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Ayushman Bharat PM-JAY SEHAT: J&K

  • 28 Dec 2020
  • 3 min read

Why in News

Recently the Prime Minister has launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) Social Endeavour for Health and Telemedicine (SEHAT) scheme via video-conferencing to extend health insurance coverage to all residents of Jammu and Kashmir (J&K).

Key Points

  • AB-PMJAY SEHAT Scheme:
    • The Scheme provides free of cost insurance cover. It provides financial cover upto Rs. 5 lakh per family on a floater basis to all residents of the UT of J&K.
      • Floater basis, means that it can be used by one or all members of the family. The whole family is insured under one plan.
    • The scheme would work in convergence with Pradhan Mantri Jan Arogya Yojana (PMJAY).
  • Benefits:
    • Full coverage to residents of J&K:
      • At present, about 6 lakh families of the UT are getting the benefit of the Ayushman Bharat Scheme. After the health plan, all 21 lakh families will get the same benefit.
    • Portability of treatment:
      • Treatment will not be limited to government and private hospitals in Jammu and Kashmir only. Rather, various hospitals are connected under this scheme in the country.
      • The hospitals empanelled under PM-AY scheme shall provide services under this scheme as well.
    • Universal Health Coverage:
      • The scheme will ensure Universal Health Coverage and focus on providing financial risk protection and ensuring quality and affordable essential health services to all individuals and communities.
        • Universal Health Coverage (UHC) includes the full spectrum of essential, quality health services, from health promotion to prevention, treatment, rehabilitation, and palliative care.
        • UHC enables everyone to access the services, protecting people from the financial consequences of paying for health services out of their own pockets and reducing the risk that people will be pushed to poverty.
  • Ayushman Bharat PMJAY Yojana:
    • The PMJAY, world’s largest health insurance/assurance scheme fully financed by the government, provides a cover of Rs. 5,00,000 per family per year for secondary and tertiary care hospitalisation across public and private empanelled hospitals in India.
    • Pre-hospitalisation and Post-hospitalisation expenses such as diagnostics and medicines are also included in the scheme.


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