Srinagar, Jun 15: The recurrent and prolonged crisis over unpaid dues under the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) and J&K's Sehat Scheme is triggering a larger debate within Kashmir's healthcare sector. Stakeholders are questioning the government's decision to extend health insurance coverage to the entire population, arguing that this has made the scheme financially difficult to sustain? Over the years, mounting reimbursement delays in favour of private hospitals have pushed many institutions into severe financial distress according to reports.