His eyes puffy, his spirits low as he lay on a hospital bed with tubes running out of his body to a dialysis machine that purified his poisoned blood and sent it back, shawl vendor Niyaz Wani contemplated how much longer he could afford his treatment.
Till August 26, 2019, Wani’s dialysis was free of cost at the 50-bed Khyber Hospital, one of Srinagar’s leading private medical institutes. He is a “golden card” holder under the prime minister’s key medical-costs reimbursement programme, the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (national health protection scheme), which--until August 2019--reported the best use nationally in Jammu and Kashmir.
Started in September 2018, Ayushman Bharat provides free health services costing up to Rs 5 lakh (Rs 500,000) to over 100 million Indian families who live below the official poverty line. Wani was one of those--until last week, when the hospital suspended free treatment because it could not register and process claims on the internet, which has been blocked by the government for 31 days now.
Wani was not alone in the 20-bed dialysis centre. Almost all the other patients we met were golden card holders: rickshaw drivers, labourers and other daily wage earners struggling to get dialysis now that Ayushman Bharat services were down. Even though they needed dialysis, some patients were going to discontinue the treatment because they could not afford it.
On humanitarian grounds, the Khyber Hospital allowed free services for golden card holders until August 26, 2019, believing the internet would be restored. But with current unpaid bills running to Rs 22 lakh and Rs 60 lakh yet to be received from the central government, hospital authorities said they had now stopped free treatment for Ayushman Bharat beneficiaries.
Patients in the dialysis unit of Srinagar’s Khyber Hospital. Most patients are beneficiaries of the Pradhan Mantri Jan Arogya Yojana, the prime minister’s national health protection scheme, and received free treatment. Since August 26, 2019, when the hospital stopped free medical care because of mounting bills, patients have had to pay. Some are ceasing treatment.
Wani said he had to now pay Rs 2,500 per dialysis or about Rs 20,000 per month, excluding medicines. “I had to sell my wife’s gold ear-rings to afford treatment,” he told IndiaSpend from his hospital bed. “I got just Rs 15,000 for that pair of ear-rings. It was more than 1 tola (10 gm of gold). These goldsmiths are very smart, they are not giving loans but asking us to sell [our gold] instead.”
Since August 5, 2019, when India’s parliament passed legislation to abrogate Article 370 of the Indian Constitution--introduced in 1949 as a condition for Jammu and Kashmir to join India--deployed an additional 38,000 troops and suspended telephone and internet services in the Kashmir valley, a healthcare crisis is increasingly evident.
Ayushman Bharat patients cannot access free services. The private and government hospitals we visited were half empty. MRI machines could not get software updates. Many drugs were in short supply, and with courier services suspended, those who could afford to were making journeys to Jammu, Chandigarh or Delhi to fetch medicines. Surgeries were postponed or curtailed. Doctors were idle. Patients in need of life-saving procedures may have died--but there is no way of knowing because of the continuing mobile and internet blackout.
On September 4, 2019, a month since the communications blockade, Srinagar’s district magistrate and development commissioner Shahid Choudhary retweeted the official Twitter handle of the state’s information and public relations department that said: “100% of landline exchanges to be operationalized; Remaining 19 exchanges being opened tonight”. Mobiles are being “restored gradually” and “already buzzing in Kupwara”, Choudhary added. He also said surgical procedures in hospital were normal and medicines available.
Much of this had not happened when this story was written on September 5, 2019.
At the Khyber Hospital, Wani told us how he earned Rs 500 per day during tourist season and how he had no income since August 2019 when shops and businesses in the Valley were shut down, an unofficial civil strike to protest against the government’s decision to abrogate Article 370 and downgrade Jammu and Kashmir from a state to a union territory.
Businesses and commercial enterprises have been shut in Kashmir since August 5, 2019, as part of a civil strike to protest the Centre’s decision to abrogate Article 370 of the Indian Constitution and downgrade Jammu and Kashmir from a state to a union territory.
“My three children will have to stop their studies,” said Wani. “There is no money even to buy rice or vegetables now.”
“Why are poor Kashmiris not able to avail benefits of Ayushman Bharat when all other Indians can?” asked Wani.
‘We don’t know how many died’
Before August 5, 2019, the Khyber Hospital averaged 30-40 angioplasties--procedures to treat blocked blood vessels in the heart. Last month only about 10 angioplasties were conducted, said a senior cardiologist, not willing to be identified for fear of being persecuted. Most officials in government hospitals, hospital owners and doctors told IndiaSpend that they had been instructed by the government not to speak to the media.
“See, heart attacks still happen, they don’t stop. In fact there could be more because of the [additional] stress,” said the senior cardiologist. “What has happened now is that patients are not able to reach to the hospital. This particularly happened in the first three weeks following the clampdown. Many may have died, but there is no way to know.”
Even at the Shri Maharaja Hari Singh (SMHS) Hospital, one of Srinagar’s top two government hospitals, doctors said neither could patients with scheduled surgeries reach the hospital nor could the hospital administration contact them.
Many hospital employees living away from the premises could not make it to work because of security barriers. Many surgeons we spoke to decided to not operate on “high-risk cases” because there was no way for the resident doctors to contact senior consultants in case of emergency.
Hospitals have started using ambulances to ferry hospital staff to and from work because in some areas private vehicles are not allowed to proceed. Routes are pre-set, but during emergencies, without mobile phones, it is difficult to reach doctors.
Ambulances are used to ferry doctors and hospital staff to and from hospitals in Kashmir due to security concerns and a lack of public transport.
The government has claimed that landlines have been restored in some parts of the Valley, especially in government offices and police stations.
However, there was no working landline at SMHS Hospital when IndiaSpend visited on September 4, 2019, even though it had been officially restored on September 1, 2019. Hospital staff said the mobile phone of the head of the hospital, Parvaiz Ahmad Shah, who also heads four other hospitals in Srinagar, was working.
IndiaSpend tried to meet Shah three times at his office, but he refused to meet us or offer comment.
At the directorate of health services, many landlines were not working on September 4, 2019. Only the mobile phones of the health director and district chief medical officers had been restored. Other emergency staff in Srinagar and other district hospitals did not have access to mobile phones or landlines, IndiaSpend has learnt.
Patients hitch rides, borrow vehicles
Most patients in rural Kashmir depend on tertiary hospitals in Srinagar for their health needs. With communication services down, heightened security checks and no public transport, patients from rural areas cannot easily reach the city. We met patients who hitched rides, borrowed vehicles from neighbours and relatives, and spent a lot of money to reach the hospitals.
Altaf Ahmad Sheikh, 45, who had piles, was taken to SMHS hospital by his son on a motorcycle from Tahab-Pulwama, 60 km south of Srinagar. “We could have come in a bus if the situation was normal,” Ahmad said, adding that doctors told him to revisit the hospital in October for a surgery.
Shri Maharaja Hari Singh Hospital in Srinagar. Outpatient numbers at one of the city’s leading government hospitals have fallen by about half since August 5, 2019.
Another patient, Abdul Subhan Lone, said he paid a neighbour Rs 200 for fuel to get a drop to the highway from his village of Payipora in Tangamarg. “From there, I hitched a ride in three vehicles to get here,” Lone said.
Doctors at hospitals in Srinagar told IndiaSpend they were deferring surgeries, except emergencies and deliveries.
Out-patient department data indicate how services have been affected.

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