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JK PM-JAY SEHAT Scheme 2026: ₹5 Lakh Golden Card & Apply Online

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Health & Insurance
Researched by Abhijit ChowdhuryPublished: Last verified:

Quick Summary

ParameterSpecification
Scheme NameAyushman Bharat Pradhan Mantri Jan Arogya Yojana SEHAT (PM-JAY SEHAT)
Union TerritoryJammu and Kashmir
Operating BodyState Health Agency (SHA), Health & Medical Education Department, J&K
Healthcare EntitlementUniversal cashless health insurance of ₹5,00,000 per family per year
Population Coverage100% of all resident households across all 20 districts of Jammu & Kashmir
Nature of Clinical TreatmentInpatient secondary and tertiary hospital treatments and surgical procedures
Hospital NetworkGovernment district hospitals, premier medical institutes, and accredited private hospitals
Covered InterventionsOver 1,600 specialized surgical and medical treatment packages
Primary Beneficiary IdentificationJ&K Domicile Certificate, Ration Card, and Aadhaar card
Official Web Portalhttps://www.jkpmjaysehat.co.in
Integrated National Portalhttps://beneficiary.nha.gov.in
State Health Toll-Free1800-233-5554
Central Medical Helpline14555

Universal Healthcare Vision in Jammu and Kashmir

The Ayushman Bharat PM-JAY SEHAT program represents one of the most comprehensive public healthcare undertakings in India, extending universal health coverage to every permanent resident family in Jammu and Kashmir. While the national Ayushman Bharat framework covers only low-income families identified through historical census surveys, J&K expanded this umbrella to encompass the entire population, including middle-income households, farmers, shopkeepers, and local artisans.The initiative provides up to ₹5,00,000 in annual cashless inpatient treatment per family on a floater basis. Operating across premier public medical institutes such as SKIMS Soura, Government Medical College Srinagar, and GMC Jammu, as well as empanelled private hospitals, SEHAT shields families from severe medical debt caused by surgical procedures, emergency cardiac care, and chronic cancer therapies.

Universal Eligibility and Inclusive Criteria

Unlike conventional targeted safety nets, the eligibility requirements under SEHAT are simple and universal:

  • The applicant must be a permanent resident or domicile holder of Jammu and Kashmir.
  • All resident families holding a valid ration card issued by the Department of Food, Civil Supplies & Consumer Affairs qualify automatically.
  • There are no income restrictions, occupational ceilings, or family size limitations.
  • Every household member whose name is linked to the family ration card and verified through Aadhaar is entitled to an individual Golden Card.

Exclusions and Non-Entitled Cases

  • Individuals who cannot demonstrate permanent residence or domicile within Jammu and Kashmir.
  • Central government personnel and defense employees who are already covered under dedicated Central Government Health Scheme (CGHS) facilities.

Required Documentation Checklist

Residents should have the following documents ready for card generation:

  • Aadhaar Card of each family member requiring a health card.
  • Valid J&K Ration Card (NFSA or Non-NFSA category).
  • J&K Domicile Certificate issued by the competent Tehsildar (in cases where family ration card verification requires supplementary residency confirmation).
  • Active mobile phone number for receiving Aadhaar verification OTPs.

Step-by-Step Golden Card Generation Guide

Eligible residents can generate and download their SEHAT Golden Card through digital portals or local assistance centers:

  1. Access the national beneficiary portal at beneficiary.nha.gov.in or visit the state desk at jkpmjaysehat.co.in.
  2. Select Beneficiary Login and enter your 10-digit mobile number to receive an authentication OTP.
  3. Select your state as Jammu and Kashmir, select your district, and choose your search parameter (Family ID / Ration Card Number or Aadhaar Number).
  4. The system retrieves all registered family members linked to that household identifier.
  5. Click e-KYC beside each family member's name and complete biometric verification using Aadhaar OTP or facial recognition.
  6. Once e-KYC status displays as Approved, click Download Card to save the high-resolution digital Golden Card containing your unique ABHA address.
  7. Residents can also visit any local Khidmat Centre, Common Service Center (CSC), or hospital Ayushman Help Desk to receive assisted card printing.

Hospital Admission and Cashless Treatment Workflow

Patients can access medical care across participating health facilities through this workflow:

  1. Report to any empanelled public hospital or private nursing home and visit the dedicated Pradhan Mantri Arogya Mitra counter in the main lobby.
  2. Present your SEHAT Golden Card or registered Aadhaar card.
  3. The Arogya Mitra validates your card on the National Health Authority Transaction Management System and registers your electronic admission.
  4. The attending medical specialist formulates the treatment plan and files an electronic pre-authorization request for the necessary package, such as orthopedic surgery or gallbladder removal.
  5. Upon digital clearance by the State Health Agency, all medical procedures, surgical theater fees, blood diagnostics, and ICU room charges are settled directly by the government.
  6. The patient is discharged without paying out-of-pocket hospital fees, receiving prescribed recovery medications for up to five days at zero cost.

Comprehensive Specialized Care and Portability Outside J&K

SEHAT provides extensive clinical protections for major chronic conditions and out-of-state referrals:

Nationwide Cashless Portability

One of the most practical benefits of the SEHAT Golden Card is national portability. If a patient requires specialized tertiary surgeries that are unavailable locally, the card is accepted across thousands of empanelled premier institutions across India, including top hospital networks in Punjab, Chandigarh, New Delhi, and Mumbai.

Chronic Kidney Disease and Oncology Clearances

Patients requiring regular hemodialysis or cyclical chemotherapy receive pre-authorized composite package approvals. Instead of submitting weekly pre-authorization requests, the treating hospital secures long-term authorization, ensuring patients attend scheduled clinical sessions without administrative delays.

Official Links and Contact Details

Service OfficeAccess URL / Helpline
State Health Agency J&K Official Portalhttps://www.jkpmjaysehat.co.in
National Health Authority Beneficiary Portalhttps://beneficiary.nha.gov.in
J&K Health & Medical Education Departmenthttps://hme.jk.gov.in
J&K Official UT Portalhttps://jk.gov.in
State Health Agency Help Desk1800-233-5554
National Health Authority Toll-Free14555

Frequently Asked Questions