🪪 1. AYUSHMAN BHARAT PM-JAY SEHAT SCHEME
📖 About the Scheme
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) SEHAT is a health assurance scheme implemented by the Government of Jammu & Kashmir to provide eligible residents with financial protection against major medical and hospitalisation expenses.
The SEHAT component was launched on 26 December 2020 to extend health insurance coverage to residents of J&K.
💰 Main Benefits
- 🏥 Cashless hospital treatment up to ₹5,00,000 per eligible family per year.
- 👨👩👧👦 Coverage for eligible family members without a family-size or age limit under the J&K SEHAT component.
- 💊 Coverage for eligible medical procedures, surgeries, medicines and diagnostic services included in approved treatment packages.
- 🩺 Pre-existing diseases are covered from day one, subject to the scheme's applicable conditions.
- 🏨 Treatment at empanelled government and private hospitals.
- 🚑 National portability, allowing eligible beneficiaries to access covered treatment outside J&K at participating hospitals.
- 🛏️ Eligible pre-hospitalisation and post-hospitalisation expenses are covered as specified under the applicable package rules.
✅ Eligibility & 📄 Documents
Eligibility:
- Residents of Jammu & Kashmir covered under the SEHAT programme.
- Beneficiaries must complete the required identity verification and card-generation process.
- Treatment must be covered under the scheme and provided through an eligible empanelled hospital.
Documents Generally Required:
- Aadhaar Card or another accepted identity document.
- Proof of residence, if requested.
- Mobile number for verification, where required.
- Other documents requested during beneficiary verification.
🖥️ How to Get the Golden Card
- Visit the official J&K Ayushman Bharat website or Beneficiary portal.
- Open the beneficiary or Ayushman Card service.
- Check the beneficiary record and complete the required verification.
- Provide the accepted identity document.
- Complete the e-KYC process.
- Download or obtain the card after successful generation.
Eligible residents can also visit an authorised Ayushman card-generation centre or an Ayushman Mitra desk at a participating hospital.
👴 2. AYUSHMAN VAY VANDANA CARD — SENIOR CITIZENS AGED 70+
📖 About the Scheme
Ayushman Vay Vandana is the senior-citizen health coverage extension under Ayushman Bharat PM-JAY. It provides eligible senior citizens aged 70 years or above with health coverage irrespective of their income or economic status.
💰 Main Benefits
- 💳 Health coverage of up to ₹5,00,000 per year, subject to applicable scheme rules.
- 👴 Available to eligible senior citizens aged 70 years or above, irrespective of income.
- 🏥 Cashless treatment for covered hospitalisation packages at empanelled hospitals.
- 👨👩👧👦 Senior citizens in an already covered PM-JAY family receive an additional top-up cover of up to ₹5 lakh per year for themselves, separate from the cover shared with younger family members.
- 🩺 Eligible senior citizens in other families receive coverage under the applicable family-level rules.
📄 Documents & 🖥️ How to Apply
Documents Required: Aadhaar Card, proof of age (if required), mobile number for verification, and any additional identity info requested.
How to Apply:
- Visit beneficiary.nha.gov.in
- Select the appropriate senior-citizen beneficiary option.
- Complete the required Aadhaar-based verification and e-KYC.
- Obtain the Ayushman Vay Vandana Card after successful verification.
🏥 3. AYUSHMAN BHARAT PM-JAY — NATIONAL SCHEME
📖 About the Scheme & Benefits
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana is a national health assurance scheme for eligible beneficiary families. In J&K, the national PM-JAY component operates alongside the SEHAT programme.
- Health cover of up to ₹5 lakh per eligible family per year.
- Cashless secondary and tertiary hospitalisation at empanelled public and private hospitals.
- Coverage of eligible surgeries, medical procedures and pre-existing conditions from day one.
- National portability for treatment at participating hospitals.
✅ Eligibility & How to Check
Eligibility under the national PM-JAY component depends on the applicable beneficiary database, approved beneficiary categories and relevant government expansions. The SEHAT component has separate universal-resident coverage rules for J&K.
- Open the Beneficiary Portal.
- Select the appropriate beneficiary search option and enter details.
- Complete identity verification if required and follow instructions for card generation.
