The Jammu & Kashmir SEHAT Scheme 2025, also known as Social Endeavour for Health and Telemedicine, is a flagship initiative aimed at providing universal health insurance to all residents of the Union Territory. Launched by Prime Minister Narendra Modi on 26 December 2020, the scheme ensures that every family in J&K, regardless of economic background, can access free and quality healthcare services at empaneled hospitals across the country. This scheme initiative complements the Ayushman Bharat–Pradhan Mantri Jan Arogya Yojana – AB-PMJAY that is covering families that were previously excluded from the national health insurance database. With the combined effort of the central and UT governments, the SEHAT Yojana aims to make healthcare both accessible and affordable for all residents of Jammu and Kashmir.
🩺 About J&K SEHAT Scheme 2025
The J&K SEHAT Scheme 2025 stands for Social Endeavour for Health and Telemedicine. It is designed to extend free health insurance coverage of up to ₹5 lakh per family per year, enabling beneficiaries to avail cashless treatment at government and private hospitals empaneled under the scheme.
The central government has taken special care to ensure smooth rollout and quick card distribution, so that no eligible household is left out. A review meeting led by senior officials from Delhi was held to monitor the implementation of this massive health program across districts of Jammu and Kashmir.
| Key Feature | Description |
|---|---|
| Scheme Name | J&K SEHAT Scheme 2025 |
| Full Form | Social Endeavour for Health and Telemedicine |
| Launch Date | 26 of December 2020 |
| Launched By | Prime Minister Narendra Modi |
| Implemented In | Jammu & Kashmir |
| Beneficiaries | All J&K residents including non-SECC families |
| Benefit | ₹5 lakh free health insurance per family per year |
| Mode of Registration | Through CSCs (Common Service Centres) |
👨⚕️ Who Can Apply for the SEHAT Scheme?
Every resident of Jammu & Kashmir, holding a valid domicile certificate, is eligible for registration under the SEHAT Yojana.
- Families that were missing from the SECC-2011 (Socio-Economic Caste Census) data.
- Kashmiri migrants residing within or outside the UT.
- Individuals not covered under Ayushman Bharat PM-JAY earlier.
A special committee has been formed to complete the missing family database to ensure 100% coverage of all residents.
🧾 How to Apply Online for J&K SEHAT Scheme 2025
Citizens can register and obtain their SEHAT Health Cards through Common Service Centres (CSCs) spread across Jammu and Kashmir.
Visit your nearest CSC (Common Service Centre).
Provide your Aadhaar Card and J&K Domicile Certificate.
CSC operator will verify your details and complete your online registration on the official Ayushman Bharat portal.
Once registered, your SEHAT Health Card will be generated.
Download or collect the physical card from the CSC after approval.
The Chief Medical Officers (CMOs) in each district have been instructed to ensure no family is left out during this registration drive. CSC operators have been mobilized across the UT to reach even the most remote areas.
🏥 Implementation and Coverage
Nearly 1 crore people in Jammu & Kashmir who were previously uncovered under Ayushman Bharat are now included in the SEHAT Health Scheme. The abrogation of Article 370 allowed the central government to extend national health benefits to all J&K residents, ensuring equal healthcare rights for every citizen.
The Union Ministry of Health and Family Welfare is monitoring the rollout to ensure card distribution, hospital empanelment, and claim settlements occur seamlessly. The financial commissioner, Atal Dulloo, has directed all hospitals to register Indoor Patient Department (IPD) cases under SEHAT, including COVID-19 patients, to maximize the scheme’s reach.
💳 Benefits of the SEHAT Health Card
Beneficiaries of the SEHAT Scheme enjoy a wide range of benefits under this cashless health insurance system, similar to Ayushman Bharat:
| Benefit Type | Details |
|---|---|
| Free Treatment | Up to ₹5 lakh per family per year |
| Coverage | Secondary & tertiary hospitalization |
| Hospital Type | Both public and private empaneled hospitals |
| Cashless Facility | Available at any AB-PMJAY/SEHAT hospital in India |
| Family Coverage | All family members under one card |
| Portability | Benefits usable across India |
This ensures that even residents from remote areas of Jammu and Kashmir can access quality medical care without worrying about expenses.
🏥 Integration with Ayushman Bharat PM-JAY
The Ayushman Bharat – PM Jan Arogya Yojana (PM-JAY) is already operational across India, and with SEHAT, J&K residents now receive equal access to health protection.
The financial commissioner has instructed:
- All IPD cases must be registered under SEHAT Yojana.
- Arogya Mitras at hospitals should assist citizens in availing benefits.
- The J&K Medical Supplies Corporation Limited must ensure adequate medicine supply at hospitals to avoid shortages.
These combined efforts make SEHAT one of the largest inclusive healthcare programs in Jammu and Kashmir’s history.
📅 Important Dates for J&K SEHAT Scheme 2025
| Event | Date |
|---|---|
| Scheme Launched | 26 December 2020 |
| Online Registration Start | Ongoing |
| Card Distribution | Active in all districts |
🔗 Important Links
| Description | Link |
|---|---|
| Apply Online | Visit Nearest CSC |
| Official Website | https://www.pmjay.gov.in/ |
