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Ladakh · Health / Insurance / All Residents

SEHAT — Health Insurance Scheme (Ladakh UT)

Also known as: SEHAT — Health Insurance Scheme · SEHAT · SEHAT Ladakh · सेहत — स्वास्थ्य बीमा योजना

Ladakh UT Health Dept. / Ministry of Health & Family Welfare (GoI)
Benefit
Cashless health insurance coverage of ₹5 lakh per family per year at empanelled hospitals under AB-PMJAY (Ayushman Bharat) — extended to ALL residents of Ladakh UT (not just BPL); covers 1,929+ medical packages including surgeries, cancer treatment, dialysis, and ICU care; free treatment at SNM Hospital Leh and District Hospital Kargil for all UT residents; air evacuation support for critical cases to tertiary hospitals in Chandigarh/Delhi; free medicines at Jan Aushadhi Kendras across Ladakh

At a glance

SchemeSEHAT — Health Insurance Scheme (Ladakh UT)
ForHealth / Insurance / All Residents
WhereLadakh
Health cover (up to)₹5,00,000
DepartmentLadakh UT Health Dept. / Ministry of Health & Family Welfare (GoI)
How to applyOnline
Info checked2026-10-10

Who Can Apply

In short — check the official website for the full rules.

Required Documents

How to Apply

Apply online on the official government website (link below).

Open in YojanaSahay App & Check Eligibility → or browse all schemes Visit Official Government Website ↗

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Frequently asked questions

Who can apply for SEHAT — Health Insurance Scheme (Ladakh UT)?

Resident of Ladakh. Family income up to ₹6 lakh a year.

What is the benefit of SEHAT — Health Insurance Scheme (Ladakh UT)?

Cashless health insurance coverage of ₹5 lakh per family per year at empanelled hospitals under AB-PMJAY (Ayushman Bharat) — extended to ALL residents of Ladakh UT (not just BPL); covers 1,929+ medical packages including surgeries, cancer treatment, dialysis, and ICU care; free treatment at SNM Hospital Leh and District Hospital Kargil for all UT residents; air evacuation support for critical cases to tertiary hospitals in Chandigarh/Delhi; free medicines at Jan Aushadhi Kendras across Ladakh (cover up to ₹5,00,000)

What documents are needed for SEHAT — Health Insurance Scheme (Ladakh UT)?

Aadhaar Card, Domicile Certificate (Ladakh UT), Ration Card (NFSA) OR any Ladakh UT residence proof, Bank Account (Aadhaar-linked) — for DBT top-up if any, Passport Photo, Mobile Number (Aadhaar-linked).

How do I apply for SEHAT — Health Insurance Scheme (Ladakh UT)?

Apply online on the official website: https://pmjay.gov.in/

How can I check if I am eligible for SEHAT — Health Insurance Scheme (Ladakh UT)?

Answer a few simple questions on YojanaSahay — it tells you free of cost which schemes you qualify for, with the documents for each.

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Official link last checked: 2026-10-10