from such service as a result of reduction in establishment; or  
(d) Who has been released from such service after completing the specific period of engagement, otherwise than at his own request or by way of dismissal or discharge on account of misconduct or inefficiency, and has been given a gratuity and includes personnel of the Territorial Army of the following categories namely:-

(i) Pension holders for continuous embodied service.
(ii) Persons with disability attributable to military service; and
(iii) Gallantry award winners.

7.         The Territorial Army personnel will however be treated as Ex-Servicemen wef 15 Nov 1986.
8. Govt of India, Ministry of Defence (Deptt of Ex-Servicemen Welfare) vide its Office Memorandum No 12/1/2005/D(Res) dated 01 Feb 06 has conveyed with the approval of Hon’able Raksha Mantri that such Recruits who were boarded out/released on Medical Grounds and granted Medical/Disability Pension, will also be covered under the category of Ex-Servicemen for all practical purposes.
9. The eligibility of person for the status of ex-servicemen will be governed by the definition in vogue at the time of discharge and will not be affected by the changes in the definition subsequent to his discharge.
10. The personnel of the Army Postal Service (APS) who are a part of the regular Army and retired from such service, ie directly from the Army Postal Service itself without reversion to P&T Department with a pension or who have been released from such service on medical grounds, attributable to military service, or circumstances beyond their control and awarded medical or other disability pension are also covered within the definition of ex-servicemen with effect from 19 Jul 1989.
11.        The following are eligible for membership of ECHS:-
(a) Members of Military Nursing Service (MNS)
(b)        Whole time officers (WTOs) of National Cadet Corps (NCC) who are Ex-Servicemen/NOK, and are in receipt of pension/disability pension/family pension. (Auth: Central Org ECHS No.B49764/AG/ECHS dt 10 Oct 2003)
(c)        1588 Emergency Commissioner Officers (ECOs)/Short Service Commissioned Officers (SCOs) who are permanently absorbed in National Cadet Corps as Whole Time Officers (WTOs) after their release from the Armed Forces meeting the twin conditions of being an ex-servicemen and in receipt of pension/family pension/disability pension. (Auth: Central Org ECHS No.B49764/AG/ECHS dt 10 Oct 2003)
(d) Indian Coast Guard Pensioners and retired Personnel of Defence Security Corps. (Auth ; Central Org ECHS letter No B/49701-CG/AG/ECHS dt 02 May 08 & letter No B/49701-DSC/AG/ECHS dt 17 Apr 08)
(e)        Service Officers who, prior to completing their pensionable service, joined PSUs like Air India, Indian Airlines, Pawan Hans and Shipping Corporation of India, in organisational interest, and Govt had sanctioned pension to these officers on a pro-rata basis. On secondment or transfer to PSUs these officers received their pension either as lump sum or full commutation, or on monthly basis. They would be deemed to comply with the condition of being in receipt of pension from Defence Sources. However a mandatory certificate will have to be endorsed by these ESM in their Affidavit stating that “I certify that I am NOT a member of any other govt/PSU medical health Scheme”. The following documents will be submitted along with Application Form:-
(i) Certificate from current/last employer clearly stating that his previous pension(from service in Armed Forces) has been merged with current pension.
(ii) Copy of PPO, if available or Pension Book / Discharge Book in respect of PBOR.
(iii) Service Particulars Retired/Released Officer’s (Booklet) in respect of officers.
(Auth ; Central Org ECHS letter No B/49701-PR/AG/ECHS dt 19 Apr 07)            x                                  x                                  x                                  x
15. Specific Conditions for Continuance of Eligibility. In case an ESM pensioner (male/female) has declared his/her parents as dependants, they shall continue to receive ECHS benefits for their life time, subject only to the condition that their joint income from all sources does not exceed Rs 3500/-pm from all sources. In the event of the male pensioner’s death, the widow shall be covered as she will start drawing family pension but, her parents will NOT become eligible as dependants. However, parents of the deceased pensioner, if already enrolled as dependants, would continue to enjoy benefits of the ECHS in the event of death of the ESM pensioner, provided their joint income from all sources does not exceed Rs 3500/- pm.
16. Persons NOT Eligible under ECHS. The following are NOT eligible for becoming members of ECHS:-(a) Whole time NCC officers who do not meet the twin conditions referred to under Para 1 of this chapter.
(b) Ex-ECOs/SSCO’s who do not meet twin conditions referred to at para 1 of this chapter.
(c) Legally divorced spouse.
(d) Married and/ or employed daughters/and any child whose total monthly income from all sources is more than Rs 3500/-.
(e) Son(s) above 25 years of age or who have starting earning whichever is earlier.
(f) Parents of widow/war widow.
(g) Husband of a remarried war widow. Including children born from him.