🤰 4. Maternity Schemes (JSY & JSSK)
🤱 JANANI SURAKSHA YOJANA (JSY)
Janani Suraksha Yojana encourages institutional deliveries to reduce maternal and newborn deaths. J&K is classified as a low-performing state under the national JSY framework.
Benefits: Cash assistance for eligible mothers delivering at approved health institutions. Support through ASHA workers for antenatal care.
| Area | Mother's Assistance |
|---|---|
| Rural | ₹1,400 |
| Urban | ₹1,000 |
*Published national rates. Confirm current local implementation with the health facility.
Documents: Antenatal registration/Mother & Child Protection Card, Aadhaar, Bank account details, Delivery record.
How to Apply: Contact the ASHA worker, ANM, nearest PHC or the hospital where the delivery takes place.
🍼 JANANI SHISHU SURAKSHA KARYAKRAM (JSSK)
JSSK provides free healthcare entitlements to pregnant women delivering at public health institutions and to sick newborns and infants up to one year of age.
Benefits for Pregnant Women:
- Free normal delivery and Caesarean section.
- Free medicines, consumables, eligible diagnostic tests, and blood when required.
- Free diet during the permitted hospital stay.
- Free transport (home to facility, between facilities, and drop-back).
- Exemption from applicable user charges.
Benefits for Sick Infants: Free eligible treatment, medicines, diagnostics, blood, and transport.
How to Access: Visit the nearest government health facility or contact the ASHA worker or ANM. JSSK is a service entitlement, not a separate card application.
🤱 5. Mother & Child Care (PMMVY & PMSMA)
🤰 PRADHAN MANTRI MATRU VANDANA YOJANA (PMMVY)
PMMVY is a maternity benefit programme intended to provide financial support to eligible pregnant and lactating women, subject to eligibility conditions.
💰 Benefits:
- 💵 ₹5,000 for an eligible first living child, subject to prescribed conditions and instalments.
- 👧 ₹6,000 for an eligible second living child if the child is a girl, subject to scheme rules.
Assistance is conditional on meeting applicable registration, health-check-up and birth-related requirements. Not every pregnant woman automatically qualifies.
Documents: Aadhaar Card, Bank/Post office account details, Pregnancy registration/Mother and Child Protection Card, Birth registration records for instalments.
How to Apply: Contact the nearest Anganwadi Centre or designated health facility.
🩺 PRADHAN MANTRI SURAKSHIT MATRITVA ABHIYAN (PMSMA)
PMSMA provides assured antenatal check-ups to pregnant women, particularly during the second and third trimesters, at designated public health facilities (generally organised on the 9th day of each month).
- Antenatal examination by a medical officer or specialist.
- Relevant investigations and diagnostic services as prescribed.
- Identification of high-risk pregnancies, counselling, and referral.
How to Access: Visit the designated PHC, CHC, Sub-District Hospital or District Hospital and ask about the PMSMA clinic schedule.
👶 6. Child Health & Immunisation
🧒 RASHTRIYA BAL SWASTHYA KARYAKRAM (RBSK)
RBSK is a child-health screening and early-intervention programme covering children from birth to 18 years of age. It focuses on the four Ds:
- 🧬 Defects at birth
- 🦠 Diseases
- 🥗 Deficiencies
- 🧠 Developmental delays, including disability
Benefits: Screening through health teams, early identification, referral to District Early Intervention Centres, and free treatment/intervention (including certain surgeries).
How to Access: Contact the local health team, school health programme, PHC or District Early Intervention Centre.
💉 UNIVERSAL IMMUNISATION PROGRAMME (UIP)
Provides recommended government-scheduled vaccines to eligible children and pregnant women to protect against vaccine-preventable diseases.
- Vaccination for eligible infants and children.
- Tetanus/diphtheria-containing vaccination and other vaccines for pregnant women.
- Routine immunisation sessions at government health facilities and designated outreach centres.
How to Access: Visit the nearest government health facility, ANM or immunisation session with the Child's immunisation / Mother and Child Protection card.
🫁 7. Dialysis & TB Elimination Programmes
🩻 PRADHAN MANTRI NATIONAL DIALYSIS PROGRAMME (PMNDP)
Operates under the National Health Mission to improve access to dialysis for patients with kidney failure. J&K has functional dialysis centres under this programme.
