Mukhyamantri Shikshak Cashless Chikitsa Yojana is a health scheme by the Basic Education Department, Government of Uttar Pradesh that provides cashless medical treatment up to Rs. 5 lakh per family per year at empanelled private hospitals and unlimited treatment at government hospitals to eligible teachers, staff, and their dependents. The annual premium is paid by the department. Apply at cmtcts.upsdc.gov.in.
Uttar Pradesh Mukhyamantri Shikshak Cashless Chikitsa Yojana Highlights | |
|---|---|
| Scheme Name | Mukhyamantri Shikshak Cashless Chikitsa Yojana |
| Official Order Date | 05 February 2026 |
| State | Uttar Pradesh |
| Department | Basic Education Department, Government of Uttar Pradesh |
| Implementing Agency | SACHIS (State Agency for Comprehensive Health and Integrated Services) |
| Eligible Beneficiaries | Teachers, Shiksha Mitras, Anudeshaks, CWSN educators, KGBV wardens, PM Poshan cooks, and their dependents |
| Treatment at Private Hospitals | Up to Rs. 5 lakh per family per year |
| Treatment at Government Hospitals | No limit |
| Annual Premium | Rs. 3,000 per employee, paid by the Basic Education Department |
| Health Card | Cashless Health Card issued to every eligible beneficiary |
| Application Mode | Online only |
| Data Submission Deadline | 30 June every year |
| Official Portal | cmtcts.upsdc.gov.in |
| Helpline | 1800-1800-4444 |
| support.sects@sachis.in | |
Introduction of Uttar Pradesh Mukhyamantri Shikshak Cashless Chikitsa Yojana: A Brief Insight
A government school teacher earns a modest salary and works hard every day to educate children. But when a serious illness strikes, the cost of treatment at a private hospital can wipe out months of savings in a matter of days. To protect teachers and their families from this financial burden, the Basic Education Department, Government of Uttar Pradesh, launched the Mukhyamantri Shikshak Cashless Chikitsa Yojana.
The Additional Chief Secretary, Basic Education Department, issued the official order on 05 February 2026. The scheme runs through SACHIS (State Agency for Comprehensive Health and Integrated Services) under the Ayushman Bharat framework. Every eligible teacher and staff member receives a Cashless Health Card, which they can use at any government hospital or SACHIS-empanelled private hospital across Uttar Pradesh.
Under this scheme, eligible beneficiaries and their dependent family members get cashless treatment up to Rs. 5 lakh per family per year at empanelled private hospitals. At government hospitals, there is no limit on treatment cost. The annual premium of Rs. 3,000 per employee is paid entirely by the Basic Education Department. Teachers do not pay anything from their own pocket.
The scheme covers teachers, Shiksha Mitras, Anudeshaks, Special educators (CWSN), wardens of Kasturba Gandhi Balika Vidyalayas, and even cooks working under Pradhan Mantri Poshan Yojana in BSP schools. All their dependent family members are also covered under the same Health Card. Beneficiaries already covered under PM-JAY or Mukhyamantri Jan Arogya Abhiyan are not eligible for dual benefit.
To apply, visit cmtcts.upsdc.gov.in, click on “Apply for Shikshak Cashless Chikitsa Card”, verify your Aadhaar-linked mobile number, fill in your service and personal details, add dependents, upload documents, and submit. E-KYC completion is mandatory after submission for the Health Card to be issued.
Teachers who are not covered under this scheme or who want to know about the broader health coverage available to all Uttar Pradesh government employees can explore the Pandit Deendayal Upadhyay Rajya Karmchari Cashless Chikitsa Yojana, which provides cashless treatment up to Rs. 5 lakh per family per year to all serving and retired UP government employees and their dependents. Families of teachers who want to know about the central government’s flagship health coverage scheme can also check Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, which provides health cover of up to Rs. 5 lakh per year to eligible poor and vulnerable families across India.
Teachers and government employees in Uttar Pradesh looking for more welfare and financial assistance schemes can explore all available programmes on our Uttar Pradesh Government Welfare Schemes page.
