The Best and Cheapest Health Insurance Policies in Pakistan

Health care is not cheap in Pakistan. If you don't believe me, then just ask anyone who's been treated in a public hospital. Hopefully, this doesn't end up happening to you, but even if you're lucky enough to avoid illness or accidents, it's likely that you'll want to take out health insurance on your family members at some point in life.

This, coupled with expensive medicine, room charges, and post-hospitalization charges, can break the bank. Therefore, health insurance plans in Pakistan extend to cover most of these costs for an individual or their family on a given annual premium.

Health Insurance Providers in Pakistan: A Comparison

The Best and Cheapest Health Insurance Policies in Pakistan

In terms of the coverage amount, the following are some of the most cost-effective health insurance plans in Pakistan.

TPL Life

TPL Life's Tahaffuz gives an inclusion breaking point of Rs. 60,000 at a yearly premium of Rs. 17,628. What's more, emergency vehicle cost, pre and present hospitalization up on 30 days, inclusion of previous ailments, and credit only treatment at in excess of 300 exceptional medical clinics across Pakistan are additionally canvassed in the arrangement.

Moreover, the accidental emergency limit is Rs. 10,000 that is valid within 48 days.

Salam Takaful

Salam Takaful's Salaam Sehat Plan has an organization of 5 branches in Pakistan, and gives inclusion of Rs. 75,000 with the installment of a yearly premium of Rs. 11,250. The arrangement has a room breaking point of Rs. 2000 every day, pre and post hospitalization costs of 30 days, and the inclusion of crisis worldwide mishaps.

Furthermore, it provides for online consultation with experts, cashless treatment at more than 450 hospitals and 50% coverage of pre-existing medical conditions and accidents.

Pak-Qatar Family Takaful

Pak-Qatar Family Takaful provides a plan titled “Family Sehat” at the annual premium of Rs. 29,250 and a coverage limit of Rs. 75,000.

It gives a room breaking point of Rs. 1,500 every day and furthermore covers pre and post-hospitalization costs, particular examinations, and covers credit only treatment in 200+ emergency clinics.

Be that as it may, the arrangement doesn't cover rescue vehicle costs, crisis worldwide costs, and unintentional crises.

UIC Pakistan

UIC gives UIC Health-Guard at a yearly expense of Rs. 11,807 and an inclusion breaking point of Rs. 100,000. The arrangement accommodates clinical treatment at in excess of 150 emergency clinics, rescue vehicle costs of up to Rs. 15,000, room breaking point of Rs. 2,500, crisis costs of Rs. 15,000, cost inclusion of 30 days of pre and post hospitalization, and online discussion with specialists.

First Digital Takaful

At a yearly premium of Rs. 19,469, the First Digital Takaful's Family Health Takaful gives inclusion of Rs. 150,000 and a room breaking point of Rs. 5000 every day.

The arrangement covers credit only therapy at in excess of 150 emergency clinics and complete inclusion of previous ailments. Pre and post-hospitalization and online discussion with specialists are additionally canvassed in the arrangement.

In particular, the protection plan can likewise be dropped in 14 days on the off chance that the client isn't fulfilled.

Some other programs are also outlined below:


Health Insurance Provider and Plan

Annual Premium



Salaam Takaful (Salaam Sehat Plan – D)

Rs. 19,688

Rs. 150,000

Cashless treatment at 450+ hospitals

50% coverage of pre-existing condition

Room coverage of Rs. 3,500/day

Pre and post hospitalisation up to 30 days

Online consultation

Emergency international expenses

Pak-Qatar Family Takaful (Family Sehat – Economy)

Rs. 35,250

Rs. 150,000

Cashless treatment at 200+ hospitals

Room coverage of Rs. 3000/day

Pre and post hospitalisation

Complimentary OPD benefit of Rs. 1,000

UIC Pakistan (UIC Health-Guard – Tulip)

Rs. 17,083

Rs. 175,000

Cashless treatment at 150+ hospitals

Room coverage of Rs. 3,500/day

Ambulance expense of Rs. 15,000

Pre and post hospitalisation expense of 30 days

Online consultation with doctors

Emergency expenses of Rs. 15,000


Benefits of Health Insurance

The following are some of the reasons why getting a health insurance plan in Pakistan is essential for you:

Pre Hospitalization Coverage

The predominant thought in clinical protection is that it gives inclusion to the time spent in the emergency clinic however this isn't accurate. Protection suppliers currently cover pre-hospitalization costs like visits to a specialist, clinical trials, and prescriptions. As a matter of fact, most health care coverage suppliers have 30-60 days of pre-hospitalization inclusion.

Post Hospitalization Coverage

Similarly, the insurance provider also offers the patient 30 to 60 days of post-hospitalization coverage for these expenses. This is because once a patient is discharged from the hospital, there is another phase of medical tests, medicines, and visits to the physician to ensure recovery.

Cashless Claim

Previously, health insurance providers used to reimburse the medical bills of the patient. However, nowadays they arrange cashless claims — the insurance providers are registered with a number of hospitals where the patient can get medical care without paying in cash.

Emergency Medical Coverage

There might come an occasion when a person needs urgent medical treatment or needs to go in surgery, thus depleting their monthly budget. To address this, insurance providers now provide emergency medical coverage in such scenarios.

Choice of Preferred Hospital

Insurance providers are now registered with a number of different hospitals. As a result, this gives the patient the option to get treated at a hospital of their own choosing.

There are a number of different health insurance plans in Pakistan that can address not only your specific needs but also those of your dependents.

Similarly, property (like health) is much cherished in Pakistan and needs to be insured. You can find’s perspective on property insurance and why is it important, as well as the specifics of home insurance.

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