Uttar Pradesh Mukhyamantri Shikshak Cashless Chikitsa Yojana

Scheme Introduction: A Brief Overview

The Mukhyamantri Shikshak Cashless Chikitsa Yojana is a healthcare scheme launched by the Uttar Pradesh Government to provide cashless medical treatment facilities to teachers and other personnel associated with the Basic Education Department, the Secondary Education Department and the Higher Education Department. The scheme aims to ensure that eligible beneficiaries and their dependent family members can access quality healthcare services without facing financial difficulties during serious illnesses, accidents, surgeries, or other medical emergencies.

Under the Mukhyamantri Shikshak Cashless Chikitsa Yojana, eligible beneficiaries and their dependent family members can receive cashless medical treatment of up to ₹5 lakh per family per year. Treatment facilities will be available in government hospitals as well as empanelled private hospitals. Since the scheme follows a cashless treatment model, beneficiaries will not have to arrange money in advance for approved hospitalisation expenses.

In addition, the Uttar Pradesh Government has facilitated additional social security benefits for teachers and education staff through a Memorandum of Understanding (MoU) with Punjab National Bank (PNB). These benefits include personal accident insurance of up to ₹1.50 crore, air accident insurance of up to ₹3 crore, hospital cash benefits of up to ₹60,000, and term life insurance coverage of up to ₹12 lakh. Together, these initiatives provide comprehensive financial and healthcare protection to eligible beneficiaries and their families.

The scheme is available to eligible teachers and other personnel working under the Basic Education Department, the Secondary Education Department and the Higher Education Department, along with their eligible dependent family members. However, individuals who are already covered under government-funded health schemes such as Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), Mukhyamantri Jan Arogya Abhiyan, or similar health insurance schemes are not eligible to receive benefits under this scheme.

Each of the three education departments runs its own separate registration portal for the Mukhyamantri Shikshak Cashless Chikitsa Yojana. Teachers and staff of the Basic Education Council apply at cmtcts.upsdc.gov.in. Teachers and staff of secondary schools apply at mcmtcts.upsdc.gov.in. Teachers and staff under the Higher Education Department apply at hcmtcts.upsdc.gov.in. The application and status-check process is the same on the Basic and Secondary Education portals, while the Higher Education portal follows a slightly different flow. Approval, however, is handled by a different authority in each of the three departments, so beneficiaries should confirm which department they are attached to before starting the application. An application filed on the wrong portal will not reach the correct verifying authority.

To receive treatment under the Mukhyamantri Shikshak Cashless Chikitsa Yojana, beneficiaries must obtain a Cashless Health Card. The card will be used to verify the beneficiary's identity at empanelled hospitals before treatment is provided. The scheme is being implemented through the State Agency for Comprehensive Health and Integrated Services (SACHIS), and treatment will be provided according to package rates approved under Ayushman Bharat and the National Health Authority (NHA). After completing registration and verification, beneficiaries can download their Health Card online and use it to avail cashless treatment benefits.

The Uttar Pradesh Government already operates healthcare initiatives such as the Mukhyamantri Jan Arogya Yojana for eligible families and the Pandit Deendayal Upadhyaya Rajya Karmchari Cashless Chikitsa Yojana for state government employees and pensioners. With the launch of the Mukhyamantri Shikshak Cashless Chikitsa Yojana, teachers and other personnel associated with the Basic, Secondary and Higher Education Departments will receive dedicated healthcare protection and access to cashless medical treatment facilities.

Scheme Benefits

The Mukhyamantri Shikshak Cashless Chikitsa Yojana offers eligible teachers, education staff and their dependent family members cashless hospitalisation worth up to ₹5 lakh every year, along with additional insurance cover. The key benefits available under the scheme are listed below.

• Cashless hospitalisation treatment up to ₹5 lakh per family per year.
• Treatment available in government hospitals.
• Treatment available in SACHIS-empanelled private hospitals.
• Coverage available for eligible beneficiaries and their dependent family members.
• Cashless admission and treatment through a Health Card-based system.
• Treatment packages provided as per Ayushman Bharat and NHA-approved rates.
• Protection against high out-of-pocket medical expenses.
• Beneficiary identification and treatment approval are carried out through the Cashless Health Card system.

Additional Social Security Benefits under PNB MoU

Along with the Mukhyamantri Shikshak Cashless Chikitsa Yojana, 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.

• If a beneficiary teacher or employee dies in an accident, their family will receive personal accident insurance assistance of up to ₹1.50 crore.
• If the beneficiary dies in an air crash, their family will receive insurance assistance of up to ₹3 crore.
• Hospital Cash Benefit of up to ₹60,000 during hospitalisation.
• Term Life Insurance coverage of up to ₹12 lakh.