PROCEDURE FOR BECOMING MEMBER OF ECHS

1. Procedure for Pre 01 Apr 2003 Retirees. The procedure for becoming ECHS members applicable to the ESM pensioners who have retired on or before 31 Mar 2003 will be as follows:-
(a) Collect application forms from nearest Station HQs of Army/Navy/Air Force.  Forms can also be downloaded from internet website  www.indianarmy.nic.in/arechs.htm. Sample at appx E.
(b) Submission of Completed Application Forms. Designated Station  Headquarters of Army/Navy/Air Force are the only authorized collection points.
Pensioners are required to personally report to their nearest Station HQs  with the completed application form, alongwith original/photocopy of the following  documents:-
(i) Pension Payment Order (PPO), copy duly attested by Bank/Treasury from where pension is being drawn. Pre-1986 pensioners may submit  copy of Pension Book showing rate of pension.
(ii) DPDO/Bankers Certificate.
(iii) Discharge Book or Certificate/Dependent I-Cards (issued for Naval  Offrs)/ Personnel Occurrence Report.
(iv) Two copies (in original) of the Military Receivable Order (MRO) as  proof of deposit of contribution (Not Applicable to those who are exempted from payment of ECHS contribution).
(v) Affidavit duly notarised.
(vi) Demand Draft for Smart Cards.
(c) Membership will commence from the date of receipt of correctly filled Application Form at Station HQ. On receipt of correctly filled Application Form Stn HQ will give receipt to the individual.
2. Procedure For Becoming Member of ECHS (Post 01 Apr 2003 retirees). The ECHS membership for post 01 Apr 2003 retirees is compulsory. The contribution amount in respect of these Veterans is being deducted by the pension paying authorities. All documents (less PPO) as per para 1 (b) above along with Application Form will also be submitted by such retirees to their Record Offices.
3. Commencement of Membership. An applicant is considered a member of ECHS when his application alongwith all requisite documents is accepted at designated Stn HQ or from the date of retirement for new retirees provided his correctly filled Application Form is accepted by the Record Office. 
Notes: – (a). Deduction of contribution by the CDA or deposition of contribution through MRO is no guarantee for grant of membership 
(b) Identity cards issued by Zila Sainik Board will not be accepted as a proof of identification.
(c) Fixed Medical Allowance. ESM joining ECHS would cease to be entitled for FMA of Rs 100/-pm as authorised earlier in their PPO. The individuals should  approach their Pension Disbursing Authority to ensure stoppages of FMA. ECHS will not be responsible for subsequent lump sum deduction of FMA.
(d) ECHS is not responsible for refund of excess deposition of contribution. Same should be claimed from the concerned CDA by individuals. ECHS functionaries at Station HQ/ Regional Centres will assist individuals, if requested. The refund of excess remittance of ECHS subscription, if made, will be afforded by the concerned PCDA/CDA to the beneficiaries on receipt of a pre-receipted contingent bill  countersigned by the ECHS authorities along with a Xerox copy of the MRO.
4. Disposal of Receipt after Receiving Smart Card(s). Once an individual receives the Smart Card(s) his earlier obtained receipt will be returned and preserved alongith his application Form at the respective Station HQs/ECHS Regional Centre.
5. Smart Card
(a) The Card. A card with a 32 KB chip is being issued to all members as  proof of membership of the Scheme. The Card is usable at all the 227 polyclinics  across the country, after its activation by giving thumb impression at Parent  Polyclinic. The Smart Card stores various details, both in the physical as well as digital form, which can be accessed at all polyclinics.
(b) Quantity. One primary card will be issued to pensioner/ Family Pensioner and each member can have an individual card to provide flexibility of  treatment across the country as per their requirement. In addition a war disabled/battle casualty can be issued a white card for life dependency once eligibility isestablished.
(c) Existing members will have the option of continuing with the current card  albeit with limited facilities or to opt for the new card.
(d) Cost. The cost of each card is Rs 135/- and is to be borne by the member.
(e) Amendment to Card. Any subsequent amendment to the Card desired by the  member will require a fresh card to be made on approval of ECHS Organisation,  and cost to be borne by the member.
(f) Loss of Card. In case of loss of a Smart Card (s)/Temporary Receipt  ECHS member will submit application on plain paper with complete details of lost  Card(s) to dependent polyclinics/Stn/HQ for issue of duplicate cards.
6. Contribution. All ESM pensioners are required to make a one time contribution based on their uncommuted basic monthly pension (including Dearness Pension). A concession has been made in respect of old retirees, who can pay their contribution in three consecutive, equal yearly installments. Contribution rates wef 01 Apr 2004 is as under:-

