Mukhyamantri Shikshak Cashless Chikitsa Yojana

Overview

The Mukhyamantri Shikshak Cashless Chikitsa Yojana provides eligible teachers, education personnel, and their dependent family members in Uttar Pradesh with access to cashless inpatient treatment.

Introduction and Key Details of the Scheme

Launch Date: July 8, 2026.
Coverage Amount: Eligible families can receive up to ₹5 lakh per year for covered inpatient treatment.
Implementing Agency: The State Agency for Comprehensive Health and Integrated Services (SACHIS) administers the scheme through government and empaneled private hospitals.

Eligible Beneficiaries

Teachers and Staff: Eligible personnel under basic, secondary, and higher education departments are covered.
Other Workers: Shiksha Mitras, instructors, Kasturba Gandhi Balika Vidyalaya (KGBV) wardens and teachers, PM Poshan cooks, special educators, and non-teaching staff are included.
Dependents: Eligible dependent family members can also receive benefits.

Process to Apply

Online Application: Beneficiaries apply through their respective department portals.
Verification Process: Applicants submit personal and employment details, add dependents, and complete verification.

What if eligible teachers in Uttar Pradesh could receive inpatient treatment without paying the eligible hospital costs upfront?

The Mukhyamantri Shikshak Cashless Chikitsa Yojana provides eligible teachers, education-sector personnel, and their dependents with cashless inpatient treatment at empaneled government and private hospitals.

However, the scheme comes with specific eligibility, coverage, and health card requirements.

This guide covers the scheme’s eligibility, benefits, health card application, and comparison with personal health insurance.

What Is the Mukhyamantri Shikshak Cashless Chikitsa Yojana?

The Mukhyamantri Shikshak Cashless Chikitsa Yojana is a government-funded healthcare scheme introduced by the Uttar Pradesh (UP) government for eligible teachers, other education sector personnel, and their dependents.

Chief Minister Yogi Adityanath launched the scheme on July 8, 2026, with the State Agency for Comprehensive Health and Integrated Services (SACHIS) administering it.

Did You Know?

Within 10 days of its launch on July 8, 2026, the Mukhyamantri Shikshak Cashless Chikitsa Yojana had approved cashless treatment for 142 teachers and their dependents, with treatment worth ₹37.81 lakh sanctioned, according to a Times of India report published on July 19, 2026.

Eligibility Criteria for Mukhyamantri Shikshak Cashless Chikitsa Yojana

Eligibility depends on the education department and personnel category. The scheme covers specified teachers, employees, and other personnel under basic education, secondary education, and higher education.

Basic Education

As per the January 2026 cabinet decision, the Basic Education component covers:

Basic Education Council teachers.
Teachers in non-government aided junior high schools.
Teachers in recognized self-financed schools.
Shiksha Mitras.
Upper-primary school instructors.
Wardens and full-time or part-time teachers of Kasturba Gandhi Balika Vidyalayas.
Pradhan Mantri Poshan Yojana cooks.
Special teachers under Integrated Education.

Eligible dependent family members of these personnel are also covered.

Secondary Education

The January 2026 cabinet decision for secondary education covers teachers working in eligible aided and recognized self-financed secondary and Sanskrit institutions. It also includes certain vocational subject experts working in government and aided secondary schools.

Higher Education

As per the Higher Education Department's March 2026 government order, eligible personnel include:

Teachers of regular and self-financed courses in non-government aided colleges.
Teachers in recognized self-financed colleges.
Teachers of regular and self-financed courses in state universities.
Eligible non-teaching staff.
Dependent family members of eligible personnel.

Who Is Not Eligible?

Individuals who are already covered under another Central or State government-funded health scheme are not eligible for this scheme. This includes beneficiaries covered under schemes such as Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) and Mukhyamantri Jan Arogya Abhiyan, as specified in the applicable government orders.