Eligibility Requirements

Eligibility for the Mukhyamantri Shikshak Cashless Chikitsa Yojana is notified separately by each of the three education departments. Find your department below to check whether your post is covered, as this also decides which portal you must apply on. Dependent family members of every eligible beneficiary are covered as per the prescribed rules.

Ineligibility Criteria

• Persons already covered under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY).
• Persons already covered under Mukhyamantri Jan Arogya Abhiyan.
• Beneficiaries covered under any other government-funded health insurance scheme.

Required Documents

Applicants need to keep the following documents and details ready before filling the online application form for the Mukhyamantri Shikshak Cashless Chikitsa Yojana Health Card. The same document list applies on all three departmental portals.

• Aadhaar Card of the beneficiary.
• Employee ID or service-related details.
• Mobile number linked with Aadhaar.
• Photograph of the beneficiary and dependents.
• Disability Certificate (If any)
• Family details for dependent members.
• Any additional documents required by the Basic Education Department or SACHIS.

Note: The exact document requirements may vary depending on the beneficiary category and verification requirements prescribed by the authorities.

Steps to Apply

Eligible teachers and education staff can apply online only for the Mukhyamantri Shikshak Cashless Chikitsa Yojana Health Card. There is no offline application mode. Each education department has its own portal and its own approving authority, so follow the process laid down for the department you work under.

How to Apply: Basic and Secondary Education Departments

Teachers of Basic Education Council schools, Shiksha Mitras, instructors, Kasturba Gandhi Balika Vidyalaya staff, PM Poshan cooks and secondary school teachers and staff all follow the same application steps. Only the portal address differs, so open the one that belongs to your department.

• Open the official portal of your department in your browser.
  • Mukhyamantri Shikshak Cashless Chikitsa Yojana Basic Education Portal
  • Mukhyamantri Shikshak Cashless Chikitsa Yojana Secondary Education Porta
• On the homepage, click on the "Apply for Shikshak Cashless Chikitsa Card Yojana" option. 
  
• Enter your registered mobile number and the captcha code displayed on the screen. 
  
• Click on the Proceed option and enter the OTP received on your registered mobile number.
• After OTP verification, the application form will open on the screen.
• Fill in all the required details, including office details, personal information, and Aadhaar-related details.
• Review the information entered and fill in the captcha code.
• Click on the "Save and Next" button.
• A preview of the application form will appear on the screen.
• If you wish to add dependent family members, select "Yes" and provide the required details of the dependents.
• Carefully review all the information entered in the application form.
• If any information is incorrect, you can log in to your respective account and make the necessary corrections to the application.
• After confirming that all details are correct, submit the application form for verification.
• The application will be reviewed by the concerned authorities.
• Upon successful verification, the Cashless Health Card will be generated and made available for download.

Apply for Higher Education Department

Teachers and education staff working under the Higher Education Department follow a two-stage approval process, as their applications are verified by their college before going to the university.

• Visit hcmtcts.upsdc.gov.in and log in using your Aadhaar-linked mobile number and the OTP received on it.
• Enter your teacher details in the application form and save it.
• Review the application displayed on the screen, and click "Edit Application" to make changes if anything is incorrect.
• Select "Yes" for Add Dependents and click "Save & Next", or select "No" if you have no dependents.
• Add the details of each dependent, including photograph and Aadhaar, clicking "Save & Next" after each one.
• Review all the details and click "Submit Application".
• Click "Print Application" or download the PDF copy of your submitted application.
• Your application goes to the college Principal for verification and approval.
• The application then goes to the University Registrar for verification and approval.
• On approval, you receive an SMS confirming that the University Registrar has approved your application and asking you to complete e-KYC and download your card.

If Your Higher Education Application Is Rejected

The University Registrar can return an application instead of approving it. If this happens, the application is sent back to you with remarks explaining the problem.

1. Click "Edit Application" on the portal.
2. Make the changes asked for in the Registrar's remarks.
3. Save and re-submit the application for verification.

Note for secondary school teachers: The process flow document currently available on the Secondary Education portal is the Basic Education version, which names the Basic Education portal address and BEO/BSA approval. Apply on mcmtcts.upsdc.gov.in and follow the instructions shown on that portal itself, rather than the portal address printed in that document.

How to Check Application Status?

Applicants who have applied for the Mukhyamantri Shikshak Cashless Chikitsa Yojana Health Card can check their application status online through the official portal. Follow the steps below:

• Visit your department's portal
  • cmtcts.upsdc.gov.in for Basic Education,
  • mcmtcts.upsdc.gov.in for Secondary Education, or
  • hcmtcts.upsdc.gov.in for Higher Education.
• On the homepage, click on the "Check Status" option.
  
