स्वास्थ्य बीमा✓ 100% सरकारी समर्थितJammu and Kashmirसत्यापित: 2026-09-18 (180-दिवसीय SLA)
Jammu & Kashmir AB-PMJAY SEHAT Universal Health Scheme
State-notified public health assurance program providing cashless medical treatment across Jammu And Kashmir.
बीमा सुरक्षा कवरेज₹5 Lakh Universal Family Cover
प्रीमियम दर100% Free / Subsidized by State
दावा निपटान अनुपात (CSR)98.2% (Direct Cashless)
आरंभ वर्ष2019
🛡️मुख्य लाभ एवं सुरक्षा विवरण (Key Benefits)
Universal health insurance for all residents of J&K UT including government employees and general citizens with zero premium.
📋पात्रता की शर्तें (Eligibility Rules)
All permanent residents and domicile holders of Jammu & Kashmir UT.
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, State Ration Card / Jan Aadhaar / Parivar Pehchan Patra, Domicile certificate, Mobile number.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Caveats & Policy Exclusions)
Private hospitals outside J&K require pre-authorization except in acute emergencies.
🚀आवेदन एवं दावा प्रक्रिया (How to Apply & Claim)
1. Verify family eligibility on state food security or health portal. 2. Obtain state health smart card or link Aadhaar at local CSC. 3. Present card at empanelled hospital network helpdesk during admission.