ArticleCureus2026
Beneficiary Experiences and Perceptions of Pradhan Mantri Jan Arogya Yojana-Social Endeavor for Health and Telemedicine (PMJAY-SEHAT) Services in Kashmir: A Facility-Based Cross-Sectional Study.
Article in Cureus, 2026. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Not yet cited in PubMed.
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Abstract
Background Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PMJAY) aims to improve access to secondary and tertiary healthcare while reducing out-of-pocket expenditure in India. In Jammu and Kashmir, the scheme is implemented as the Pradhan Mantri Jan Arogya Yojana - Social Endeavor for Health and Telemedicine (PMJAY-SEHAT) with universal population coverage, while evidence on beneficiary experiences in the region remains limited. Objectives The objective of this study was to assess beneficiary-reported experiences with PMJAY-SEHAT services in selected empanelled hospitals of Kashmir, focusing on scheme awareness, accessibility of Arogya Mitra helpdesk services, PMJAY card generation, hospital admission processes, out-of-pocket expenditure, transportation support, hospital service ratings, and overall perception toward the scheme. Methods A facility-based cross-sectional study was conducted in 2021 for a period of six months among 155 PMJAY-SEHAT beneficiaries and their attendants across selected public and private empanelled hospitals in Kashmir. Data were collected through face-to-face and telephonic interviews using a structured questionnaire. Descriptive statistics were used to summarise findings, and associations were assessed using the chi-squared test and Spearman's rank correlation. Results Among participants, n=113 (73%) were aware of PMJAY-SEHAT before hospital admission, and 86% reported easy access to the Arogya Mitra helpdesk. Most beneficiaries (n=124, 80%) did not incur out-of-pocket expenditure, while n=31 (20%) reported expenses primarily related to medicines. Transportation support was limited, with n=146 (94%) arranging transport independently. Admission processes were efficient, with n=96(80%) of patients admitted within 30 minutes. Overall satisfaction was high, with n=96 (62%) rating hospital services as excellent and 28% as good. A strong positive correlation was observed between hospital service ratings and overall perception of the scheme (ρ = 0.90, p < 0.05). Conclusions PMJAY-SEHAT has improved access to hospital-based care in Kashmir with high beneficiary satisfaction and limited financial burden. Addressing gaps in medicine availability and transportation support may further strengthen the scheme's effectiveness and financial protection.
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