The J&K Private Hospitals and Dialysis Centres Association (JKPHDA) has strongly urged the government to implement the Ayushman Bharat–Sehat Scheme in the Union Territory through the Insurance Mode instead of the existing Trust Mode, citing massive payment delays and growing financial distress among private healthcare institutions.
President of the association, Mir Faizan, said that under the present Trust Mode, reimbursements to hospitals remain pending for months and, in some cases, years. He said private hospitals across J&K are facing outstanding dues worth hundreds of crores, with some payments pending since 2021.
He warned that the prolonged delays have pushed several private hospitals and dialysis centres to the verge of closure, threatening critical healthcare services in the region.
Faizan said the Insurance Mode, already adopted in several states, ensures timely reimbursements through professional insurance companies, enhances accountability, and protects both patients and healthcare providers from financial uncertainty. He added that it would help prevent disruptions in essential services such as dialysis, oncology, and cardiac care.
General Secretary of the association, Dr Masood-ul-Hassan, said that despite the expiry of the PS8 period last month, nearly 60 percent of payments are still pending.
He said the association’s primary concern is uninterrupted patient care and stressed that a transparent and efficient payment mechanism would restore confidence among hospitals and ensure continued treatment for Golden Card beneficiaries without disruption.
The association appealed to Lieutenant Governor Manoj Sinha and Chief Minister Omar Abdullah to shift J&K to the Insurance Mode at the earliest, stating that the current Trust Mode has become unsustainable and risks adversely affecting patient care.