Benefits Provided to Eligible Beneficiaries
The Basic Education Department, Government of Uttar Pradesh, provides the following medical benefits to eligible teachers, staff, and their dependent family members under Mukhyamantri Shikshak Cashless Chikitsa Yojana:
- Cashless treatment up to Rs. 5 lakh per family per year at empanelled private hospitals
- No limit on treatment cost at government hospitals
- Cashless Health Card is issued to every eligible beneficiary for hospital access
- Treatment available at both government hospitals and SACHIS-empanelled private hospitals
- IPD (Indoor Patient Department) treatment is covered at empanelled private hospitals
- Treatment rates as per Ayushman Bharat PM-JAY rates notified by NHA
- Annual premium of Rs. 3,000 per employee paid by the Basic Education Department, not by the teacher
- Dependent family members of eligible employees are also covered under the same Health Card
Eligibility Conditions Required to be Fulfilled
The Basic Education Department, Government of Uttar Pradesh, has defined the following eligibility conditions for Mukhyamantri Shikshak Cashless Chikitsa Yojana:
- Teachers working in Basic Shiksha Parishad schools
- Teachers working in BSP-recognised aided schools
- Teachers working in BSP-recognised self-financed schools
- Shiksha Mitras working in Basic Shiksha Parishad schools
- Instructors (Anudeshak) working in Basic Shiksha Parishad schools
- Special educators (CWSN) working in Basic Shiksha Parishad schools
- Part-time teachers working in Kasturba Gandhi Balika Vidyalayas
- Full-time teachers working in Kasturba Gandhi Balika Vidyalayas
- Wardens working in Kasturba Gandhi Balika Vidyalayas
- Cooks working under Pradhan Mantri Poshan Yojana (Mid-Day Meal)
- Dependent family members of all above eligible beneficiaries
Who Is Not Eligible
- Beneficiaries already covered under PM-JAY (Pradhan Mantri Jan Arogya Yojana)
- Beneficiaries already covered under Mukhyamantri Jan Arogya Abhiyan
- Any person already receiving benefits under any other central or state government health scheme
Documents Required to be Attached
Eligible teachers and other beneficiaries must submit the following documents while applying for the Cashless Health Card under Mukhyamantri Shikshak Cashless Chikitsa Yojana at cmtcts.upsdc.gov.in:
- Aadhaar Card of the applicant
- Aadhaar Card of all dependent family members
- Mobile number linked to Aadhaar
- Photograph of the applicant (under 20 KB)
- Photograph of each dependent family member (under 20 KB)
- Birth certificate of a dependent child above 1 year of age
- Disability certificate of dependent family member (if applicable)
How Beneficiaries Can Apply to Avail the Benefit of this Scheme
Mukhyamantri Shikshak Cashless Chikitsa Yojana accepts online applications only at cmtcts.upsdc.gov.in. Before starting the application, make sure your mobile number is linked to your Aadhaar card. Without this, the OTP will not arrive and the application cannot proceed. Fill every detail in the form exactly as mentioned on your Aadhaar card. Start the application only after receiving the departmental order from your BSA or DIOS office.
Step 1: Open cmtcts.upsdc.gov.in on your mobile or computer. On the dashboard, click on “Apply for Shikshak Cashless Chikitsa Card”.
Step 2: Enter your Aadhaar-linked mobile number and fill in the captcha. An OTP will arrive on your registered mobile number. Enter the OTP to verify your number and proceed.
Step 3: Select your Department, Department Name, School District, School Block, Present Post, and School Name carefully from the dropdown options.
Step 4: Fill in your personal details exactly as they appear on your Aadhaar card. Enter your Applicant Name, Father or Husband Name, Date of Birth, Retirement Date, Gender, Email, Aadhaar Number, District as per Aadhaar, and full address.
Step 5: Add your dependent family members one by one. For each dependent, enter their name, relationship, Aadhaar number, and upload their photograph. For a dependent child above 1 year of age, upload the birth certificate. For a dependent with disability, upload the disability certificate.