- Dialysis services through participating public hospitals and designated centres.
- Free dialysis for eligible poor/BPL patients under applicable provisions.
- Other eligible patients may receive services at government-supported rates.
How to Access: Visit a government hospital with dialysis facilities (Nephrology/Medicine department) with Doctor's prescription, kidney function reports, and identity/BPL proof.
🦠 NATIONAL TUBERCULOSIS ELIMINATION PROGRAMME (NTEP)
Aims to detect, treat and prevent TB through government facilities and participating private providers.
- TB screening, diagnosis, and treatment through the public health system.
- Anti-TB medicines and diagnostic services.
- Ni-kshay Poshan Yojana: Nutritional support (₹1,000 per month national rate) for eligible notified TB patients.
How to Access: Visit a government health facility or designated TB centre and ask the TB Health Visitor for registration in the Ni-kshay system.
💊 8. NCDs & Free Public Health Services
🩺 PREVENTION & CONTROL OF NON-COMMUNICABLE DISEASES (NP-NCD)
Supports screening, early diagnosis, treatment and follow-up for conditions such as diabetes, hypertension and certain cancers.
- Screening for eligible adults at designated public health facilities.
- Blood-pressure and blood-glucose checks.
- Screening for specified common cancers.
- Treatment, counselling and referral through government facilities.
How to Access: Visit the nearest Ayushman Arogya Mandir, PHC, CHC or government hospital and ask about NCD screening.
🏥 FREE MEDICINES, DIAGNOSTICS & PUBLIC HEALTH SERVICES
Government health facilities in J&K provide a range of free or subsidised healthcare services. Services depend on the facility, available medicines, diagnostic capacity and government instructions.
- Essential medicines available under the facility's approved drug list.
- Diagnostic tests available under the facility's programme.
- OPD consultation, inpatient services, maternal/child care, and immunisation.
Important: The availability of a particular medicine, test or procedure is facility-dependent. Patients should confirm availability directly with the hospital.
📱 9. Digital Health & Primary Care
🪪 AYUSHMAN BHARAT DIGITAL MISSION (ABDM) — ABHA ACCOUNT
ABHA (Ayushman Bharat Health Account) is a digital health identity that helps you store and share health records securely. It is NOT a health insurance card and does not guarantee free treatment on its own.
- Creation of a digital health identity.
- Ability to link and access supported digital health records.
- Easier digital interaction with participating healthcare providers.
How to Apply: Use the official ABHA website and complete identity verification using Aadhaar.
🧑⚕️ AYUSHMAN AROGYA MANDIR
Ayushman Arogya Mandirs provide comprehensive primary healthcare services closer to communities, including rural areas.
- Basic consultation and treatment.
- Pregnancy and child-health services & Immunisation.
- Screening for diabetes and hypertension.
- Essential medicines available at the facility.
- Health promotion, counselling, and referral to higher facilities.
☎️ 10. Important Helplines & Information
🔗 Official Websites & Contacts
- 🏥 J&K Ayushman Bharat PM-JAY/SEHAT: jkpmjaysehat.co.in
- 📞 J&K State Health Agency: 0191-2478585 / 0194-2950923
- 🪪 Ayushman Beneficiary Portal: beneficiary.nha.gov.in
- 🏨 Empanelled Hospital Search: hem.nha.gov.in
- 🩺 National Health Mission: nhm.gov.in
- 🫁 Ni-kshay TB Portal: nikshay.in
- 🩻 National Dialysis Programme: pmndp.mohfw.gov.in/en
- 🤱 PM Matru Vandana Yojana: pmmvy.wcd.gov.in
⚠️ Important Information for Applicants
- Health insurance, cash assistance and free public health services are different types of benefits.
- Ayushman Golden Card/SEHAT treatment is cashless only for eligible, approved treatment packages at participating hospitals.
- A health card does not mean that every OPD consultation, medicine or treatment at every private hospital is automatically free.
- Maternity cash benefits have specific eligibility and documentation conditions.
- Dialysis, child-health and TB programmes are accessed through designated healthcare providers.
- Documents listed are general preparation checklists. The exact requirements may vary by scheme, beneficiary and current instructions.
- Always verify current eligibility, application availability and benefit amounts on the official portal or with the designated government health facility before submitting an application.