CMO PulwamaAB PM-JAY & SEHATSee exactly what each programme gives you, who can claim it and where to apply — from hospital cover to free primary care, generic medicines, teleconsultation and digital health records.
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.
Ayushman Bharat is one of several free health entitlements. Below is what each programme actually gives you, who it is for, and the official portal to apply on.
National Health Authority
₹5 lakh cashless hospital cover per family, per year.
Who is eligible: Families identified in the SECC 2011 deprivation criteria
Official portalState Health Agency, Jammu & Kashmir
The same ₹5 lakh cover, extended to every resident of J&K.
Who is eligible: All residents of the Union Territory of Jammu & Kashmir
Official portalNational Health Authority
₹5 lakh a year of free treatment for senior citizens aged 70+.
Who is eligible: Citizens aged 70 years and above
Official portalMinistry of Health & Family Welfare
Free primary care, essential medicines and diagnostics near home.
Who is eligible: Open to everyone, with no card required
Official portalDepartment of Pharmaceuticals
Quality generic medicines at a fraction of branded prices.
Who is eligible: Any patient buying medicines
Official portalMinistry of Health & Family Welfare
Free teleconsultation with a doctor, from home or a health centre.
Who is eligible: Any citizen with a phone or internet connection
Official portalNational Health Authority, ABDM
A free 14-digit health ID that keeps your records in one place.
Who is eligible: Any citizen — separate from the PM-JAY Golden Card
Official portalCentral TB Division, MoHFW
Free TB diagnosis, free medicines and monthly nutrition support.
Who is eligible: Any person with TB symptoms or a confirmed diagnosis
Official portalMinistry of Health & Family Welfare
Free maternal, newborn and child health services.
Who is eligible: Pregnant women, newborns, children and adolescents
Official portalScheme rules, package rates and support amounts are revised from time to time by the Government of India. Always confirm the current position on the official portal linked in each card, or call the district office on 104.