Pandit Dindayal Upadhyay Rajya Karmchari Cashless Chikitsa Yojana

Updated on December 27, 2025

I have covered many health welfare programs for state government employees over the last decade. This scheme stands out because it addresses a need I saw again and again during field visits and discussions with public servants: access to reliable medical care without upfront payment. This article explains what the scheme offers, who qualifies, how to apply, how to use the benefits, and answers common concerns from beneficiaries.

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Overview of the Scheme

The Pandit Dindayal Upadhyay Rajya Karmchari Cashless Chikitsa Yojana is a health support program launched by the Government of Uttar Pradesh in 2022. It aims to provide cashless medical treatment to serving state government employees, retired employees (pensioners), and their dependents. Under the scheme, beneficiaries receive a State Health Card that allows them to access medical care without paying at the time of treatment.

The scheme operates through government facilities and listed private hospitals under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY). In private hospitals that are part of the empanelment, treatment coverage is up to ₹5 lakh per family per year. In government medical facilities, there is no financial ceiling for cashless treatment.

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Why It Matters

Before this program, many government employees and pensioners often faced delays or financial burden when dealing with significant medical expenses. I heard from many households where the cost of treatment forced families to borrow money or postpone care. When the scheme was rolled out, it changed that reality for many families by reducing financial strain and ensuring timely access to health services.

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Key Benefits of the Scheme

This section outlines the main advantages beneficiaries receive.

1. Cashless Treatment Facility

• You do not need to pay at the time of treatment and seek reimbursement later.
• In government hospitals and medical colleges, there is no cost limit for treatment.
• In private hospitals, treatment costs are covered up to ₹5 lakh per beneficiary family per year.

2. Coverage for Dependents

• Spouse and children of serving and retired employees are eligible.
• Family pension beneficiaries are also included if they meet eligibility conditions.

3. Use of State Health Card

• The State Health Card issued under the scheme serves as proof of entitlement.
• You can present the card at any government hospital or a listed private hospital to receive cashless services.

4. No Additional Fee for Beneficiaries

• There are no application charges or processing fees for eligible beneficiaries.
• The card must be used directly at the hospital counter for verification and treatment approval.

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Who Is Eligible?

Understanding eligibility is important before you apply. From conversations with officials and employees who have already used the scheme, these are the conditions:

• Serving government employees of Uttar Pradesh
• Retired government employees (pensioners)
• Dependents of serving and retired employees, including spouse and children
• Family pension beneficiaries also qualify under this scheme

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Required Documents

To apply for the State Health Card and access scheme benefits, you will need the following:

• Aadhaar card of the applicant
• Aadhaar cards of dependents
• Linked mobile number (for OTP verification)
• Passport-size photographs of the applicant and dependents (20 KB)
• Birth certificate of children (where applicable)
• Disability certificate for dependents (if relevant)

Make sure documents are up to date and precisely scanned because inaccuracies can delay card issuance.

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How to Apply for a State Health Card?

I observed in administrative offices how confusion over the application stops many employees from claiming benefits. The simplified steps below reflect the current online process:

1. Visit the Official Scheme Portal
Go to the UP Directorate of Medical & Health Services portal, where the scheme application is hosted.

2. Select ‘State Health Card’ Application
Enter your Aadhaar-linked mobile number and complete OTP verification.

3. Fill in Personal and Family Details
Provide information for all dependents you intend to include under your card.

4. Upload Documents and Submit
Attach the scanned copies of the required documents. Double-check before submission.

5. Track Application Status
After submission, the local official reviews your application. You will receive updates via SMS on your registered mobile.

6. Download Health Card
Once approved, you can download and print your State Health Card from the portal.

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Using the Benefits for Treatment

Once you have the State Health Card, the process at a hospital is straightforward. Present it at the hospital’s cashless treatment counter. Hospital staff verify your identity with the card. After verification, treatment is authorised without upfront payment. In private listed hospitals, the claim will be settled up to ₹5 lakh per year per family. Government hospitals do not impose a cap.

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Latest Update (2025)

In November 2025, a two-day training program was conducted by the Public Works Department in Lucknow. Officials and department computer operators were trained to support employees in applying for the scheme, filling forms accurately, completing e-KYC, and aiding card generation. This reflects the government’s effort to increase awareness and streamline implementation across departments.

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Common Questions and Answers

Is the scheme only for hospitalised care?
Yes. The cashless benefit applies when a beneficiary is admitted for treatment and formal claims are raised through the hospital.

Can I get treatment outside Uttar Pradesh?
Coverage depends on whether the hospital is listed under Ayushman Bharat or the state scheme network. Typically, services are used within Uttar Pradesh unless special arrangements exist.

What happens if my card is not issued?
Check your mobile SMS status messages. Contact the helpline if delays exceed a reasonable processing period.

Is the card transferable to other family members?
No. Each card is linked to a specific employee or pensioner family. Dependents must be included during the application.

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Key Takeaways

• The scheme ensures cashless hospital treatment for government employees, pensioners, and families.
• It covers government hospitals without limit and private hospitals up to ₹5 lakh per year.
• Beneficiaries must apply online for a State Health Card to access benefits.
• Recent training in 2025 aims to improve scheme outreach and application support.

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