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Ayushman Bharat Card in Jammu and Kashmir and Ladakh

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The Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a flagship initiative launched to provide comprehensive healthcare coverage to economically weaker sections of society. In Jammu, Kashmir, and Ladakh, this scheme aims to provide quality healthcare to millions of residents, ensuring their access to necessary medical treatments without financial burden.

What is PMJAY (Ayushman Bharat Yojana) in Jammu, Kashmir, and Ladakh?

The Ayushman Bharat Yojana is among the world's largest healthcare schemes, targeting over 50 crore citizens in India, particularly those from economically weaker backgrounds. Launched in September 2018, PMJAY offers health insurance coverage of up to Rs.5 lakh per family per year.

The scheme covers various medical treatments, including hospitalisation, medication, diagnostics, and pre-hospitalization costs. Beneficiaries can receive cashless treatment at any empanelled hospital nationwide by presenting their PMJAY e-card.

Eligibility Criteria of PMJAY Health in Jammu and Kashmir and Ladakh

The scheme targets a broad demographic across India, focusing on the economically disadvantaged. According to data from the SECC (Socio-Economic Caste Census), eligibility is determined based on socioeconomic status. Families are identified based on income, housing conditions, and other deprivations. Eligibility can be checked using the 'Am I Eligible' feature on the official PMJAY website.

Features of PMJAY: Ayushman Bharat Yojana Scheme in Jammu and Kashmir and Ladakh


  • Offers a family floater insurance scheme with a sum insured of Rs.5 lakh per family per year.

  • It is designed for individuals who cannot afford private health insurance and covers those without access to extensive health plans.

  • Facilitates cashless healthcare at both public and private network hospitals.

  • It covers transportation costs related to pre- and post-hospitalisation.

  • Includes daycare expenses and covers all pre-existing diseases from day 1.

  • Payment for medical services is based on government-set package rates.

  • It aims to improve primary healthcare through a national network of Health and Wellness Centres, though specific numbers for Jammu, Kashmir, and Ladakh may vary.

Benefits of Ayushman Bharat Yojana in Jammu and Kashmir and Ladakh

  • Provides free treatment and healthcare services across India.
  • Covers a wide range of speciality categories, including oncology, orthopaedics, and emergency care.
  • Includes pre-hospitalisation expenses.
  • Covers multiple surgeries, with comprehensive coverage details specified for subsequent surgeries.
  • Offers chemotherapy treatment for various types of cancer.
  • Follow-up treatment is also covered under the scheme.

What is Covered Under the Ayushman Bharat Yojana Scheme in Jammu, Kashmir, Ladakh, or PMJAY?


  • Provides annual coverage of up to Rs.5 lakh per family for secondary and tertiary care.

  • Covers medical examinations, consultations, treatments, and pre-hospitalisation services.

  • Includes both non-intensive and intensive care, medications, and diagnostic tests.

  • Offers coverage for accommodation, medical implants, and food services.

  • Covers treatment-related complications and post-hospitalisation expenses for up to 15 days.

What is Not Covered Under the Ayushman Bharat Yojana Scheme in Jammu, Kashmir, Ladakh, or PMJAY?

  • Out-Patient Department (OPD) expenses.
  • Drug rehabilitation programs.
  • Cosmetic surgeries for aesthetic purposes.
  • Fertility treatments.
  • Individual diagnostic services.
  • Organ transplant procedures may be covered under specific packages, but not all transplant types or related procedures might be included.

How do you register for the PMJAY Scheme Online in Jammu, Kashmir, and Ladakh?


  • Visit the official PMJAY website.

  • Click on the ‘Am I Eligible’ tab.

  • Enter your mobile number, CAPTCHA code, and OTP.

  • Provide your state, name, ration card number, household number, or mobile number.

  • Your eligibility status will be displayed if you qualify for the Ayushman Bharat Yojana coverage.

Documents Required to Apply for Ayushman Bharat Yojana in Jammu and Kashmir and Ladakh

  • Aadhaar Card.
  • Proof of residence (Voter ID, Utility Bill, Lease Agreement).
  • Income Certificate.
  • Photo Identity Proof (Driving License, PAN Card, Passport).
  • Medical Certificate for chronic conditions.
  • Proof of domicile for non-native residents.