Notes. (a) War Widows and Next of Kin’s of deceased Soldier who are in receipt  of ‘Liberalized Family Pension’ are exempted from payment of ECHS  contribution.
(b) War disabled soldiers are exempted from payment of ECHS contribution.
(c) Pre-1996 retirees are exempted from contribution.
7. Parent Polyclinic. Every member will be allotted a parent polyclinic, one nearest to his permanent/ temporary residence. Irrespective of parent polyclinic a member can take treatment at any polyclinic in India. If required a member can be given referral to hospital by any polyclinic as per referral policy. However, member can be issued with only seven days medicines at a time from non parent polyclinic unless he carries a Temporary Attachment Certificate (TAC). The validity of TAC is for six months at a time.
8. Change of Parent Polyclinic (Old Card holder). The member is to submit the following to nearest Stn HQs for change of Parent Polyclinic:-
(a) An application on plain paper clearly giving following details:-
(i) Old ECHS Regn Number.
(ii) Old Address.
(iii) Old Parent Polyclinic.
(iv) New Address.
(v) New Parent Polyclinic.
(b) An undertaking on a separate plain paper stating that:-
(i) No information has been concealed or suppressed.
(ii) Any false information submitted will make him liable for termination of his ECHS membership.
(c) Proof of new address like electricity/telephone/water bills/RWA certificate etc.
(d) A fresh ECHS application form with relevant columns filled and superscribed“CHANGE OF ADDRESS “ and “CHANGE OF PARENT POLYCLINIC”.
(e) Return the old cards duly defaced.
(f) Deposit DD on the name of concerned Regional Centre @ Rs 135/-per card requested.
9. Station HQs will receive the application form and provide “Receipt of Documents duly affixed photographs” which will be valid for 60 days and thereafter to be revalidated if ECHS Smart Cards are not received. ECHS member should personally collect the cards from Stn HQ within 60 days of submission of application.
10. Station HQ will place the demand to SITL through concerned Regional Centre ECHS for re-manufacturing of Smart Cards as per request of the member. SITL will issue fresh cards duly indicating new address and new parent polyclinic. SITL will also maintain details of old address and old parent polyclinic in their data base.
11. Change of Parent Polyclinic (New Card holder). The ECHS beneficiaries those who want to change his parent (original) polyclinic will be able to do so for any polyclinic of his choice and need. Once the parent polyclinic has been changed, reversion/second change of the parent polyclinics will be admissible only upon the expiry of a period of six months. The change of the parent polyclinic can be done at the reception centre of any polyclinic with approval of OIC polyclinic.

PROCEDURES FOR TREATMENT, ISSUE OF
MEDICINES AND REFERRAL PROCEDURE
x                                  x                                  x                                  x

4. Conditions of Emergency. It is emphasised that ECHS is designed to be a cashless scheme as far as possible. Treatment is to be availed at authorised hospitals ON REFERRAL ONLY. Reimbursement is permitted only in circumstances which are unavoidable due to absolute Emergency. The conditions of Emergency are as under:-
(a) Acute Cardiac conditions/syndromes.
(b) Vascular catastrophies.
(c) Cerebro-Vascular accidents.
(d) Acute respiratory emergencies.
(e) Acute abdominal pain.
(f) Life threatening injuries.
(g) Acute poisonings and snake bite.
(h) Acute endocrine emergencies.
(j) Heat stroke and cold injuries of life threatening nature.
(k) Acute renal failure.
(l) Severe infections leading to life threatening situations.
(m) Any other condition in which delay could result in loss of life or limb.
Auth : Central Org ECHS letter No B/49774/AG/ECHS/Referral dt 01 Dec 09.
5. In cases where date of emergency hospital admission is PRIOR to membership, reimbursement for ongoing emergency that spell of hospitalization is NOT reimbursable.
            x                                  x                                  x                                  x

ECHS website address:  www.indianarmy.nic.in/arechs.htm

E mails
mdechs-mod@nic.in
dymdechs-mod@nic.in
dirops-mod@nic.in
dirmedechs-mod@nic.in
dirpfcechs-mod@nic.in
jdclechs-mod@nic.in
jditechs-mod@nic.in

REGIONAL CENTRES OF ECHS  
RC Jammu                –           0191-2433139
RC Chandimandir      –           0172-2589400
RC Delhi Cantt         –            011-25682657
RC Jaipur                 –            0141-2249159
RC Lucknow             –           0522-2482745
RC Jabalpur             –           0761-2608177
RC Pune                   –           020-26334257
RC Patna                  –           06115-225955
RC Hyderabad          –           040-27797932
RC Chennai              –           044-25673092
RC Kochi                 –           0484-2373394
RC Kolkata               –           033-22318988
RC Guwahati            –           0361-2642727
(Source:  ECHS website)

To see complete details of ECHS, please click here.
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Go to NEWS.

