The scheme includes three days of free hospitalisation, diagnostic care and expenditure on medicines

The Jammu and Kashmir administration has announced a health insurance scheme for all residents of the Union Territory who are not enlisted under Pradhan Mantri Jan Arogya Yojana (PM-JAY), said a report by

While speaking at a press conference on Friday, Lt. Governor Manoj Sinha said that the scheme will ensure a health cover of Rs 5 lakh per family to more than 70 lakh people across the UT, who are not covered by the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (ABPMJAY), the publication reported.

"In all, 70 lakh people will be covered under the new health insurance scheme, irrespective of their income,” quoted Lt. Governor of Jammu and Kashmir Manoj Sinha as saying.

The scheme will be put in effect on October 2, along with the opening of the ‘Back to Village’ programme. It will consist of 15 lakh families across the UT, and will be executed through Bajaj Allianz Insurance Company for three years with an insurance premium of Rs 849 per family per year.

It will have a mobility option so that the potential beneficiaries can avail of cashless facility from healthcare providers across the country, the online publication reported.

Currently, there are 23,300 hospitals across India where this service can be availed, comprising 218 public and private hospitals already registered in J&K.

The scheme will also include diseases of the heart and kidney, besides cancer and COVID-19. High-end diagnostic treatment during hospitalisation will be added to it, said an article by

Moreover, there will be no curb on the family size or age of members. All pre-existing medical conditions will also be covered.

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