KP applicants slam offline registration process as ABPM-JAY benefits elude them JAMMU: Five months after they registered for the much-publicised Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (ABPM-JAY), most of the 65,000 Kashmiri Pandit applicants have not received their health cards yet, which they have blamed on the “offline registration process” followed by the . The scheme was launched in Jammu and Kashmir by Prime Minister Narendra Modi on December 26. The Sehat scheme in convergence with PM-JAY and aims to provide universal health insurance coverage of Rs 5 lakh per family. The ABPM-JAY Sehat, which covers all residents of Jammu and Kashmir including employees and pensioners of the UT administration and their families, has the same benefits as available under PM-JAY.