——————————————————————————————–
RECENT JUDGMENTS 

* Consideration for promotion a fundamental right. – SC Judgment dated 09.01.2014 – Major General H.M. Singh, VSM Vs. Union of India and Anr.
* The charge sheet/charge memo having not been approved by the disciplinary authority was non est in the eye of law – SC Judgment dated 05.09.2013 – Union of India & Ors. Vs. B.V. Gopinath
* The Court or police/CBI cannot impound a passport. – SC Judgment dated 24.01.2008 – Suresh Nanda Vs. C.B.I.

■ A practice did not acquire sanction of religion simply because it was permitted. Such a practice could be regulated by law without violating Article 25. – SC Judgment dated 09.02.2015 – Khursheed Ahmad Khan Vs. State of U.P. & Ors. (Second marriage during the currency of first marriage)
■ The amended definition of the expression “NPA” under Section 2(1)(o) of the SARFAESI Act is constitutionally valid. – SC Judgment dated 28.01.2015 – Keshavlal Khemchand and Sons Pvt. Ltd. Vs. Union of India & Others
■ Mere expression of any words without any intention to cause alarm would not be sufficient to bring in the application of section 503 of IPC. But material has to be placed on record to show that the intention is to cause alarm to the complainant. “…in exercise of its jurisdiction under Section 482 Cr.P.C., the court should be extremely cautious to interfere with the investigation or trial of a criminal case and should not stall the investigation, save except when it is convinced beyond any manner of doubt that the FIR does not disclose commission of offence and that continuance of the criminal prosecution would amount to abuse of process of the court.” –  SC Judgment dated 20.01.2015 – Manik Taneja & Anr. Vs. State of Karnataka & Anr.
■ Once the Labour Court has exercised the discretion judicially, the High Court can interfere with the award, only if it is satisfied that the award of the Labour Court is vitiated by any fundamental flaws. – SC Judgment dated 14.01.2015 – K.V.S. Ram Vs. Bangalore Metropolitan Transport Corp. ——————————————————————————————–

Any demand made by husband, in-laws is dowry: SC   Timesofndia.indiatimes.com
Mar 1, 2015
NEW DELHI: Putting an end to the judicial tendency to interpret dowry in a narrow sense, the Supreme Court has said any demand made by the husband or his relatives before or after the marriage would come within the definition of dowry. …

You may like to click on any of the following links:-
* Latest DOPT / CVC / RTI / MOF / CGHS / DPE / RBI / IRDA Circulars / Orders / Notifications / Guidelines; News
* Vigilance Clearance
* Right to Information Circulars/Orders/Decisions
* Decisions of Central Information Commission – Section-Wise and Subject-Wise
* CGHS Circulars/Empanelled Hospitals/Package Rates 

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Go to NEWS.

——————————————————————————————–
RECENT JUDGMENTS 

* Consideration for promotion a fundamental right. – SC Judgment dated 09.01.2014 – Major General H.M. Singh, VSM Vs. Union of India and Anr.
* The charge sheet/charge memo having not been approved by the disciplinary authority was non est in the eye of law – SC Judgment dated 05.09.2013 – Union of India & Ors. Vs. B.V. Gopinath
* The Court or police/CBI cannot impound a passport. – SC Judgment dated 24.01.2008 – Suresh Nanda Vs. C.B.I.

■ A practice did not acquire sanction of religion simply because it was permitted. Such a practice could be regulated by law without violating Article 25. – SC Judgment dated 09.02.2015 – Khursheed Ahmad Khan Vs. State of U.P. & Ors. (Second marriage during the currency of first marriage)
■ The amended definition of the expression “NPA” under Section 2(1)(o) of the SARFAESI Act is constitutionally valid. – SC Judgment dated 28.01.2015 – Keshavlal Khemchand and Sons Pvt. Ltd. Vs. Union of India & Others
■ Mere expression of any words without any intention to cause alarm would not be sufficient to bring in the application of section 503 of IPC. But material has to be placed on record to show that the intention is to cause alarm to the complainant. “…in exercise of its jurisdiction under Section 482 Cr.P.C., the court should be extremely cautious to interfere with the investigation or trial of a criminal case and should not stall the investigation, save except when it is convinced beyond any manner of doubt that the FIR does not disclose commission of offence and that continuance of the criminal prosecution would amount to abuse of process of the court.” –  SC Judgment dated 20.01.2015 – Manik Taneja & Anr. Vs. State of Karnataka & Anr.
■ Once the Labour Court has exercised the discretion judicially, the High Court can interfere with the award, only if it is satisfied that the award of the Labour Court is vitiated by any fundamental flaws. – SC Judgment dated 14.01.2015 – K.V.S. Ram Vs. Bangalore Metropolitan Transport Corp. ——————————————————————————————–

