Mukhyamantri Shikshak Cashless Chikitsa Yojana is a health insurance scheme started by the Uttar Pradesh Government for teachers and staff working under the Basic Education Department and Higher Education Department. The main goal of this scheme is simple: no teacher should have to worry about money when facing a medical emergency.
Under this yojana, eligible teachers, non-teaching staff, and their dependent family members get a Cashless Health Card. This card lets them receive treatment at government hospitals and private hospitals empanelled under SACHIS (State Agency for Comprehensive Health and Integrated Services), without paying cash upfront.
The scheme was formally launched by Chief Minister Yogi Adityanath on 8 July 2026 in Varanasi. The official order for the Basic Education Department was issued on 5 February 2026 by the Additional Chief Secretary, Basic Education Department, Uttar Pradesh. The scheme runs under the broader Ayushman Bharat framework, and treatment rates follow the packages notified by the National Health Authority (NHA).
Why Was This Scheme Introduced?
A government school teacher usually earns a fixed monthly salary. When a serious illness, accident, or surgery happens in the family, private hospital bills can eat up months or even years of savings in just a few days. Many teachers used to delay treatment or borrow money because they were scared of hospital bills.
The Uttar Pradesh Government already runs similar cashless health schemes for other groups:
- Mukhyamantri Jan Arogya Yojana — for eligible general families
- Pandit Deendayal Upadhyaya Rajya Karmchari Cashless Chikitsa Yojana — for state government employees and pensioners
Teachers and education staff did not have a dedicated cashless scheme of their own until now. Mukhyamantri Shikshak Cashless Chikitsa Yojana fills that gap and gives the teaching community its own dedicated health protection cover.
Key Highlights of the Scheme
| Particular | Details |
|---|---|
| Scheme Name | Mukhyamantri Shikshak Cashless Chikitsa Yojana |
| Launched By | CM Yogi Adityanath |
| Launch Date | 8 July 2026 (Varanasi) |
| Official Order Date | 5 February 2026 |
| Implementing Agency | SACHIS (State Agency for Comprehensive Health and Integrated Services) |
| Framework | Ayushman Bharat / PM-JAY package rates |
| Beneficiaries | Teachers and staff of Basic Education & Higher Education Departments and their dependents |
| Coverage at Private Hospitals | Up to ₹5 lakh per family per year |
| Coverage at Government Hospitals | No fixed upper limit |
| Annual Premium | ₹3,000 per employee, paid by the department (not by the teacher) |
| Mode of Treatment | Cashless, through Health Card |
| State | Uttar Pradesh |
Who Can Apply? (Eligibility Criteria)
This scheme is meant for employees connected to the education system of Uttar Pradesh. Below are the general eligibility points:
- The applicant must be a regular teacher or staff member working under the Basic Education Department or Higher Education Department, Government of Uttar Pradesh.
- The applicant should have a valid service ID or employee record with the department.
- Aadhaar card linked with an active mobile number is required for e-KYC verification.
- Dependent family members (as per the department’s dependent-family definition, usually spouse, children, and dependent parents) can also be added under the same card.
- The applicant must complete the online registration and verification process through the official portal.
Quick Eligibility Snapshot
| Category | Eligible? |
|---|---|
| Basic Education Department teachers | Yes |
| Higher Education Department teachers | Yes |
| Non-teaching staff under these departments | Yes |
| Retired teachers (pensioners under this specific scheme) | Check with department circular |
| Private school teachers (non-government) | No |
| Dependent spouse, children, parents | Yes, as per department norms |
Benefits of Mukhyamantri Shikshak Cashless Chikitsa Yojana
- Cashless hospitalisation up to ₹5 lakh per family per year at SACHIS-empanelled private hospitals.
- No cap on treatment amount at government hospitals.
- One Cashless Health Card covers the teacher and all listed dependents.
- Treatment packages follow standard Ayushman Bharat PM-JAY rates, so pricing stays transparent and regulated.
- The government pays the annual premium of ₹3,000 per employee, so there is no extra cost to the teacher.
- IPD (Indoor Patient Department / hospital admission) treatment is covered under the scheme.
- Reduces dependency on personal savings or loans during medical emergencies.
- Card-based system makes hospital admission faster during emergencies.
Documents Required for Registration
Keep these documents ready before you start the application:
- Aadhaar Card (linked with an active mobile number)
- Employee ID / Service ID proof
- Recent passport-size photograph
- Details and Aadhaar of dependent family members
- Bank account details (if asked during verification)
- Department appointment letter or salary slip (for service verification)
Step-by-Step Online Application Process
How to Apply for the Cashless Health Card
- Go to the official portal of the scheme.
- Click on the option “Apply for Shikshak Cashless Chikitsa Card.”
- Verify your Aadhaar-linked mobile number using OTP.
- Fill in your service details, personal details, and department information.
