J&K SEHAT Health Insurance Scheme — Quick Overview
| Scheme Name | J&K SEHAT Health Insurance Scheme 2026 — ₹5 Lakh Free Health Cover for All Families | pmjay.gov.in/jksehat |
| State | Jammu & Kashmir (जम्मू और कश्मीर) |
| Launched By | Government of Jammu & Kashmir |
| Launch Year | 2020 |
| Benefit | ₹5 lakh per family per year free cashless treatment — ALL J&K domicile families (no income limit) — 24,000+ empanelled hospitals across India |
| Category | Health |
| Beneficiaries | 30 lakh+ J&K families — entire UT population covered |
| Last Verified | 2 May 2026 |
| Official Portal | https://sehat.jk.gov.in |
What is J&K SEHAT Health Insurance Scheme?
J&K SEHAT (Social, Economic and Educational Transformation through Health) is Jammu & Kashmir's universal health insurance scheme launched in December 2020 by PM Narendra Modi. It extends Ayushman Bharat PM-JAY coverage to ALL J&K residents — not just BPL families — providing cashless treatment up to ₹5 lakh per family per year at empanelled hospitals. J&K is the first and only state/UT in India to universalise PM-JAY. Over 30 lakh families (entire J&K population) are covered. The scheme works at all AB-PMJAY empanelled hospitals across India. Golden Card (SEHAT card) is issued to every J&K domicile holder.
Under this scheme, eligible beneficiaries receive ₹5 lakh per family per year free cashless treatment — ALL J&K domicile families (no income limit) — 24,000+ empanelled hospitals across India. The scheme was launched in 2020 and is implemented by the Government of Jammu & Kashmir.
J&K SEHAT — Jammu & Kashmir ਦੇ ਸਾਰੇ ਪਰਿਵਾਰਾਂ ਲਈ ₹5 ਲੱਖ/ਸਾਲ free cashless health insurance. PM Modi December 2020 launch. ਭਾਰਤ ਵਿੱਚ universal PM-JAY ਦੇਣ ਵਾਲਾ ਇੱਕੋ-ਇੱਕ UT. 30 ਲੱਖ+ ਪਰਿਵਾਰ covered. Golden Card ਸਾਰਿਆਂ ਲਈ.
₹5 ਲੱਖ/ਸਾਲ cashless — J&K ਦੇ ਸਾਰੇ ਪਰਿਵਾਰ — ਕੋਈ income limit ਨਹੀਂ — 24,000+ hospitals
جموں و کشمیر سیہت (SEHAT) اسکیم — J&K کے تمام خاندانوں کو ₹5 لاکھ فی سال مفت علاج۔ کوئی آمدنی حد نہیں۔ پورا J&K covered۔ گولڈن کارڈ ہر خاندان کو۔ 24,000+ empanelled hospitals بھر ہند۔
📌 फायदा: ₹5 لاکھ/سال cashless علاج — J&K تمام خاندان — کوئی income limit نہیں
पात्रता:
J&K domicile certificate۔ کوئی آمدنی حد نہیں۔ تمام J&K باشندے eligible۔
अर्ज कसा करावा:
sehat.jk.gov.in → Golden Card → Domicile cert + Aadhaar → CSC پر apply → Golden Card لیں → hospital TPA desk پر دیں۔
Benefits of J&K SEHAT Health Insurance Scheme
✅ ₹5 lakh per family per year free cashless treatment — ALL J&K domicile families (no income limit) — 24,000+ empanelled hospitals across India
₹5 ਲੱਖ/ਸਾਲ cashless — J&K ਦੇ ਸਾਰੇ ਪਰਿਵਾਰ — ਕੋਈ income limit ਨਹੀਂ — 24,000+ hospitals
Who is Eligible for J&K SEHAT Health Insurance Scheme?
- ✓ ALL Jammu & Kashmir domicile holders — no income limit
- ✓ J&K domicile certificate required (issued under J&K Reorganisation Act 2019)
- ✓ Family: husband, wife, dependent children (no cap on number)
- ✓ Available at 24,000+ AB-PMJAY empanelled hospitals across India
- ✓ Golden Card (SEHAT Card) issued to every eligible family
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Documents Required for J&K SEHAT Health Insurance Scheme
How to Apply for J&K SEHAT Health Insurance Scheme Online?
- 1sehat.jk.gov.in پر جائیں یا قریبی CSC (Common Service Centre) پر جائیں
- 2J&K Domicile Certificate + Aadhaar + ration card لے جائیں
- 3SEHAT Golden Card کی درخواست دیں
- 4Biometric verification کے بعد Golden Card print/digital جاری ہوگا
- 5Hospital میں admit ہونے پر Golden Card + Aadhaar TPA desk پر دیں
- 6₹5 لاکھ تک cashless علاج — کوئی ادائیگی نہیں
Official Government Portal — Jammu & Kashmir
Apply directly on the official Jammu & Kashmir government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 Apply / get Golden Card at sehat.jk.gov.in or CSCFrequently Asked Questions — J&K SEHAT Health Insurance Scheme
Common Questions About Jammu & Kashmir Government Schemes
J&K Tejaswini Scheme ke liye SHG kaise banayein?+
अपने गांव की 10–15 महिलाओं को मिलाकर एक SHG बनाएं। JKRLM के Community Resource Person (CRP) से सहायता लें। नियमित meetings करें और savings account खोलें। SHG registration JKRLM BDO Office से होगी।
جموں و کشمیر تیجسوینی اسکیم کا ₹10,000 فنڈ کب ملتا ہے؟+
SHG registration کے بعد، جب group نے کم از کم کچھ مہینے regular meetings اور savings کی ہوں، تو JKRLM BDO Office میں application دے کر ₹10,000 Revolving Fund حاصل کیا جا سکتا ہے۔
J&K Ghar Wapsi scheme mein Kashmiri migrant kaise apply karein?+
Relief & Rehabilitation Commissioner Office se migrant registration certificate lein. Phir jkhousing.gov.in ya BDO/ULB office mein PMAY application ke saath migrant certificate, domicile certificate, Aadhaar aur income proof jama karein.
جموں و کشمیر مکان اسکیم میں کتنی رقم ملتی ہے؟+
PMAY-G (دیہی) کے تحت میدانی علاقوں میں ₹1.3 لاکھ اور پہاڑی/مشکل علاقوں میں ₹1.5 لاکھ ملتے ہیں۔ J&K ریاستی حکومت اضافی top-up دیتی ہے — مجموعی رقم کے لیے jkhousing.gov.in یا BDO آفس سے تصدیق کریں۔
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More Jammu & Kashmir Government Schemes
J&K Tejaswini Scheme 2026 — ₹10,000 Revolving Fund for Rural Women SHGs | jkrural.gov.in
✅ ₹10,000 Revolving Fund per SHG + market linkage + livelihood training + government procurement linkage for rural women
J&K Housing Scheme 2026 — PM Awas + State Housing for Migrants & EWS Families | jkhousing.gov.in
✅ PMAY-G: up to ₹1.3–1.5 lakh housing grant (+ state top-up for J&K). Kashmiri migrant families and EWS get priority. Pucca house construction/repair support.