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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.