The J&K SEHAT Scheme 2025 is an important health insurance initiative that is designed to grant every resident of the Union Territory of Jammu and Kashmir access to affordable and cashless medical care. This scheme was formally titled Social Endeavour for Health and Telemedicine (SEHAT) and was originally launched on 26 of December 2020 by Prime Minister Narendra Modi to expand the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) benefits to millions more people all over India. The main mission of the scheme is to make quality healthcare accessible and financially risk-free for all families, irrespective of their economic background or previous inclusion in official census data. With an annual health insurance cover of up to rs 5 lakh per family on a floater basis beneficiaries can seek treatment at empanelled public and private hospitals throughout India without paying upfront for critical procedures, diagnostics or hospitalisation costs.
Who Is Eligible to Enrol in the SEHAT Scheme?
The J&K SEHAT Scheme 2025 covers a wide spectrum of residents, ensuring broad inclusion and health protection:
- Every permanent resident of Jammu & Kashmir regardless of age, gender, income level or family size are eligible.
- Individuals who were previously not included in the Socio-Economic Caste Census (SECC-2011) database and therefore missed out on earlier health insurance coverage.
- All households now eligible under the extended AB-PMJAY SEHAT framework which is including families that lacked formal documentation in national insurance records.
There is no upper or lower age limit, and all family members can be covered under a single SEHAT health card. Beneficiaries simply need to possess valid proof of domicile and identity to enrol.
How to Apply for the SEHAT Health Card
- Visit the nearest Common Service Centre (CSC) or an empanelled hospital registered under the SEHAT/AB-PMJAY network.
- Submit essential documents including your Aadhaar Card, J&K domicile certificate, and any other identity proofs requested by the CSC operator.
- The CSC operator will verify your details and complete the online registration through the official Ayushman Bharat portal.
- Once registration is approved, a SEHAT Health Card is generated digitally. You may download it or collect the physical card from the CSC.
- Ensure that you keep the SEHAT card safe, as it will be required whenever you seek cashless treatment at an empanelled hospital anywhere in India.
Many districts in Jammu and Kashmir are actively driving the enrolment process to ensure no eligible household is left out. Medical officers and local CSC operators are mobilised even in remote areas to support the registration drive.
Health Insurance Coverage & Benefits You Receive
Under the J&K SEHAT Scheme 2025, beneficiaries receive comprehensive insurance coverage that includes:
Health Coverage Overview
| Feature | Details |
|---|---|
| Maximum Insurance Cover | Rs 5 lakh per family per year (floater) |
| Cashless Facility | Available at public and private empanelled hospitals nationwide |
| Treatment Types Covered | Secondary and tertiary care, including surgeries, hospitalisation, diagnostics, medicines |
| Hospital Network | Empanelled hospitals across India including Jammu & Kashmir |
| Pre & Post Hospitalisation | Includes pre-hospitalisation diagnostics + up to 15 days post-care |
| Family Size | No restriction on the number of members covered |
This scheme ensures that even residents from remote districts can seek quality treatment without worrying about heavy medical expenses, making it an essential pillar of health security for the UT’s population.
SEHAT Hospital Access & Portability
Under the integrated AB-PMJAY SEHAT network and beneficiaries can access treatment at thousands of hospitals across India that are part of the empanelled list. This national portability means a SEHAT card works not only within Jammu and Kashmir but also in other states where empanelled hospitals operate. Patients can receive cashless treatment at both public and private institutions under the scheme. Recent reports indicate that the scheme has treated several hundred thousand patients for various critical conditions, including chronic diseases like cancer, cardiac ailments, and kidney complications, demonstrating the real-world impact of cashless healthcare services.
Important Documents Needed for Registration
To complete the SEHAT registration, beneficiaries should carry:
- Aadhaar Card
- J&K Domicile Certificate
- Any additional identity documents requested by the CSC centre
These documents are essential for establishing eligibility and verifying identity during the enrolment process.
Common Questions About the SEHAT Scheme
Q1: What is the maximum health insurance cover under J&K SEHAT Scheme 2025?
A1: The scheme offers ₹5 lakh cashless health insurance per family per year for covered treatments across empanelled hospitals.
Q2: Can the SEHAT health card be used outside Jammu and Kashmir?
A2: Yes, the health card is valid nationwide at all hospitals empanelled under the AB-PMJAY/SEHAT network, providing nationwide cashless treatment access.
Q3: Is there any age limit for beneficiaries under this scheme?
A3: No — the SEHAT scheme has no age or family size restrictions, covering all permanent residents of J&K.
Important Links
| Description | Link |
|---|---|
| Official Notification | https://www.jkpmjaysehat.co.in/abpmjay.php |
| Apply Online | https://www.jkpmjaysehat.co.in/abpmjay.php |
| Official Website | https://www.jkpmjaysehat.co.in |
