J&K SEHAT Health Insurance Scheme
About this health 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.
Coverage at a glance
| 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 | 7 September 2026 |
| Official Portal | https://www.jkhealth.org/SehatScheme.html |