• Enter your Aadhaar number in the specified field. 
  
• Fill in the security code (captcha) displayed on the screen.
• Click on the submit button.
• Your application details and current application status will be displayed on the screen.
• If the application has been approved, you can proceed to download the Cashless Health Card online.

Download Mukhyamantri Shikshak Cashless Chikitsa Yojana Health Card

Applicants whose applications have been approved can download their Mukhyamantri Shikshak Cashless Chikitsa Yojana Health Card online. However, before downloading the Health Card, beneficiaries must complete their e-KYC. The Health Card can only be downloaded after successful e-KYC verification. Follow the steps below:

• Visit the official Mukhyamantri Shikshak Cashless Chikitsa Yojana website of your department portal.
• On the homepage, click on the "Complete e-KYC and Download Your Card" option, if available.
  
• You will be redirected to the Ayushman Bharat (PMJAY) beneficiary portal.
• Log in using your registered mobile number and complete OTP verification.
• Complete the online e-KYC process, by sharing relevant details.
• During the e-KYC process, select Mukhyamantri Shikshak Cashless Chikitsa Yojana as the Sub Scheme under PMJAY.
• Complete Aadhaar authentication and finish the e-KYC verification process.
• After the e-KYC is successfully completed, log in to the portal again using your registered mobile number.
• Locate your name in the beneficiary list and click the "Download Card" option available in front of your name.
• Download and save your Health Card in PDF format. You can also keep a printed copy for use at empanelled hospitals.

Relevant Links

• Mukhyamantri Shikshak Cashless Chikitsa Yojana Notification.
• Mukhyamantri Shikshak Cashless Chikitsa Yojana Empanelled Hospitals List

Basic Education Department

• Uttar Pradesh Mukhyamantri Shikshak Cashless Chikitsa Yojana Card Application (Basic Education Teachers and Staff)
• Mukhyamantri Shikshak Cashless Chikitsa Yojana Application Status for Basic Education
• Edit Details in Mukhyamantri Shikshak Cashless Chikitsa Yojana Basic Teacher Application
• Add/Edit Dependents in Mukhyamantri Shikshak Cashless Chikitsa Yojana Basic Application
• Print Mukhyamantri Shikshak Cashless Chikitsa Yojana Application
• Download Mukhyamantri Shikshak Cashless Chikitsa Yojana State Health Card
• Official portal of Mukhyamantri Shikshak Cashless Chikitsa Yojana

Madhyamik Education Department

• Mukhyamantri Shikshak Cashless Chikitsa Yojana Card Application (Madhyamik Shiksha Vibhag)
• UP Mukhyamantri Shikshak Cashless Chikitsa Yojana Application Status for Madhyamik Shiksha Vibhag
• Edit Details in Mukhyamantri Shikshak Cashless Chikitsa Yojana Madhyamik Application
• Add/Edit Dependents in Mukhyamantri Shikshak Cashless Chikitsa Yojana Madhyamik Form
• Print Mukhyamantri Shikshak Cashless Chikitsa Yojana Madhyamik Application
• Mukhyamantri Shikshak Cashless Chikitsa Yojana Madhyamik Shiksha Portal
• Official portal of Mukhyamantri Shikshak Cashless Chikitsa Yojana for Madhyamik Education

Higher Education Department

• Mukhyamantri Shikshak Cashless Chikitsa Yojana Card Application (Higher Education)
• UP Mukhyamantri Shikshak Cashless Chikitsa Yojana Application Status for Higher Education
• Edit Details in Mukhyamantri Shikshak Cashless Chikitsa Yojana Higher Education Application
• Add/Edit Dependents in Mukhyamantri Shikshak Cashless Chikitsa Yojana Higher Education Form
• Print Mukhyamantri Shikshak Cashless Chikitsa Yojana Higher Education Application
• Mukhyamantri Shikshak Cashless Chikitsa Yojana Higher Education Portal
• Mukhyamantri Shikshak Cashless Chikitsa Notification for Higher Education
• Official portal of Mukhyamantri Shikshak Cashless Chikitsa Yojana for Higher Education

Contact Information

• Mukhyamantri Shikshak Cashless Chikitsa Yojana Helpline Number
  • 1800-1800-4444
  • 14555
• Mukhyamantri Shikshak Cashless Chikitsa Yojana Email Helpdesk: [email protected]
• Chief Executive Officer,
  Ayushman Bharat (SACHIS),
  4th Floor, Navchetna Kendra,
  10, Ashok Marg, Hazratganj,
  Lucknow, Uttar Pradesh - 226001.