The Jammu and Kashmir SEHAT Scheme is a health insurance initiative aimed at providing comprehensive medical coverage to all residents of the Union Territory. Launched in December 2020, the scheme ensures that individuals and families have access to quality healthcare services without financial burden.

J&K SEHAT Scheme 2025

• Universal Coverage: Offers health insurance to all residents of Jammu and Kashmir.
• Financial Protection: Provides a health cover of ₹5 lakh per family per year on a floater basis.
• Cashless Treatment: Enables free and cashless treatment at both public and private empanelled hospitals nationwide.
• No Family Size Limit: No restrictions on family size or age; all members are included.
• Extensive Hospital Network: Access to over 23,000 empanelled hospitals across the country.
• Simplified Application Process: Easy registration through Common Service Centers (CSCs) or designated hospitals.
• Official Website: www.jkpmjaysehat.co.in

Eligibility Criteria 📝

To benefit from the SEHAT Scheme, applicants must meet the following conditions:

• Residency: Must be a permanent resident of Jammu and Kashmir.
• Documentation: Possession of valid identification documents such as Aadhaar card and ration card.

Benefits of the SEHAT Scheme 🎁

The scheme offers several advantages to its beneficiaries:

• Comprehensive Health Coverage: Each family receives an annual health cover of ₹5 lakh on a floater basis, meaning any family member can utilize the amount as needed.
• Nationwide Access: Beneficiaries can avail of cashless treatment at any of the empanelled hospitals across India, ensuring flexibility and convenience.
• Inclusive Policy: There are no caps on family size or age, ensuring that every family member, regardless of age, is covered.
• Wide Range of Treatments: Covers various medical procedures, including cardiology, nephrology, oncology, and more, ensuring comprehensive healthcare support.

Application Process 🖊️

Applying for the SEHAT Scheme is straightforward:

1. Visit a Designated Center: Go to a registered hospital under the SEHAT Health Scheme or a nearby Common Service Center (CSC).
2. Obtain the Application Form: Request the SEHAT Scheme application form from the center.
3. Fill in the Details: Accurately complete the form with all required information.
4. Attach Necessary Documents: Include copies of essential documents like Aadhaar card and ration card.
5. Submit the Form: Return the completed form and attachments to the center.
6. Receive the SEHAT Card: Upon verification, you will be issued a SEHAT health card, which you should carry to avail of cashless treatments.

Frequently Asked Questions (FAQs) ❓

1. Who is eligible for the SEHAT Scheme?

All permanent residents of Jammu and Kashmir are eligible for the SEHAT Scheme, regardless of their socio-economic status.

2. How can I apply for the SEHAT Scheme?

You can apply by visiting a registered hospital under the SEHAT Health Scheme or a Common Service Center (CSC) in your area. Obtain the application form, fill it out with the necessary details, attach the required documents, and submit it at the center.

3. What documents are required for the application?

The primary documents required are your Aadhaar card and ration card. Ensure you have these documents when applying for the scheme.

The SEHAT Scheme is a significant step towards ensuring that the residents of Jammu and Kashmir have access to essential healthcare services without the worry of financial constraints. By understanding the eligibility criteria, benefits, and application process, residents can effectively utilize this scheme to safeguard their health and well-being.