Check Your Name in the Ayushman Bharat Yojana Scheme List in Jammu and Kashmir and Ladakh


  • Online Method: Visit the National Health Authority's official website for Ayushman Bharat Yojana.

  • Common Service Centres (CSC): Visit the nearest CSC or an empanelled hospital.

  • Call the Helpline: Dial the PMJAY toll-free number 14555 to check your name on the beneficiary list.

If your name is listed, you can receive the Ayushman Bharat Card.


List of Critical Diseases Covered by Pradhan Mantri Jan Arogya Yojana (PMJAY) in Jammu and Kashmir and Ladakh


  • Carotid angioplasty with stent.

  • Prostate cancer treatment.

  • Skull base surgery.

  • Pulmonary valve surgery.

  • Double valve replacement surgery.

  • Anterior spine fixation.

  • Tissue expander for burn disfigurement.

How do you download your Ayushman Bharat Yojana card online in Jammu, Kashmir, and Ladakh ?

  • Visit the official website of the Ayushman Bharat Yojana.
  • Log in with your email ID and generate a password.
  • Enter your Aadhaar Card number to proceed.
  • Click on the approved beneficiary option.
  • Enter your password and PIN to access the download option for your Ayushman Bharat golden card.

Ayushman Card Download Jammu and Kashmir

For residents of Jammu and Kashmir, downloading the Ayushman Bharat Card is straightforward. Simply visit the official PMJAY website and follow the instructions to download your Ayushman Card. Ensure that you have your Aadhaar Card number and other necessary details ready. This card will facilitate cashless healthcare services across empanelled hospitals in Jammu and Kashmir, making it easier to access the benefits of the Ayushman Bharat Yojana.

Ayushman Bharat Scheme Hospitalisation Process in Jammu and Kashmir and Ladakh


The scheme offers health insurance coverage without any premium during hospitalisation. Both pre and post-hospitalisation expenses are covered. Pradhan Mantri Arogya Mitras assists patients by coordinating with hospitals. QR codes on Ayushman cards verify eligibility for scheme benefits. The scheme provides medical coverage across India and cashless hospitalisation at public and private hospitals. PMJAY Illness Coverage: List of Critical Diseases Covered Under PM Jan Arogya Yojana in Jammu and Kashmir and Ladakh


  • Covers 1,949 procedures at private networks and public hospitals.

  • Includes treatments such as Carotid angioplasty with stent, Prostate cancer, Coronary artery bypass grafting, Skull base surgery, Pulmonary valve surgery, Double valve replacement surgery, Anterior spine fixation, and Tissue expander for burn disfigurement.

Bajaj Allianz Health Insurance in Jammu and Kashmir and Ladakh

Bajaj Allianz General Insurance Company provides supplementary health insurance that complements the Ayushman Bharat Yojana (PMJAY) by offering additional coverage and benefits:

  • Comprehensive Coverage:

    Bajaj Allianz health insurance plans cover a wide range of medical treatments and expenses not included in PMJAY, providing extra financial protection.

  • Cashless Hospitalization:

    Benefit from cashless treatment at a network of hospitals, reducing the need for upfront payments.

  • Pre and Post-Hospitalization Expenses:

    Covers expenses before and after hospitalisation, including diagnostic tests and medications.

  • Critical Illness Protection:

    Additional coverage for critical illnesses, offering financial support for severe health conditions.

How to Choose and Apply?

  • Assess Needs: Evaluate your health needs and select a plan that fits your requirements.
  • Apply Online: Visit the Bajaj Allianz General Insurance Company website to compare plans and apply online.
  • Local Assistance: For more information and assistance, visit a Bajaj Allianz General Insurance Company branch or contact customer support.

Choosing Bajaj Allianz General Insurance Company can enhance your healthcare coverage alongside the Ayushman Bharat Yojana, providing you and your family with added security and peace of mind.

The Ayushman Bharat Yojana (PMJAY) provides vital healthcare coverage to people in Jammu, Kashmir, and Ladakh who need it most. Offering up to Rs.5 lakh per family each year, the scheme helps cover costs for hospital stays, medical tests, and treatments. It includes care for many illnesses and pre-existing conditions, reducing financial stress for families. By working with a network of hospitals, PMJAY makes it easier for people to get quality medical help without worrying about expenses. This program is a crucial step towards better healthcare access for everyone in these areas.

