{"id":1872,"date":"2026-11-06T10:36:59","date_gmt":"2026-11-06T10:36:59","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1872"},"modified":"2026-11-06T10:36:59","modified_gmt":"2026-11-06T10:36:59","slug":"blog-health-insurance-ab-pmjay-sehat-jammu-kashmir","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-ab-pmjay-sehat-jammu-kashmir\/","title":{"rendered":"What is the AB PM-JAY SEHAT Scheme in Jammu and Kashmir?"},"content":{"rendered":"\n\n\n\n\n
QUICK GIST<\/b><\/th>\n<\/tr>\n<\/thead>\n
AB PM-JAY SEHAT (Social Endeavour for Health and Telemedicine) is Jammu and Kashmir’s universal health scheme, launched by the Prime Minister on 26 December 2020. It extends Ayushman Bharat PM-JAY to every resident of J&K, adding roughly 15 lakh families to those already covered. Each family gets \u20b95 lakh of cashless cover per year on a floater basis, with no restriction on family size, age or gender. Unlike most state schemes, it includes J&K government employees, pensioners and their families. Pre-existing conditions are covered from day one, along with 3 days of pre-hospitalisation and 15 days of post-hospitalisation expenses. Benefits are portable, so the Golden Card works at PM-JAY empanelled hospitals across India. You need Aadhaar and proof of J&K residency to get your card.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

SEHAT in Jammu and Kashmir: One Golden Card, Every Resident, \u20b95 Lakh of Cover Anywhere in India<\/b><\/h2>\n

A scheme that left nobody out<\/b><\/h3>\n

When Ayushman Bharat first came to Jammu and Kashmir, it covered about 6 lakh families. That left most of the UT outside the net.<\/span><\/p>\n

In December 2020, J&K changed that with SEHAT. Every resident, rich or poor, government employee or shopkeeper, became eligible for the same \u20b95 lakh cover. J&K became one of the first regions in India to aim for universal coverage this way.<\/span><\/p>\n

And because SEHAT runs on the PM-JAY network, your Golden Card isn’t stuck in the valley. It works at empanelled hospitals across the country.<\/span><\/p>\n

Here’s what that means for your family.<\/span><\/p>\n\n\n\n
Parents in Anantnag, you in Delhi, and a Golden Card nobody can find?<\/b> Let’s sort it. <\/span>Book a call with us<\/span><\/a> and we’ll help you plan the family’s cover. Easier than getting a seat on the Jammu-Srinagar flight in peak season.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

What SEHAT gives you<\/b><\/h3>\n