Mukhyamantri Shikshak Cashless Chikitsa Yojana in UP

The Mukhyamantri Shikshak Cashless Chikitsa Yojana is a healthcare initiative introduced by the Government of Uttar Pradesh to provide financial and medical security to eligible teachers, education personnel and their dependent family members. The scheme aims to reduce the financial burden associated with hospitalisation and major medical treatment by offering cashless healthcare at government and empanelled private hospitals.

The scheme was formally launched by Uttar Pradesh Chief Minister Yogi Adityanath on 8 July 2026 in Varanasi. It is being implemented through the State Agency for Comprehensive Health and Integrated Services (SACHIS). Eligible beneficiaries can receive cashless medical treatment of up to ₹5 lakh per family per year, subject to the applicable scheme rules and treatment packages.

What is Mukhyamantri Shikshak Cashless Chikitsa Yojana?

The Mukhyamantri Shikshak Cashless Chikitsa Yojana is a state-sponsored healthcare scheme designed specifically for eligible teachers and other personnel associated with the education sector in Uttar Pradesh. It provides a cashless healthcare facility similar in structure to other government-supported healthcare programmes.

Under the scheme, eligible beneficiaries can seek treatment at designated government hospitals and empanelled private hospitals without having to arrange the entire treatment cost upfront. The cashless facility is available within the limits and conditions prescribed under the scheme.

The initiative is intended to provide greater healthcare security to teachers and education workers while ensuring that financial concerns do not delay necessary medical treatment. Reports indicate that the programme is expected to benefit a large number of teachers, education personnel and their dependants across Uttar Pradesh.

Key Features of the Scheme

Some of the important features of the Mukhyamantri Shikshak Cashless Chikitsa Yojana include:

The Uttar Pradesh Government bears the applicable annual premium for eligible beneficiaries, helping them access the scheme without having to separately purchase health insurance coverage for this benefit.

Who is Eligible for the Scheme?

Eligibility depends on the applicable government guidelines and the beneficiary's association with the relevant education department. The scheme broadly covers eligible teachers and education personnel, along with their eligible dependent family members.

Beneficiary categories reported under the scheme include eligible personnel associated with the Basic Education and Higher Education sectors, along with certain education workers such as Shiksha Mitras, instructors and PM Poshan cooks, wherever covered under the applicable guidelines.

Benefits of Mukhyamantri Shikshak Cashless Chikitsa Yojana

1. Cashless Treatment up to ₹5 Lakh

One of the primary benefits is cashless medical treatment of up to ₹5 lakh per family per year. This can help beneficiaries manage the financial impact of hospitalisation and other covered medical procedures.

2. Treatment at Empanelled Hospitals

Beneficiaries can access healthcare services at government hospitals and empanelled private hospitals. Before receiving planned treatment, beneficiaries should confirm that the hospital is listed under the scheme and that the required treatment is covered.

3. Coverage for Dependent Family Members

The scheme extends healthcare protection beyond the eligible employee to qualifying dependent family members. This can provide an additional layer of financial security for households where medical expenses may otherwise create a significant financial burden.

4. Reduced Upfront Medical Expenses

Since the scheme provides a cashless facility at eligible hospitals, beneficiaries may not need to arrange the entire admissible treatment cost in advance. The hospital and scheme administrator handle the eligible claim settlement process according to the applicable rules.

5. Digital Health Card

Eligible beneficiaries can obtain a cashless medical card after completing the required application, verification and e-KYC process. The card can be used for beneficiary identification and accessing eligible cashless healthcare services.

What Treatments Are Covered?

The scheme provides cashless healthcare for eligible treatments covered under its approved packages. Reported information indicates that the programme includes a wide range of hospital-based treatments and packages, including procedures related to serious illnesses and major surgeries.

Some reports have stated that more than 1,900 treatment packages are included under the scheme. However, the availability of a particular treatment, procedure or service depends on the applicable package, hospital and scheme guidelines.

Beneficiaries should therefore check the approved treatment package and coverage conditions before proceeding with planned treatment.

Documents Required for Registration

Applicants should keep the required personal, employment and family-related information ready while applying. Depending on the beneficiary category and applicable requirements, commonly requested documents or details may include:

• Aadhaar card of the beneficiary
• Aadhaar details of eligible dependent family members
• Aadhaar-linked mobile number
• Employee or service identification details
• Recent photographs
• Details of dependent family members
• Birth certificate of eligible dependent children, where applicable
• Disability certificate for a dependent family member, where applicable

The exact documentation requirements may vary according to the beneficiary category and instructions issued by the concerned authorities. Applicants should rely on the latest official instructions while completing the registration process.

How to Apply for Mukhyamantri Shikshak Cashless Chikitsa Yojana?

The registration process is primarily digital. Eligible beneficiaries are required to submit their information through the designated online process.

The general process includes:

1. Visit the designated portal for the Mukhyamantri Shikshak Cashless Chikitsa Yojana.
2. Enter the required employee and personal details.
3. Provide details of eligible dependent family members.
4. Upload the required documents and photographs.
5. Submit the application for verification by the concerned department.
6. Complete Aadhaar-based e-KYC after the application is approved or forwarded for the next stage.
7. Download the cashless medical card after successful verification and completion of the required process.

For Basic Education Council teachers and employees, the Uttar Pradesh Basic Education Department has stated that applicants can register through the designated SACHIS portal, followed by departmental verification and e-KYC through the applicable system.

How Does Cashless Treatment Work?

Once the beneficiary has an active cashless medical card, treatment can be obtained at an eligible empanelled hospital.

For planned hospitalisation, the beneficiary should first verify the hospital's empanelment and confirm whether the required treatment is covered. At the hospital, the beneficiary's identity and eligibility are verified. The hospital then follows the prescribed authorisation and claim process for the covered treatment.

In an emergency, beneficiaries should seek immediate medical attention at an appropriate facility and follow the applicable scheme procedures for authorisation and claim processing.

Cashless treatment does not necessarily mean that every medical expense is automatically covered. Expenses outside the approved package, non-covered services or costs exceeding applicable limits may remain payable by the beneficiary.

Important Points to Remember

Beneficiaries should keep the following points in mind:

• Check the latest eligibility criteria before applying.
• Ensure that Aadhaar and other personal details are accurate.
• Keep the details of dependent family members updated.
• Complete the required e-KYC process.
• Verify the empanelment status of the hospital before planned treatment.
• Confirm whether the required procedure is covered under an approved package.
• Keep a copy of the cashless medical card and relevant documents.
• Follow the hospital's authorisation and documentation requirements.

Conclusion

The Mukhyamantri Shikshak Cashless Chikitsa Yojana represents an important step towards strengthening healthcare security for eligible teachers and education personnel in Uttar Pradesh. With cashless treatment of up to ₹5 lakh per family per year and access to government and empanelled private hospitals, the scheme can help reduce the financial pressure associated with hospitalisation and major medical procedures.

Eligible teachers and education personnel should carefully complete the registration and verification process and keep their beneficiary and dependent information up to date. Before receiving treatment, it is equally important to verify hospital empanelment, treatment package availability and the applicable terms of the scheme. As government guidelines and implementation procedures may be updated, beneficiaries should refer to the latest official information before making healthcare or financial decisions.