FAQs

FAQ's

How do you get an Ayushman card in Jammu, Kashmir, and Ladakh?

To get an Ayushman card in Jammu, Kashmir, and Ladakh, visit the official PMJAY website, use the 'Am I Eligible' tool, and follow the registration and verification instructions.

Do the beneficiaries have to pay anything to get coverage under the Ayushman Bharat health insurance scheme in Jammu, Kashmir, and Ladakh?

Under the Ayushman Bharat scheme in Jammu, Kashmir, and Ladakh, beneficiaries do not have to pay anything for coverage. The scheme provides cashless treatment at empanelled hospitals.

Are diabetic patients covered under the PM Ayushman Bharat Yojana Scheme in Jammu, Kashmir, and Ladakh?

Yes, diabetic patients are covered under the PM Ayushman Bharat Yojana in Jammu, Kashmir, and Ladakh, including treatment for complications and related health issues.

How long is Ayushman valid in Jammu, Kashmir, and Ladakh?

The Ayushman Bharat card is valid for one year in Jammu, Kashmir, and Ladakh. It must be renewed or re-validated to continue receiving benefits.

What should I do if the hospital refuses to treat a beneficiary under the Ayushman Bharat Scheme in Jammu, Kashmir, and Ladakh?

If a hospital refuses to treat a beneficiary, contact the PMJAY helpline or local Health Authority for assistance and to ensure your Ayushman card is recognised.

Is cancer covered under the Ayushman Bharat Yojana Scheme in Jammu, Kashmir, and Ladakh?

Yes, the Ayushman Bharat Yojana covers cancer treatments, including chemotherapy and various cancer types, in Jammu, Kashmir, and Ladakh.

Is health insurance covered enough under the Ayushman Yojana scheme in Jammu, Kashmir, and Ladakh?

The Ayushman Yojana provides substantial coverage, including up to Rs.5 lakh per family per year, but additional insurance may be needed for comprehensive coverage.

How to update data in PMJAY in Jammu, Kashmir, and Ladakh?

To update data in PMJAY, visit the official PMJAY website, log in, and use the update option to correct or modify your information.

How to change your mobile number in PMJAY in Jammu, Kashmir, and Ladakh?

Change your mobile number by logging into the PMJAY portal and updating your details in the personal information section.

Does PMJAY in Jammu, Kashmir, and Ladakh cover people above the age of 80 years?

Yes, PMJAY covers people over 80 in Jammu, Kashmir, and Ladakh, offering the same benefits as other age groups.

Does the PMJAY scheme in Jammu, Kashmir, and Ladakh offer coverage to farmers?

Yes, PMJAY provides coverage to farmers in Jammu, Kashmir, and Ladakh if they meet the eligibility criteria.

Does Ayushman Bharat in Jammu, Kashmir, and Ladakh cover orthopaedics treatment?

Yes, the Ayushman Bharat scheme covers orthopaedics treatment, including surgeries and consultations, in Jammu, Kashmir, and Ladakh.

Does PMJAY in Jammu and Kashmir and Ladakh cover pre-existing diseases?

Yes, PMJAY covers pre-existing diseases from the day of enrollment in Jammu, Kashmir, and Ladakh.

How can I find my household ID number for PMJAY Jammu, Kashmir, and Ladakh?

To find your household ID number, check the PMJAY website or visit a Common Service Centre (CSC) in Jammu, Kashmir, and Ladakh.

Do you make a PMJAY card in Jammu, Kashmir, and Ladakh?

To get a PMJAY card, visit the official website, complete registration, and download your Ayushman card from the Ayushman Bharat card download Jammu and Kashmir section.

Is the Ayushman card free in Jammu, Kashmir, and Ladakh?

Yes, the Ayushman card is accessible in Jammu, Kashmir, and Ladakh. The card and its coverage are free of charge.

Is there any age limit for Ayushman Card in Jammu, Kashmir, and Ladakh?

In Jammu, Kashmir, and Ladakh, the Ayushman Bharat card is not age-limited. It covers beneficiaries of all ages.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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