Mukhyamantri Shikshak Cashless Chikitsa Yojana: Uttar Pradesh

Mukhyamantri Shikshak Cashless Chikitsa Yojana: Key Highlights

Why Was Mukhyamantri Shikshak Cashless Chikitsa Yojana- UP Introduced

Before the introduction of the Mukhyamantri Shikshak Cashless Chikitsa Yojana, teachers and other eligible employees of the Uttar Pradesh Basic Education Department largely depended on reimbursement-based medical assistance or had to bear treatment costs themselves. This often resulted in financial strain and delays in accessing quality healthcare, particularly for expensive hospital treatments.

To address this gap, the Uttar Pradesh Government introduced the Mukhyamantri Shikshak Cashless Chikitsa Yojana to provide cashless treatment to eligible teachers, non-teaching staff, and their dependent family members through empanelled hospitals.This makes it similar in purpose to employee-specific health schemes such as the Telangana New Employees Health Scheme (NEHS) and the Dr. YSR Employee Health Scheme in Andhra Pradesh, which provide cashless healthcare benefits to eligible government employees and their dependents.

Who is Eligible for Uttar Pradesh Mukhyamantri Shikshak Cashless Chikitsa Yojana Guidelines?

The Mukhyamantri Shikshak Cashless Chikitsa Yojana scheme is available to eligible personnel working under the Basic Education Department and their dependent family members.

The following beneficiaries are covered:

• Teachers working in Basic Education Council schools
• Teachers working in aided schools recognized by the Basic Education Council
• Teachers working in self-financed schools recognized by the Basic Education Council
• Shiksha Mitras working under the Basic Education Department
• Instructors (Anudeshak)
• Special Teachers (CWSN)
• Full-time teachers working in Kasturba Gandhi Balika Vidyalayas
• Part-time teachers working in Kasturba Gandhi Balika Vidyalayas
• Wardens working in Kasturba Gandhi Balika Vidyalayas
• Cooks working under the PM Poshan (Mid-Day Meal) Scheme
• Eligible dependent family members of the above beneficiaries

It is to be noted that people who are already covered under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), Mukhyamantri Jan Arogya Abhiyan or any other government health insurance scheme are not eligible to apply for this scheme.

Benefits of Uttar Pradesh Mukhyamantri Shikshak Cashless Chikitsa Yojana

The Uttar Pradesh Mukhyamantri Shikshak Cashless Chikitsa Yojana provides financial protection against medical expenses arising from serious illnesses, accidents, surgeries, or other medical emergencies.

Here are the benefits of the Mukhyamantri Shikshak Cashless Chikitsa Yojana in UP:

• It provides cashless hospitalization of up to ₹5 lakh.
• Beneficiaries can avail treatment at government hospitals and SACHIS-empanelled private hospitals.
• Eligible individuals as well as their dependent family members are covered.
• Treatment packages are provided at Ayushman Bharat and NHA-approved rates.
• It helps the state’s teachers and non-teaching staff to reduce their out-of-pocket medical expenses.
• It allows hospitalization at the eligible hospitals without the need to pay money in advance.
• It also covers other health insurance benefits, like air accident insurance.
• It provides add-on benefits to support the education of employees’ children and the marriage of daughters in case of an unforeseen tragedy.
• A personal accident insurance cover ranging from ₹30 lakh to ₹80 lakh is also provided to the contractual employees earning a monthly salary of more than ₹10,000.

How to Apply for Mukhyamantri Shikshak Cashless Chikitsa Yojana?

To avail the treatment under the scheme beneficiaries are required to have a Shikshak Cashless Chikitsa Card.(Cashless Health Card).

Beneficiaries who wish to apply for Shikshak Cashless Chikitsa Card online must complete the Mukhyamantri Shikshak Cashless Yojana online registration process.

Registration for this scheme is only by the online route. Here are the steps to apply for Mukhyamantri Shikshak Cashless Chikitsa Yojana:

• See the official website of Mukhyamantri Shikshak Cashless Chikitsa Yojana
• On the home page, click on "Apply for Shikshak Cashless Chikitsa Card Yojana".
• Fill in all personal and service information correctly
• Submit all documents in correct format
• Submit the application and record the acknowledgment number to track the status .
• Once approved, beneficiaries can download their Shikshak Cashless Chikitsa Card(Health Card) directly from the official portal and can use it at empanelled hospitals for cashless treatment.
  
  
  

Documents Required to Apply for Mukhyamantri Shikshak Cashless Chikitsa Card

Here are the details required to apply for the Uttar Pradesh Mukhyamantri Shikshak Cashless Chikitsa Yojana:

• Aadhaar card
• Employee ID or service-related details
• Mobile number (linked with Aadhaar)
• Photographs
• Disability Certificate (if any)
• Family details for dependent members
• Additional documents as required by the Basic Education Department or SACHIS

How to Check the Status and Download Shikshak Cashless Chikitsa Card

• Track your application status: SMS notifications are sent to your registered mobile number as the application moves through the verification and approval process.
• Complete Aadhaar e-KYC: After approval, complete Aadhaar-based e-KYC for yourself and all enrolled family members through the official NHA Beneficiary Portal or the designated mobile application.
• Verify each beneficiary: Authenticate each family member using Aadhaar OTP and complete the required identity verification.
• Download the Health Card: Once e-KYC is successfully completed, download the Shikshak Cashless Chikitsa Card from the official portal and present it with your Aadhaar card at empanelled hospitals to avail cashless treatment.

How the Claim Process Works

The Mukhyamantri Shikshak Cashless Chikitsa Yojana works on a cashless scheme at empanelled hospitals:

• Go to any government or empanelled private hospitals like SACHIS along with your Cashless Health Card and Aadhaar Card
• Show the card to the help desk of the hospital for verification from the SACHIS scheme
• If there is a planned procedure, a pre-authorisation request is made by the hospital to SACHIS
• Treatments are cashless; all billing will be done directly between the hospital and SACHIS
• In case of emergency, the treatment starts immediately while getting authorisation afterwards
• After discharge, digital health records are maintained and updated in your ABHA card

An empanelled hospital asking for out-of-pocket expenses from a registered beneficiary should be immediately reported to SACHIS.

Mukhyamantri Shikshak Cashless Chikitsa Yojana & other State-level Schemes

If the dependent family members of education staff do not fit the eligibility criteria in this scheme or belong to another state, then there are state-level health schemes that they can look into:

• Atal Amrit Abhiyan (Assam): covers BPL and APL families for 6 groups of expensive diseases at nil or negligible costs
• Gopabandhu Jan Arogya Yojana (GJAY) (Odisha): offers upto ₹6 lakh to urban families
• Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) (Tamil Nadu): covers families below poverty line till ₹5 lakh
• Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) (Maharashtra): same state-level cashless scheme
• Swasthya Sathi Scheme (West Bengal): Cashless Scheme for eligible families
• Chirayu Ayushman Haryana: Applicable for education staff belonging to Haryana
• Mission Vatsalya: Hospitalisation benefit for children living in institutional care

Helpline and Support

The Mukhyamantri Shikshak Cashless Chikitsa Yojana makes sure that UP’s teachers, Shiksha Mitras, educators, and PM Poshan cooks, as well as their families, will never find themselves financially distressed because of an unexpected medical expense. With Rs. 5 lakh cashless cover, Rs. 80 lakh personal accident insurance, and treatment at the NHA-approved rate from government hospitals and empanelled hospitals under SACHIS, this plan offers real financial security to the educational workers of the state. Register your ABHA card by visiting abdm.gov.in and then go to the official website and get yourself registered before 6th September 2026.