Step 6: Upload clear photographs of yourself and all dependent family members. Each photograph must be under 20 KB. Upload Aadhaar cards of all dependents as well.
Step 7: Review all details carefully before submitting. Once satisfied, submit the application and note down your application reference number for future tracking.
Step 8: After submission, complete your E-KYC on the portal. E-KYC completion is mandatory for the Health Card to be issued.
Step 9: Once your application is approved, download your Cashless Health Card from cmtcts.upsdc.gov.in. Carry this card whenever you visit a government hospital or an empanelled private hospital for cashless treatment.
How to Check Your Application Status
Step 1: Visit cmtcts.upsdc.gov.in/public/showAppStatus.aspx on your mobile or computer.
Step 2: Enter your application reference number and click Search to check the current status of your application.
How to Find Empanelled Hospitals Near You
Step 1: Visit hem.nha.gov.in/search to search for SACHIS-empanelled hospitals near your location.
Step 2: Enter your district or pin code to get a list of all empanelled government and private hospitals where you can avail cashless treatment using your Health Card.
Important: Your annual data submission to SACHIS must be completed by 30 June every year through the nodal officer of your school or department. Missing this deadline may delay your Health Card issuance for that year.
Employee Gateway: Other Important Actions on the Portal
Once you have submitted your application, the Employee Gateway section on cmtcts.upsdc.gov.in gives you access to the following options to manage your application and Health Card:
Edit Application: If you made a mistake in your application after submission, click “Edit Application” under Employee Gateway to correct your details before final approval.
Add or Edit Dependents: If you want to add a new dependent family member or edit an existing dependent’s details, click “Add / Edit Dependents” under Employee Gateway and update the information.
Print Application: Once your application is submitted, click “Print Application” to download and save a copy of your submitted application for your records.
Print State Health Card: After your application is approved, click “Print State Health Card” to download and print your Cashless Health Card. Carry this card every time you visit a government hospital or an empanelled private hospital for cashless treatment.
Edit Approved Application (Correction Request): If your application is already approved, but you need to make a correction in your Aadhaar number or mobile number, click “Edit Approved (Correction Request)” under Employee Gateway and submit the correction request.
How to Use Your Cashless Health Card at the Hospital
Getting the Cashless Health Card is only the first step. Knowing how to use it correctly at the hospital is equally important, especially during a medical emergency. Follow these steps when you visit a government hospital or an empanelled private hospital for cashless treatment:
Step 1: Before visiting any private hospital, confirm that the hospital is empanelled under SACHIS. You can check the full list of empanelled hospitals at hem.nha.gov.in/search by entering your district or pin code. At any government hospital, your Health Card is accepted directly without any empanelment check.
Step 2: Carry your printed Cashless Health Card and your Aadhaar card when you go to the hospital. Both documents are required for identity verification at the hospital counter.
Step 3: At the hospital, go to the Ayushman Bharat or SACHIS help desk counter. Show your Cashless Health Card and Aadhaar card to the staff. The hospital staff will verify your identity and confirm your eligibility on the SACHIS system.
Step 4: Once your identity is verified, the hospital will admit you under the cashless treatment facility. You will not need to pay any amount at the time of admission for covered treatments.
Step 5: After treatment and discharge, the hospital directly claims the treatment cost from SACHIS. You do not need to pay and then seek reimbursement. The entire process is cashless from admission to discharge.
Important: Your Cashless Health Card covers IPD (Indoor Patient Department) treatment only at empanelled private hospitals. OPD (Outpatient Department) treatment at private hospitals is not covered under this scheme. At government hospitals, both IPD and OPD facilities are available without any cost limit.
