Pandit Deendayal Upadhyay Rajya Karmchari Cashless Chikitsa Yojana

What is the Pandit Deendayal Upadhyay Rajya Karmchari Cashless Chikitsa Yojana?

Pandit Deendayal Upadhyay Rajya Karmchari Cashless Chikitsa Yojana is the Uttar Pradesh government's cashless medical treatment scheme for its own employees and pensioners. The Medical and Health Department of the Government of Uttar Pradesh owns the scheme, and the State Agency for Comprehensive Health and Integrated Services (SACHIS) implements it. Readers who search for it in transliterated Hindi as "Rajya Karmchari Cashless Chikitsa Yojana" or simply as the UP "State Health Card" scheme are looking at the same programme.

The scheme replaces the older pattern where a state employee paid a hospital bill from their own pocket and then filed a medical reimbursement claim that took months to settle. Under the cashless route, an eligible beneficiary shows a State Health Card at an empanelled hospital and the hospital bills the state agency directly.

According to the official portal at sects.up.gov.in, the scheme is built on three things: a defined beneficiary group taken from the Uttar Pradesh Government Servant (Medical Attendance) Rules, 2011, a mandatory State Health Card, and a hospital network that combines government hospitals with private hospitals already empanelled under Ayushman Bharat in the state.

How much treatment does the scheme cover?

The cover is split by the type of hospital.

• Empanelled private hospitals; up to Rs 5 lakh per family per year. This is a family floater limit, not a per-person limit, so the whole family named on the card draws from the same Rs 5 lakh in a year.
• Government hospitals — the portal states that cashless treatment is available without any financial limit in government medical colleges, government institutions and other government hospitals.

That difference matters when a family is facing a long or expensive course of treatment. A treatment that would exhaust the Rs 5 lakh private ceiling may be available in a government medical college with no ceiling at all, so it is worth asking about the government-hospital option before admission rather than after the private limit has been used up.

Who is eligible, and who is not eligible?

You are covered if:

• You are a serving Uttar Pradesh state government employee who falls within the definition of "Government Servant" used by the scheme.
• You are a retired Uttar Pradesh state government employee drawing a state pension.
• You are a dependent of either of the above, as recorded on the State Health Card application.

The portal is explicit that the definition of "Government Servant" is the one given in the government order and guidelines issued for the scheme, read with the Uttar Pradesh Government Servant (Medical Attendance) Rules, 2011 as amended. If there is any doubt about whether a particular post or a particular relative counts, that government order is the document to check, not a general assumption.

You are not eligible if:

• You are not a Uttar Pradesh state government employee or pensioner and are not a dependent of one. Central government employees, for example, are covered by CGHS and not by this scheme.
• You are a family member who has not been added as a dependent on the State Health Card application. Eligibility on paper is not enough; the person must appear on the card.
• You have not obtained a State Health Card at all. The portal states the card is mandatory for cashless services.

How to apply for the State Health Card

1. Open the official portal at sects.up.gov.in.
2. Select Apply for State Health Card from the portal menu.
3. Register as an employee or as a pensioner, whichever applies to you, and fill in your service or pension details.
4. Add or edit your dependent information so that every family member who should be covered appears on the application.
5. Submit the application for approval. A serving employee's application goes to their Drawing and Disbursing Officer (DDO); a pensioner's application goes to the Treasury Officer (TO).
6. Once the DDO or TO approves it, the State Health Card is issued and can be used at empanelled hospitals.

There is no offline paper route advertised on the portal. An employee who cannot complete the online steps personally should route the request through their office's DDO, who handles these applications for the whole establishment.

How do you use the card at a hospital?

Check the empanelled hospital list published on the portal before choosing a private hospital. A private hospital that is not empanelled cannot bill the scheme, and treatment taken there does not become cashless afterwards. At the hospital, present the State Health Card along with your Aadhaar at the help desk; the hospital verifies the beneficiary and raises the claim with the state agency rather than with you.

Why applications and claims commonly fail

• The application is still waiting for DDO or Treasury Officer approval. This is the most common reason a card has not arrived. Ask your DDO to check their login rather than re-applying.
• A dependent was never added. A spouse, parent or child who is not on the card cannot be treated on it. Dependents are added and edited on the portal before submission.
• The hospital is not empanelled. Cashless billing only works at government hospitals and at private hospitals empanelled under the scheme.
• The private-hospital limit is exhausted. Once a family has used Rs 5 lakh in a year at private hospitals, further private treatment that year is not cashless, although the government-hospital route remains open.

Where do you go for help?

The official portal sects.up.gov.in carries the scheme's FAQs, the government order and guidelines, the empanelled hospital list and the process documentation, and it is the authoritative source for any figure in this guide. SACHIS is the implementing agency for grievances about hospital empanelment and claim handling. For an application that is stuck, the first point of contact is your own DDO if you are serving, or your Treasury Officer if you are a pensioner, because the approval sits with them.

Applying for the State Health Card is free. No agent or intermediary can charge you a fee to have your name or a dependent's name added to the card.

How to check your application status

The scheme has no separate SMS or helpline-based tracking system published on its portal, so the application itself is where status lives, not a separate lookup tool.

1. Go to sects.up.gov.in and log in with the same employee or pensioner credentials used to apply.
2. Open the application you submitted for the State Health Card. The portal shows whether it is still sitting with the approving officer or has been approved and the card issued.
3. If the status has stayed unchanged for an extended period, the application is most likely pending in the approving officer's login rather than lost. A serving employee should ask their Drawing and Disbursing Officer (DDO) to check pending approvals; a pensioner should ask their Treasury Officer (TO) for the same.
4. Once the DDO or TO approves the application, the portal status changes to approved and the State Health Card becomes usable at empanelled hospitals and government hospitals.

There is no independent call centre number published for this scheme, so raising the query with the DDO or TO who holds the approval is the fastest way to move a stalled application, since escalating to SACHIS or the Medical and Health Department without first checking at that level usually only sends the query back to the same officer.