Custody of minor shall be with mother: SC   Timesofndia.indiatimes.com
Mar 4, 2015
NEW DELHI: In a custody battle between estranged parents, a minor child, who has not completed five years of age, shall be allowed to remain with the mother, the Supreme Court has ruled saying that in such cases child should not treated as a “chattel”. …

Husband’s illicit relationship is not always cruelty: SC   Timesofndia.indiatimes.com
Feb 19, 2015
NEW DELHI: The Supreme Court has ruled that a husband’s illicit relationship with another woman may not amount to ‘cruelty’ towards his wife and count as a ground for abetment to her suicide. …

You may like to click on any of the following links:-
* Latest DOPT / CVC / RTI / MOF / CGHS / DPE / RBI / IRDA Circulars / Orders / Notifications / Guidelines; News
* Vigilance Clearance
* Right to Information Circulars/Orders/Decisions
* Decisions of Central Information Commission – Section-Wise and Subject-Wise
* CGHS Circulars/Empanelled Hospitals/Package Rates 

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NEWS.

A fun interactive session with Jhataleka Malhotra Miss India International 2014   Beautypageants.indiatimes.com

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Ration card will no longer allow poor get free education and treatment
Delhi high court wants 25% free EWS seats in playschools
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Ration card will no longer allow poor get free education and treatment    Indianexpress.com December 28, 2014
A year after the National Food Security Act was notified, the Food Supplies and Consumer Affairs department has told the government that BPL and ration cards would no longer be valid to identify the Economically Weaker Section (EWS) beneficiaries for various education and medical schemes. …

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Delhi high court wants 25% free EWS seats in playschools    Timesofindia.indiatimes.com
Nov 24, 2014
NEW DELHI: In a landmark verdict, Delhi high court on Monday directed playschools that were allotted land at concessional rates in the capital to offer 25% of their seats free of charge to children from the weaker sections. …

25% EWS seats in Kendriya Vidyalayas this year   Timesofindia.indiatimes.com
Jan 9, 2014
NEW DELHI: All 1,100 Kendriya Vidyalayas will start their admission process for Class I (entry level) from February 15. The Kendriya Vidyalaya Sangathan will shortly bring out the admission notification as well as guidelines. … Note:- It may be noted that the information in this website is subject to the Disclaimer of Dtf.in. If you have a complaint with respect to any content published in this website, it may kindly be brought to our notice for appropriate action to remove such content as early as possible or publish the latest/updated content/event, if any, at info[at]dtf.in.

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Centre launches online grievance redressal for overseas indians  

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Feb 21, 2015
NEW DELHI: The central government on Saturday launched an online consular grievance system to help the overseas Indians in getting their problems redressed in a time-bound manner. … Four steps to open an non-resident ordinary account

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SC: Pass executive order to protect Good Samaritans
Delhi roads India’s most dangerous
Save the golden hour
Scant regard for road rules makes jaywalking routine
Quick dash to avoid a long walk is unsafe for pedestrians, experts say
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SC: Pass executive order to protect Good Samaritans    Timesofindia.indiantimes.com
Oct 30, 2014
NEW DELHI: In a landmark decision, the Supreme Court on Wednesday directed the Centre to pass an executive order to protect Good Samaritans, who rush road accident victims to hospitals, from harassment at the hands of police and from being summoned as witnesses in court. …

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Delhi roads India’s most dangerous    Timesofindia.indiatimes.com
Jun 24, 2014
NEW DELHI: About 40 busloads of citizens die on the capital’s roads every year but the deaths do not shock anyone and governments over the years have done little to stop it. In the six years from 2008 to 2013, more than 12,300 people died in road accidents here. Last year alone, there were 1,820 deaths. …

Quick dash to avoid a long walk is unsafe for pedestrians, experts say  Timesofindia.indiatimes.com
Oct 28, 2013
PUNE: Accidents involving pedestrians often occur when they prefer to make a dash across the road or climb over the medians to cut short a long walk even though rules forbid such means to gain the other side. …

Scant regard for road rules makes jaywalking routine  Timesofindia.indiatimes.com
Oct 27, 2013
PUNE: More than 100 pedestrians die every year while only attempting to cross the road, as per the Pune traffic police data. Another survey estimates that one-third of all traffic accident fatalities in Pune involve pedestrians. …

Save the golden hour  Thehindu.com
Oct 25, 2013
A supportive legal framework is the need of the hour for Good Samaritans who provide emergency medical care to road accident victims in order to shield them from unnecessary legal complications
Every year nearly 150,000 people die in road accidents in India, the highest number in the world. The first hour of such an emergency, often called the ‘golden hour’ is widely regarded as the most critical for saving lives. …
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How To Avoid Diabetes
Maida: Real Cause of Diabetes