Important Links Available
- Mukhyamantri Shikshak Cashless Chikitsa Yojana Official Portal
- Apply Online for Shikshak Cashless Chikitsa Card
- Check Application Status of Mukhyamantri Shikshak Cashless Chikitsa Yojana
- Application Process Flow PDF of Mukhyamantri Shikshak Cashless Chikitsa Yojana
- Find Empanelled Hospital Near You
- Official Guidelines of Mukhyamantri Shikshak Cashless Chikitsa Yojana UP
Contact Details in Case of Help Needed
- Office: Chief Executive Officer, Ayushman Bharat (SACHIS), 4th Floor, Navchetna Kendra, 10, Ashok Marg, Hazratganj, Lucknow, Uttar Pradesh, Pin: 226001
- Helpline: 1800-1800-4444
- Email: support.sects@sachis.in
Frequently Asked Questions (FAQs)
Q. What is Mukhyamantri Shikshak Cashless Chikitsa Yojana?
Ans. Mukhyamantri Shikshak Cashless Chikitsa Yojana is a health scheme by the Basic Education Department, Government of Uttar Pradesh. It provides cashless medical treatment up to Rs. 5 lakh per family per year at empanelled private hospitals and unlimited treatment at government hospitals to eligible teachers, staff, and their dependent family members.
Q. Who is eligible for Mukhyamantri Shikshak Cashless Chikitsa Yojana?
Ans. Teachers, Shiksha Mitras, Anudeshaks, Special educators (CWSN), wardens, part-time and full-time teachers of Kasturba Gandhi Balika Vidyalayas, and cooks under Pradhan Mantri Poshan Yojana working in Basic Shiksha Parishad schools and BSP-recognised schools are eligible. Their dependent family members are also covered.
Q. How much cashless treatment can I get under this scheme?
Ans. You can get cashless treatment up to Rs. 5 lakh per family per year at empanelled private hospitals. At government hospitals, there is no limit on treatment cost.
Q. Do I need to pay the annual premium myself?
Ans. No. The annual premium of Rs. 3,000 per employee is paid by the Basic Education Department. You do not need to pay anything from your own pocket.
Q. How do I apply for the Cashless Health Card?
Ans. Visit cmtcts.upsdc.gov.in, click on “Apply for Shikshak Cashless Chikitsa Card”, verify your Aadhaar-linked mobile number via OTP, fill your service and personal details, add dependents, upload documents, and submit the application.
Q. Is E-KYC mandatory after submitting the application?
Ans. Yes. E-KYC completion on the portal is mandatory. Without completing E-KYC, your Cashless Health Card will not be issued.
Q. Can I add my family members to the Health Card?
Ans. Yes. You can add dependent family members while filling out the application. After submission, you can also add or edit dependents through the “Add / Edit Dependents” option under the Employee Gateway section on cmtcts.upsdc.gov.in.
Q. What documents do I need to apply?
Ans. You need your Aadhaar card, Aadhaar cards of all dependents, Aadhaar-linked mobile number, photographs of the applicant and dependents under 20 KB, birth certificate of dependent child above 1 year of age, and disability certificate of the dependent if applicable.
Q. I am already covered under PM-JAY. Can I also avail of this scheme?
Ans. No. Beneficiaries already covered under PM-JAY (Pradhan Mantri Jan Arogya Yojana) or Mukhyamantri Jan Arogya Abhiyan are not eligible for this scheme. Dual benefit is not allowed.
Q. Where can I find empanelled hospitals near me?
Ans. Visit hem.nha.gov.in/search and enter your district or pincode to get a complete list of empanelled government and private hospitals near you.
Q. How do I check my application status?
Ans. Visit cmtcts.upsdc.gov.in/public/showAppStatus.aspx, enter your application reference number, and click Search to check the current status.
Q. What is the deadline for annual data submission to SACHIS?
Ans. The nodal officer of your school or department must submit the complete beneficiary data to SACHIS by 30 June every year. Missing this deadline may delay your Health Card issuance.
Q. I made a mistake in my approved application. How do I correct it?
Ans. Log in to cmtcts.upsdc.gov.in and click “Edit Approved (Correction Request)” under the Employee Gateway section to submit a correction request for your Aadhaar number or mobile number.
Q. How do I download my Cashless Health Card?
Ans. After your application is approved, log in to cmtcts.upsdc.gov.in and click “Print State Health Card” under the Employee Gateway section to download and print your Health Card.
Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.