Benefits, Coverage, and Treatments Covered Under Mukhyamantri Shikshak Cashless Chikitsa Yojana

Benefit	What the Scheme Covers
Coverage Amount	Up to ₹5 lakh per eligible family per year
Government-Funded Cost	₹3,000 per eligible teacher/personnel per year for secondary and basic education. ₹2,479.70 per eligible teacher/personnel per year for higher education. Teachers and other beneficiaries do not pay this.
Type of Treatment	Cashless Inpatient Department (IPD) treatment
Treatment Packages	Treatment is provided according to packages and rates notified under AB-PMJAY and the National Health Authority (NHA), as revised from time to time.
Hospitals	Government hospitals and private hospitals empaneled with the SACHIS.
Health Card	The State Health Card is used to access the cashless treatment facility at participating hospitals.

Additional Social Security Benefits

Apart from the ₹5 lakh cashless medical cover, eligible education personnel may receive separate SBI-linked insurance benefits based on their employment category:

Permanent Employees: ₹10 lakh life cover, up to ₹1 crore personal accident/disability cover, and up to ₹1.6 crore air accident cover.
Contractual Staff: ₹30 lakh to ₹80 lakh accident and disability cover, depending on category.
Eligible Low-Income Contractual Staff/Cooks: Up to ₹2 lakh accident cover through SBI accounts.

According to the official announcement, these benefits are separate from the cashless medical scheme and are linked to eligible SBI salary package accounts. Coverage is subject to applicable SBI account conditions and eligibility rules.

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How to Apply for the Mukhyamantri Shikshak Cashless Chikitsa Yojana Health Card?

Eligible beneficiaries can apply for the Mukhyamantri Shikshak Cashless Chikitsa Yojana Health Card through the online portal applicable to their education department.

Steps to Apply

Visit the Official Portal

Open the portal for your education department and select the option to apply for the Shikshak Cashless Chikitsa card.

Fill in Your Details

Enter the required employment and personal information and save the application.

Review the Application

Check the information displayed on the screen. If any details are incorrect, use the “Edit Application” option to make corrections.

Add Dependents

If you have eligible dependent family members, select the option to add dependents and provide their required details, including their photograph and Aadhaar details.

Submit the Application

Review the information and select “Submit & Print Application” to complete the application and keep a copy for your records.

Complete Departmental Verification

The relevant authorities in the respective education department verify and approve the submitted application.

Complete e-KYC

Verify your mobile number using an OTP, search for your record using the required details, and complete e-KYC using Aadhaar OTP.

Get the Health Card

Once the application is approved and verification is complete, you can access the State Health Card through the respective portal.

Education Department	Official Portal
Basic Education	Portal for Basic Shiksha Parishad
Secondary Education	Portal for Madhyamik Shiksha Vibhag
Higher Education	Portal for Higher Education

Mukhyamantri Shikshak Cashless Chikitsa Yojana for Teachers vs. Private Health Insurance: Do You Still Need Cover?

The Mukhyamantri Shikshak Cashless Chikitsa Yojana provides eligible teachers and their families with cashless healthcare benefits through empaneled hospitals. While this is a valuable government initiative, a personal health insurance policy can provide additional and long-term financial protection.

Higher Financial Protection: The Mukhyamantri Shikshak Cashless Chikitsa Yojana provides coverage of up to ₹5 lakh per eligible family per year. This amount can be insufficient for expensive surgeries, prolonged hospitalizations, or multiple hospitalizations in a year. A personal health insurance policy can provide a higher sum insured and features such as automatic restoration or cumulative bonuses, depending on the policy.
Coverage Limited to Inpatient Treatment: The scheme covers eligible inpatient treatments, so it does not cover healthcare expenses that do not involve hospitalization. A personal health insurance policy can provide broader coverage for eligible pre- and post-hospitalization, outpatient department coverage, daycare, and other medical expenses, depending on the policy terms.
More Choice of Hospitals: The scheme is limited to hospitals empaneled under the SACHIS. A personal health insurance policy can provide access to a wider network of hospitals, depending on the insurer and policy.
Protection Against Rising Healthcare Costs: Medical treatment costs continue to increase, particularly for specialized procedures and advanced treatments. A ₹5 lakh cover provides limited financial protection as healthcare expenses rise. A higher sum insured under a personal health insurance policy provides an additional financial cushion against medical inflation.
Lifelong and Customizable Coverage: The government scheme is linked to eligibility under the applicable education department rules. A personal health insurance policy provides lifelong, renewable coverage and lets you choose the sum insured and policy features based on your healthcare needs and budget.