How To Avoid Diabetes
Dr. Shafeek Mohammed, BNYS,
Former C.M.O., Sunrise Naturopathy & Ayurvedic Hospial & Yoga center, Jaipur
Saturday, Apr 27, 2013 22:09 hrs. : Updated on Apr 11, 2013

Why are we consuming food, drinking water and breathing? We should know the answer to this question, before knowing about diabetics (sugar). Human body is built by a single cell. Eyes, nose, ears, heart, and all other organs develop by giving a shape to the cells. Thus the base of every thing in human body is cell. For these cells to grow, to crumble, to make new cells, to work, to have defence mechanism against disease, to make hormones, and for every thing, energy is needed. This energy in human body is obtained from food, water and air. That is why food is a primary need. The second place is for food after body (unconscious mind). In olden days we humans must not have thought about the food so much. Because the food that we got was natural, pure, without adulteration. But today’s condition is not like that. Every thing is adulterated, contains pesticides and poisons, injected by hormone, even “Furadan” is added. We are getting such foods. Just imagine what will be the condition of our health if we eat, or are made to eat, such an adulterated food, with contents that are very detrimental to our health? ‘You know, you are what you have or eat.’ Every thing that we consume is converted into glucose by our system. After converting the food into glucose, it is detected by pancreas. That is, pancreas acts as a quality controller. The insulin is given to that good glucose which is detected and passed by the pancreas. The cells accept the glucose, only if insulin is given to it. But the pancreas gives insulin only if the glucose is good. To get good glucose, good food must be eaten.

Bad food or bad glucose is rejected by the pancreas and the insulin is not given to it. This is how a person becomes diabetic (sugar patient). Pancreas has the ability to produce 1 litre 700 ml. of insulin in a day. A normal, healthy person needs only 60 to 90 ml. of insulin every day. So, diabetes is not caused by the deficiency of insulin in our body. The problem is not with our body, but with our food. The human body (unconscious mind) will not allow the bad glucose (that was not given insulin) to travel through the blood and make the blood impure. Immediately, the body (unconscious mind) gives instructions to the kidney to filter the bad glucose and eliminate it from the human body.  That is why diabetic patients urinate 3 to 4 times at night (Poly urea) Human body needs energy; so, it asks for food again and again. But again we may be providing impure food. Troubles and scare occur because we are not changing the food intake. So, we consult a doctor. The doctor requires asks to test the blood. And, what is found when the blood is tested? It detects how much glucose, rejected by the pancreas, is there; it may be above 200 or something. By seeing this, the doctor prescribes medicine. What happens when we take medicines? Actually, the medicine is compelling the pancreas to give insulin to the rejected glucose and make it pass. So, insulin is given by compelling the pancreas and the cells are forced to accept the bad glucose. When the cells accept the bad glucose necessarily, oxidation and hydrogenation can not be done, wastes cannot be eliminated and the glucose can not be crumbled to make energy. So, the cells become weak.  Blood circulation decreases. It quickly affects the bottom of legs and hands and swelling may occur. But we continue to take the tablets or inject insulin. Most of us do not think about changing the food habits or food intake. Finally, body makes wounds on toe (fingers on legs) and tries to eliminate the waste. We continue to take tablets or insulin injections even if the worst situation arises for amputation of leg or legs. But, the food intake may remain the same. Time has come for you to ponder over your current food habits. Change your food habits without delay so as to avoid occurrence of diabetes.
By Dr. Shafeek Mohammed, BNYS, Former C.M.O. Sunrise Naturopathy & Ayurvedic Hospial & Yoga center Village SAR (Bilochi) at Delhi-Chandwaji D-zone Bypass Highway, Jaipur. Mob.: 08696590200, 08094444559
E-mail: drshafbnys.mohammed284@gmail.com, dr­_shafbnys@yahoo.co.in

Note:-  The author was responsible for the contents of the above article.

Maida: Real Cause of Diabetes
Dr. Shafeek Mohammed, BNYS,
Former C.M.O., Sunrise Naturopathy & Ayurvedic Hospial & Yoga center, Jaipur
Saturday, Apr 06, 2013 21:19 hrs. : Updated on Apr 11, 2013

Now a days it is very difficult to live without the bakery and other products made of this beautiful, white-color flour called ‘maida’ (See maida in the pic) . But have you ever realized that it is a silent killer of human beings? How is it a silent killer? This article tells about how maida is made from wheat flour and what are the toxic ingredients that can mix with it to make sweet, delicious bakery products – with an overview of other harmful chemicals present in such products as are made with maida as a major or minor ingredient.

