{"id":1848,"date":"2026-11-05T17:33:34","date_gmt":"2026-11-05T17:33:34","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1848"},"modified":"2026-11-13T11:46:39","modified_gmt":"2026-11-13T11:46:39","slug":"blog-health-insurance-up-state-health-card-employees-cashless-scheme","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-up-state-health-card-employees-cashless-scheme\/","title":{"rendered":"What is the Pandit Deendayal Upadhyay Rajya Karmchari Cashless Chikitsa Yojana in Uttar Pradesh?"},"content":{"rendered":"\n\n\n\n\n
QUICK GIST<\/b><\/th>\n<\/tr>\n<\/thead>\n
The Pandit Deendayal Upadhyay Rajya Karmchari Cashless Chikitsa Yojana is Uttar Pradesh’s cashless health scheme for state government employees, pensioners and their dependent family members. It was launched on 21 July 2022. Beneficiaries get a State Health Card that allows cashless treatment at eligible government hospitals, and up to \u20b95 lakh per year at empanelled private hospitals. The scheme is run with SACHIS, the agency that manages Ayushman Bharat in UP, so private hospitals in the Ayushman Bharat network are part of it. You apply online at sects.up.gov.in, where your application is approved by your DDO or treasury officer, after which you complete Aadhaar eKYC and download the card. Teachers covered by the state’s separate teachers’ cashless scheme apply there instead. The helpline is 1800 1800 4444.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

The UP State Health Card, Explained: Cashless Care for Government Employees, Pensioners and Their Families<\/b><\/h2>\n

A health scheme that starts with your service book<\/b><\/h3>\n

Most blogs in this series are about schemes for families on ration lists or income limits. Uttar Pradesh’s entry is different. It’s built for the people who run the state: clerks, engineers, police staff and the lakhs of pensioners who once did those jobs.<\/span><\/p>\n

For years, government employees in many states paid hospital bills first and waited for reimbursement later. UP changed that in July 2022 with a cashless State Health Card. At launch, the state said around 22 lakh serving and retired employees, and about 75 lakh people including families, would benefit.<\/span><\/p>\n

If you or a parent is a UP government employee or pensioner, this card can save you from arranging cash at the hospital counter. Here’s how it works.<\/span><\/p>\n\n\n\n
Retired from the UP government and still filing reimbursement claims in triplicate?<\/b> There’s an easier way, and we can walk you through it. <\/span>Book a call with us.<\/span><\/a> No file noting, no “come back on Monday”.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

What the State Health Card covers<\/b><\/h3>\n

The scheme gives eligible employees, pensioners and dependants a digital State Health Card for cashless hospital treatment.<\/span><\/p>\n