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Conclusion

The Mukhyamantri Shikshak Cashless Chikitsa Yojana provides cashless health insurance for teachers in UP, with eligible teachers and education personnel receiving up to ₹5 lakh in cashless inpatient treatment at empaneled hospitals. This valuable government initiative can reduce the financial burden of hospitalization for beneficiaries.

However, the scheme is limited to its eligibility conditions, empaneled hospitals, and covered inpatient treatments. If you can afford it, a personal health insurance policy with lifelong renewability and customizable coverage can provide an additional layer of financial protection.

If you are considering personal health insurance, read our guide to the best health insurance plans in India to compare your options.

Frequently Asked Questions

Which teachers are eligible for cashless health insurance under the UP Mukhyamantri Shikshak Cashless Chikitsa Yojana?

The scheme covers eligible teachers and education-sector personnel under basic education, secondary education, and higher education. This includes basic education council teachers, teachers in eligible aided and self-financed institutions, Shiksha Mitras, upper-primary instructors, eligible Kasturba Gandhi Balika Vidyalaya staff, and specified higher education teaching and non-teaching staff. Eligible dependent family members are also covered, subject to the applicable department rules.

How much cashless treatment does the Mukhyamantri Shikshak Cashless Chikitsa Yojana actually pay for each year?

The Mukhyamantri Shikshak Cashless Chikitsa Yojana provides up to ₹5 lakh per eligible family per year for covered inpatient treatment. The scheme is government-funded, with ₹3,000 allocated per eligible teacher or staff member each year, which the beneficiary does not pay. Treatment is provided according to the applicable packages and rates notified under AB-PMJAY and the National Health Authority, subject to the scheme rules.

Can a teacher already covered under Ayushman Bharat PM-JAY also claim under the Mukhyamantri Shikshak Cashless Chikitsa Yojana?

No. Individuals already covered under another Central or State government-funded health scheme are not eligible for the Mukhyamantri Shikshak Cashless Chikitsa Yojana. This includes beneficiaries covered under AB-PMJAY and the Mukhyamantri Jan Arogya Abhiyan, as specified in the applicable government orders. Therefore, a teacher already covered under AB-PMJAY cannot claim benefits under both schemes.

How do teachers get the digital health card needed for cashless treatment under the Mukhyamantri Shikshak Cashless Chikitsa Yojana?

Eligible teachers must apply for the Shikshak Cashless Chikitsa Health Card through their education department's online portal. The application requires employment and personal details, then asks you to add eligible dependents and submit the application for departmental verification. Once the application is approved and verification is completed, the State Health Card can be accessed through the respective portal and used to access cashless treatment at participating hospitals.

Are retired teachers and Shiksha Mitras covered under the Mukhyamantri Shikshak Cashless Chikitsa Yojana?

Shiksha Mitras are included under the scheme's basic education component, along with their eligible dependent family members. The eligibility details in the applicable government order listed in this guide do not identify retired teachers as a separate eligible category. Therefore, retired teachers should not be treated as covered under the scheme's eligibility categories.

Does Mukhyamantri Shikshak Cashless Chikitsa Yojana cover treatment at private hospitals or only government hospitals?

The Mukhyamantri Shikshak Cashless Chikitsa Yojana covers cashless inpatient treatment at both government hospitals and private hospitals. However, the hospital must be empaneled with the SACHIS. Treatment is provided under the applicable packages and rates notified by AB-PMJAY and the National Health Authority. The State Health Card is used to access cashless treatment at participating hospitals.

Is ₹5 lakh of cashless cover enough for a teacher's family, or is a private health policy still needed?

The scheme provides up to ₹5 lakh per eligible family per year for covered inpatient treatment. This provides useful financial protection, but expensive surgeries, prolonged hospitalizations, or multiple hospitalizations can exceed this amount. The scheme also focuses on eligible inpatient treatment. If affordable, a personal health insurance policy with lifelong renewability, a higher sum insured, and customizable coverage can provide an additional layer of financial protection.

Last updated on: 11 Sep, 2026