How is maida made?
The wheat grain has two parts: the outer shell part that is nutritious and eatable and the inner part that is not eatable. The inner part does not contain any fibre, too. This inner part is grinded and bleached with benzoic peroxide to form a white powder, which, in turn, is mixed with Alloxen (chemical) to form ‘maida’. Due to the process of grinding, maida becomes very soft and due to the chemical processing, it becomes white and shining, though the chemicals used are detrimental to health. Alloxen and Benzoic Peroxide in maida The chemicals, namely, Alloxen and Benzoic Peroxide are mainly used in rats and pigs for the testing of insulin. Scientists usually inject this chemical into rats and pigs so that they contract diabetes, to facilitate testing their experiments on them for their research. This chemical is toxic to pancreas, which is responsible for regulation of glucose, sugar and blood, and formation of insulin in human body. As a matter of fact, insulin is responsible for the control of blood sugar. Once pancreas is damaged, one will become diabetic. Pancreas can be damaged in many ways. Our genes and heredity, too, have a role in making pancreas susceptible to injury by noxious agents. To get pure white color, benzoic peroxide is used in cloth mills. If you take this powder and mix with water, fumes will come out, that is dangerous to human skin. But, unfortunately this chemical is one of the important intakes for the production of maida.

Why are mineral oil and aginomoto used in maida products?
As everybody knows, from petroleum we can extract petrol, diesel and kerosene. Once it’s done we get a smellless byproduct, called mineral oil. The advantage of this oil is that when we make or fry a food item, nothing happens to it for a considerable period. If we make or fry a food item with coconut oil, something will happen to that food after a few days. This is because of the natural bacteria which comes automatically in the food products. But with mineral oil, even natural bacteria will not appear and proliferate in the food item. Therefore, one can now easily imagine the powerful nature of this chemical. The other villain in this game is the aginomoto’s birth place in China. Because of the severe kidney failure cases reported over there, the Chinese government banned this chemical. But in India, most of the food items are still served with aginomoto. This chemical adds to the taste in the food by enhancing the taste buds. Most of today’s food items contain aginomoto – for example, in biryani, fried rice, soup and other maida food products (especially soup) bought from the market shop. In view of this, you may be well advised to consider ascertaining or reading the ingredients and saying a big ‘NO’ if aginomoto has been used in the product. I have read some articles about aginomoto, in which the doctors advised that if one feels some kind of headache after having Chinese food, no wonder they might have used aginomoto in their food products. The other set of chemicals which are available in bakery products are sodium meta bi sulphate, benzoic and citric acid. All these chemicals are hazardous to health, particularly for pregnant ladies and kids.

Where can we see maida products?
90% of the bakery items are made with maida. Bakery is a hub for most of the dangerous chemicals. To get colours in food products, one would need a mix of different chemicals. The same chemical (petroleum byproduct) is used in the paints manufacturing industry. The other chemicals used with maida are mineral oil, taste makers, aginomoto, preservatives, dalda, saccharin, sugar, etc. The list goes on and on. Maida or white wheat flour is used in many food stuffs worldwide. The big corporate lobby worldwide has succeeded in hiding the harmful effects of maida and disseminating the correct information. The food industry has also been able to prevent any research to rule out the causation of DIABETES by maida. While the incidence of diabetes mellitus is increasing worldwide, India, particularly Kerala, is going to get the number one place in this regard. May be our food habits, especially using maida in most of the food items, may be responsible for this. Therefore, research involving randomized control trial is needed in this regard to prove that maida can cause diabetes. Since maida contains the poison alloxan that can damage the pancreas, it is advisable to avoid maida just as use of tobacco or cigarette can cause lung cancer and many other health hazards, maida may be one of the leading causes of diabetes, the emerging disease of modern life style. Alloxen is one of the causes of adult-onset type-2 diabetes, though it is not the only cause. The current theory suggests a hereditary beta-cell predisposition to injury, coupled with some defect in tissue regeneration capacity may be a key cause. For alloxan to cause injury to an individual’s beta cells, the individual must have the genetic susceptibility to injury. This is similar to the connection between high-cholesterol foods and heart disease, cigarette smoking and lung cancer. Eating high-cholesterol foods causes heart disease, especially in people who have family histories of heart disease. Similarly, cigarette causes lung cancer in genetically susceptible individuals. The link between alloxan and diabetes is as clear and solid as the link between cholesterol and heart disease, cigarette smoking and lung cancer. All this comes down to asking: If you are putting yourself at risk for diabetic coma, blindness, limb amputation and death, is the white bread worth eating? If you’re willing to risk your quality of life and the life itself, then go ahead and eat all the foods made with the white flour. And, if you decide to stop poisoning you body with alloxan, a known toxic chemical, and other chemicals, then make a few simple dietary changes. Eat bakery products and other food products made with the whole-grain, that is, wheat flour, and not the processed white flour.

