UP Launches ₹5 Lakh Cashless Health Scheme for 12 Lakh Teachers and Education Staff

The Uttar Pradesh government has launched the Mukhyamantri Shikshak Cashless Chikitsa Suvidha Yojana, a healthcare initiative that will provide cashless medical treatment of up to ₹5 lakh per family to nearly 12 lakh teachers and education department personnel across the state.

Launched by Chief Minister Yogi Adityanath, the scheme aims to strengthen healthcare security for teachers, Shiksha Mitras, instructors, cooks and other eligible education staff, along with their dependent family members.

Who Will Benefit from the Scheme?

The scheme is expected to benefit approximately 12 lakh people associated with the Education Department, including:

• Government school teachers
• Shiksha Mitras
• Instructors
• Mid-day meal cooks
• Other eligible education department employees
• Eligible dependent family members

Only employees whose names are registered in official departmental records will be eligible for the benefits.

₹5 Lakh Cashless Medical Coverage

Under the scheme, each eligible family will receive cashless health insurance coverage of up to ₹5 lakh annually.

Beneficiaries can avail treatment at empanelled government and private hospitals without making upfront payments for eligible medical expenses.

The state government said the initiative is intended to reduce the financial burden of healthcare and ensure timely treatment.

Government to Pay Entire Insurance Premium

One of the key features of the scheme is that beneficiaries will not have to pay any premium.

The Uttar Pradesh government will bear the entire annual premium of ₹3,000 per beneficiary, making the health insurance completely free for eligible employees.

Cashless Medical Card to Be Issued

Eligible beneficiaries will receive a Cashless Medical Card, which will facilitate:

• Hospital verification
• Cashless admission
• Hassle-free treatment
• Simplified insurance claim processing

The card is expected to streamline access to healthcare services across the empanelled hospital network.

What Medical Services Are Covered?

The health insurance scheme includes coverage for a wide range of medical services, including:

• Hospitalisation
• Surgical procedures
• Emergency treatment
• Diagnostic tests
• ICU care
• Specialist consultations
• Medicines covered under the scheme

According to the government, certain outpatient (OPD) services may also be covered, subject to the scheme's guidelines.

Aim of the Initiative

The Uttar Pradesh government said the programme is designed to improve healthcare access and financial security for teachers and education workers.

Officials believe the scheme will ensure that education personnel and their families receive quality medical treatment without worrying about rising healthcare costs.

Key Highlights

• Uttar Pradesh launched the Mukhyamantri Shikshak Cashless Chikitsa Suvidha Yojana.
• Around 12 lakh teachers and education staff will benefit.
• The scheme provides cashless treatment up to ₹5 lakh per family.
• The state government will pay the entire annual premium of ₹3,000 per beneficiary.
• Beneficiaries will receive a Cashless Medical Card for treatment at empanelled hospitals.

FAQs

What is the Mukhyamantri Shikshak Cashless Chikitsa Suvidha Yojana?

It is a healthcare scheme launched by the Uttar Pradesh government that provides cashless medical treatment of up to ₹5 lakh per family for eligible education department personnel.

Who is eligible for the scheme?

Government teachers, Shiksha Mitras, instructors, cooks, other eligible education department staff and their eligible dependent family members.

How much health insurance coverage does the scheme provide?

The scheme offers cashless medical coverage of up to ₹5 lakh per family.

Do beneficiaries need to pay the insurance premium?

No. The Uttar Pradesh government will bear the full annual premium of ₹3,000 per beneficiary.

What treatments are covered?

The scheme covers hospitalisation, surgeries, emergency care, diagnostic tests, ICU treatment, specialist consultations and medicines. Certain OPD services may also be included as per the scheme guidelines.