What do you get under SEHAT ₹5 lakh?
Free health insurance of up to ₹5 lakh per family per year (floater) for cashless treatment in empanelled hospitals, for all residents of J&K, including families not covered by the central PM-JAY list.
The district pages were written at launch (2020 to 2021). The cover amount and process may have been updated since, so confirm at an empanelled hospital or CSC.
Who is eligible for SEHAT ₹5 lakh?
- All residents of the Union Territory of Jammu and Kashmir, whatever their income.
- Families already in the central Ayushman Bharat PM-JAY list are covered there; SEHAT extends the same cover to the remaining (about 15 lakh) families, paid by the UT.
Also check:
- You need an Ayushman (golden) card under SEHAT to get cashless treatment.
Documents needed for SEHAT ₹5 lakh
0 of 4 ready
Offices may ask for more. Check the official list before you go.
How to apply for SEHAT ₹5 lakh
- Go to a SEHAT-empanelled hospital or a Common Service Centre (CSC) and ask for the SEHAT card.
- Give your details and attach the required documents (Aadhaar and ration card or family details). After verification the card is issued.
- You can also check whether your family has an Ayushman card on the National Health Authority beneficiary portal.
How to check SEHAT ₹5 lakh status
- Check your Ayushman card status on beneficiary.nha.gov.in using your Aadhaar or mobile number, or ask the Ayushman Mitra at an empanelled hospital.
Never share an OTP with a caller or a message. Official portals end in .gov.in.
Common questions
Who is eligible for SEHAT ₹5 lakh?
All residents of the Union Territory of Jammu and Kashmir, whatever their income. Families already in the central Ayushman Bharat PM-JAY list are covered there; SEHAT extends the same cover to the remaining (about 15 lakh) families, paid by the UT.
How much do I get under SEHAT ₹5 lakh?
Free health insurance of up to ₹5 lakh per family per year (floater) for cashless treatment in empanelled hospitals, for all residents of J&K, including families not covered by the central PM-JAY list. The district pages were written at launch (2020 to 2021). The cover amount and process may have been updated since, so confirm at an empanelled hospital or CSC.
What documents do I need for SEHAT ₹5 lakh?
Aadhaar card (linked to your mobile number); Ration card; Domicile or residence certificate of the state; Mobile number for OTP.
How do I apply for SEHAT ₹5 lakh?
Go to a SEHAT-empanelled hospital or a Common Service Centre (CSC) and ask for the SEHAT card. Give your details and attach the required documents (Aadhaar and ration card or family details). After verification the card is issued. You can also check whether your family has an Ayushman card on the National Health Authority beneficiary portal. Official site: https://beneficiary.nha.gov.in/
How do I check SEHAT ₹5 lakh status?
Check your Ayushman card status on beneficiary.nha.gov.in using your Aadhaar or mobile number, or ask the Ayushman Mitra at an empanelled hospital.
Do I have to pay anyone to apply for SEHAT ₹5 lakh?
No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.
Who is covered under the SEHAT scheme in J&K?
All residents of Jammu and Kashmir. Families not in the central PM-JAY list get the same ₹5 lakh cover under SEHAT, paid by the UT.
How do I get a SEHAT golden card?
At a SEHAT-empanelled hospital or a Common Service Centre. Fill the form, attach documents, and the card is issued after verification.
Is SEHAT the same as Ayushman Bharat?
SEHAT gives the same benefits as AB-PMJAY, extended to every resident of J&K.
Official sources
- District Shopian, Govt of J&K: Ayushman Bharat PM-JAY SEHAT scheme
- District Reasi, Govt of J&K: PMJAY SEHAT scheme
- Ayushman card beneficiary portal, National Health Authority
Last checked 1 November 2026; next review by 30 April 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.