- Add your dependent family members with their supporting documents.
- Upload the required documents and a recent photograph.
- Submit the form for verification by the concerned department.
- Complete Aadhaar-based e-KYC once your application is approved or forwarded.
- Download your Cashless Health Card after successful verification.
Apply only through the official government portal. Avoid third-party websites or agents claiming to process this application for a fee — the registration is completely free.
How the Cashless Treatment Process Works at Hospitals
| Step | What Happens |
|---|---|
| 1. Show Health Card | Beneficiary shows the Cashless Health Card at an empanelled hospital’s help desk |
| 2. Verification | Hospital verifies the card and beneficiary identity through the SACHIS system |
| 3. Treatment Approval | Treatment package is approved based on NHA/Ayushman Bharat rates |
| 4. Admission & Treatment | Patient is admitted and treated without paying cash upfront |
| 5. Discharge | Hospital settles the bill directly with SACHIS/department, not the patient |
Empanelled Hospitals Under the Scheme
Treatment is available at two types of hospitals:
- Government Hospitals — no upper monetary limit on treatment cost.
- SACHIS-Empanelled Private Hospitals — cashless treatment up to ₹5 lakh per family per year.
The complete and updated list of empanelled hospitals is published and regularly updated on the official scheme portal. It is recommended to check the latest hospital list on the portal before planning any non-emergency treatment.
Correction in Aadhaar or Mobile Number
If your Aadhaar details or registered mobile number are incorrect in the application, you can request a correction. Generally, applicants need to send the correction request along with supporting documents to the scheme’s official support email address, which is published on the portal. It is best to always use the latest official contact details shown on the portal, since support channels can be updated from time to time.
Comparison with Other UP Health Schemes
| Scheme | Target Group | Coverage Limit |
|---|---|---|
| Mukhyamantri Shikshak Cashless Chikitsa Yojana | Teachers & education staff | ₹5 lakh/family/year (private); no cap (government hospitals) |
| Mukhyamantri Jan Arogya Yojana | General eligible families | As per scheme notification |
| Pandit Deendayal Upadhyaya Rajya Karmchari Cashless Chikitsa Yojana | State government employees & pensioners | As per scheme notification |
Additional Benefit: MoU with Punjab National Bank
Along with the health scheme, the Higher Education Department has also signed a Memorandum of Understanding (MoU) with Punjab National Bank (PNB) to provide additional social security benefits to eligible teachers and employees. This is a separate benefit layered on top of the cashless health cover, aimed at strengthening overall financial security for the teaching community.
Common Mistakes to Avoid
- Do not share your Aadhaar or personal details on unofficial websites claiming to offer “faster registration.”
- Do not skip adding dependent family members if they are eligible — you cannot always add them later without a fresh process.
- Do not assume all private hospitals are covered — only SACHIS-empanelled hospitals offer cashless treatment.
- Do not ignore e-KYC — your Health Card will not be issued without completing this step.
Frequently Asked Questions (FAQs)
Who is eligible for Mukhyamantri Shikshak Cashless Chikitsa Yojana?
Teachers and staff working under the Basic Education Department and Higher Education Department of Uttar Pradesh, along with their eligible dependent family members, can apply for this scheme.
What is the maximum coverage under this scheme?
Beneficiaries can get cashless treatment up to ₹5 lakh per family per year at empanelled private hospitals. There is no fixed upper limit for treatment at government hospitals.
Do teachers have to pay any premium themselves?
No. The annual premium of ₹3,000 per employee is paid by the Basic Education Department, not by the teacher.
How can I apply for the Cashless Health Card?
You can apply online through the official scheme portal by verifying your Aadhaar-linked mobile number, filling in your service and personal details, adding dependents, uploading documents, and submitting the form for verification.
Is this scheme applicable to private school teachers?
No, this scheme is specifically designed for teachers and staff of the Basic Education Department and Higher Education Department of the Uttar Pradesh Government.
What should I do if my Aadhaar or mobile number is wrong in the application?
You can request a correction by contacting the official support email address listed on the scheme’s portal, along with the required supporting documents.
Which hospitals accept the Cashless Health Card?
Government hospitals and hospitals empanelled under SACHIS accept the card. The updated list of empanelled hospitals is available on the official portal.
Is registration for this scheme free?
Yes, registration is completely free through the official government portal. Beware of anyone asking for payment to “process” your application.
Important Links
| Action | Link |
|---|---|
| Application Form / Apply for Cashless Health Card | Click Here |
| Official Scheme Portal | Click Here |
| Check Empanelled Hospital List | Click Here |
| Other Uttar Pradesh Government Yojana Info | Click Here |
| UP Basic Education Department Home Page | Click Here |
| Helpline Number | 1800-1800-4444 / 14555 |
| Support Email | support.cmtcts@sachis.in |