CMO PulwamaAB PM-JAY & SEHATOne complete guide to the PM-JAY Golden Card, J&K SEHAT card and Ayushman Vay Vandana card — including eligibility, documents, enrolment, download and cashless use.
Residents of Jammu & Kashmir may be covered under PM-JAY, under the Union Territory’s SEHAT extension, or under the Vay Vandana programme for senior citizens. All three are honoured at the same empanelled hospitals.
Pradhan Mantri Jan Arogya Yojana
The flagship national health protection scheme, providing ₹5 lakh per family per year for secondary and tertiary care hospitalisation anywhere in India.
State Health Assurance Scheme, Jammu & Kashmir
An extension of PM-JAY that provides universal health coverage to all residents of the Union Territory, irrespective of inclusion in the SECC 2011 database.
Health cover for senior citizens aged 70 and above
A national programme under Ayushman Bharat giving free treatment benefits of up to ₹5 lakh per year to senior citizens aged 70 and above at empanelled hospitals across India.
| Scheme | Card issued | Who is covered | Cover | Where to apply |
|---|---|---|---|---|
| Ayushman Bharat PM-JAY | Golden Card | Families listed in SECC 2011 | ₹5 lakh per family, per year | NHA beneficiary portal, or any Arogya Mitra desk |
| AB PM-JAY SEHAT | SEHAT / NAFSA Card | All residents of Jammu & Kashmir | ₹5 lakh per family, per year | State Health Agency J&K portal |
| Ayushman Vay Vandana | Vay Vandana Card | Senior citizens aged 70 and above | ₹5 lakh per year | Ayushman app, or the NHA portal |
Ayushman Vay Vandana is a national programme for citizens aged 70 and above. It is separate from the State-level SEHAT card, which may carry different eligibility conditions. If you are unsure which applies to you, call 104.
Card generation is free at every stage. An operator will never ask you for a fee, and you do not need a middleman.
Go to your nearest Arogya Mitra desk, Common Service Centre or empanelled hospital help desk in Pulwama.
Share your Family ID, ration card number or the mobile number registered against your family record.
The operator verifies your record against the beneficiary database and captures the beneficiary photograph.
Your digital Golden Card is generated and can be downloaded immediately. No fee is payable at any stage.
Zero cost. Both the card and covered treatment are free. Report any demand for money on 104.
Eligibility is determined by the National Health Authority from the beneficiary database. Use any of the channels below for a verified answer, and do not share your Aadhaar or card details with unofficial websites or agents.
Search by mobile number, Aadhaar, ration card or Family ID, and download your card once verified.
Open beneficiary portalCall the district helpline on 104, or the National Health Authority helpline on 14555, for assistance in checking your record.
Call 104Visit District Hospital Pulwama, SDH Tral or your nearest empanelled hospital with your ration card and Aadhaar.
See hospital listThis portal does not decide eligibility and does not store the details you enter on the National Health Authority portal. For help with a rejected or missing record, contact the district scheme office on 104 or write to the District Program Coordinator listed under Contact.
If reading is difficult, watch instead. The film below explains the Ayushman Vay Vandana card, and the links go to the official video libraries of the National Health Authority, the Health Ministry and the World Health Organization.
Video hosted on YouTube. Playing it loads content from youtube.com.
The questions most often put to the district scheme office. If your question is not answered here, the helpline is staffed round the clock.
Ayushman Bharat PM-JAY is the world's largest health assurance scheme. It provides cover of ₹5 lakh per family per year for secondary and tertiary care hospitalisation at empanelled hospitals.
Check on the National Health Authority beneficiary portal at beneficiary.nha.gov.in, call the helpline on 14555 or 104, or visit an Arogya Mitra desk with your ration card and Aadhaar.
Carry your Aadhaar card, ration card or Family ID, and any government-issued photo identity document. The operator verifies your details against the beneficiary database.
No. The Golden Card is issued free of cost, and treatment at empanelled hospitals for covered procedures is cashless. If anyone demands payment, lodge a grievance through CGRMS or call 104.
Yes. The card is portable across India. You can receive treatment at any empanelled hospital in any State or Union Territory.
The Golden Card is issued under PM-JAY to families listed in the SECC 2011 database. The SEHAT card extends the same ₹5 lakh cover to all residents of Jammu & Kashmir under the AB PM-JAY SEHAT scheme.
Contact the Arogya Mitra desk at the hospital first. If the matter is not resolved, call 104 or the district scheme office, or lodge a formal complaint on the CGRMS grievance portal.