By Dr. Shafeek Mohammed, BNYS, Former C.M.O.,
Sunrise Naturopathy & Ayurvedic Hospial & Yoga center, Village SAR (Bilochi) at Delhi-Chandwaji D-zone Bypass Highway, Jaipur.
E-mail: drshafbnys.mohammed284@gmail.com, dr­_shafbnys@yahoo.co.in

Note: The author was responsible for the contents of this article.

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Beauty benefits of neem leaves
Apr 6, 2013
Neem leaves are easy to obtain and can be used as a beauty aid in many simple ways. We tell you why it should be in your beauty list… The humble neem is often ignored by urban folks in favour of more synthetic ingredients, but it has been used in Ayurveda for over 4,000 years. …

Yoga’s health benefits inspired these doctors to prescribe it 
thestar.com
Mounting research on yoga’s benefits helps Western medicine loosen up Mar 22 2013 After a sudden move during a tennis match triggered a slipped disc in his back, Dr. Raza Awan found himself in excruciating pain. It radiated from his lower back down his left leg. Awan, a rehabilitation medicine specialist, sought help from the city’s best physiotherapist, chiropractor, osteopath, acupuncturist and massage therapist. Nothing worked. …

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Beware of these top internet or email scams!
LiFi internet might just be 100 times faster than WiFi: report
Government exempts Whatsapp, social media from purview of encryption policy
Deleting WhatsApp, Google Hangouts messages could become illegal in India
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Beware of these top internet or email scams!   

Zeenews.india.com
January 30, 2016
New Delhi: If Internet connectivity has made informational available at a click of the mouse, it has also opened another option for scamsters to con people online and deprive them of their hard earned money. …

LiFi internet might just be 100 times faster than WiFi: report

Indianexperess.com
Nov 26, 2015
The pilot testing of LiFi, an alternative technology to WiFi has proved that it can send data at up to 1GBps, according to a report in The Telegraph UK. This is almost 100 times faster than the present WiFi technology. …

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Government exempts Whatsapp, social media from purview of encryption policy

Timesofindia.indiatimes.com
Sep 22, 2015
NEW DELHI: Immediately after a controversy erupted over government’s proposal to investigate on every message that an individual will send via WhatsApp, SMS, or Google Hangouts, the Department of Electronics and Information Technology clarified in a draft that social media websites and applications will be exempted from the purview of the Encryption Policy. …

Deleting WhatsApp, Google Hangouts messages could become illegal in India

Timesofindia.indiatimes.com
Sep 21, 2015
NEW DELHI: You may soon need to keep a copy of all messages sent through encrypted messaging services such as WhatsApp (Android version supports encryption), Google Hangouts or Apple’s iMessage, for 90 days, if the proposed National Encryption Policy is implemented in its current form. …

BharatNet to be put before Cabinet within 2 months

Timesofindia.indiatimes.com
Sep 20, 2015
NEW DELHI: Government’s Rs 72,000-crore nationwide broadband network programme BharatNet is likely to be submitted for the Cabinet approval within two months, a senior Department of Telecom official has said. …
More: Draft National Encryption Policy put up online for public comment, experts worried

Web overuse may make you forgetful

Timesofindia.indiatimes.com
Aug 18, 2015
Whether sitting on a train or having dinner at a restaurant, many people find it hard to stop fiddling with their mobile phones — firing off a never-ending stream of Facebook, Instagram and Twitter posts. …

Even your Wi-Fi can cause cancer

Economictimes.indiatimes.com
Jun 12, 2015
NEW DELHI: More than 200 scientists from across the world, including professors from JNU, IIT, AIIMS and University College of Medical Sciences (UCMS), DU, have urged a UN body to issue necessary guidelines in order to restrict the use of radiation emitting devices, such as cellular and cordless phones, Wi-Fi, smart meters among others. …

Internet on brink of collapse: Experts   Timesofindia.indiatimes.com
May 4, 2015
The internet is heading towards a ‘capacity crunch’ and could reach its limit in just eight years, say scientists. …

How offline internet could make the web more accessible to India’s telecom user base   Economictimes.indiatimes.com
3 Feb, 2015
Last December, when Google started offering YouTube videos in the offline mode — downloaded online, but watched offline — it opened up a whole new and perhaps even strange way to experience the internet — offline. …

Internet will ‘disappear’, says Google boss Eric Schmidt   Timesofindia.indiatimes.com
Jan 23, 2015
DAVOS, Switzerland: Google boss Eric Schmidt predicted on Thursday that the internet will soon be so pervasive in every facet of our lives that it will effectively “disappear” into the background. …

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