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All You Need to Know About Sehat Insaf Card


In 2015, the Federal government of Pakistan launched the Sehat Sahulat Program to provide the best medical and health care services to all the underprivileged citizens of Pakistan through a free micro health insurance scheme. Since then, about 6,808,513 families have been enrolled in the PM’s health program and are given Sehat Insaf Cards.

Sehat Sahulat Program:

In Pakistan, the public faces hardships regarding medical treatment and health care services. The health care services are poor in public sector hospitals, whereas the treatment is so expensive in private hospitals that an average person cannot afford it. The government has launched the Sehat Sahulat Program, hailed as a ‘milestone towards social welfare reforms’ by the PM, to address this issue. You can also read about How to Check WASA Duplicate Bill.

The flagship project aims to offer free indoor health care services to citizens. The recipients can get all medical and surgical processes, hospitalization, maternity services, follow-ups, and consultancy free of cost. They need to show their Sehat Insaf Card, issued after registering for the program and has one-year validity.

All You Need to Know About Sehat Insaf Card

The program, initially, has included all the people living under the poverty line, including disabled persons and the transgender community. Now, all the residents of Khyber Pakhtunkhwa and the newly-merged tribal districts are included in this scheme that can enjoy free access to good quality medical services.

Sehat Sahulat Insaf Card Program Coverage:

Several diseases and treatments are covered under the Sehat Insaf Card, including:

  • ENT
  • Pediatrics
  • Orthopedics
  • General Surgery
  • General Medicine
  • Gynae & Obstetrics
  • Genito-Urinary Disease
  • Neurosurgical Diseases
  • Breast Cancer Screening
  • Cardiovascular Problems
  • Diabetes Complications
  • All Types of Cancers
  • Accidents & Emergencies
  • Artificial Limbs (Prosthetics)

The following can benefit from this program:

  • Disabled Persons
  • Transgender Persons
  • Persons below the poverty line

Benefits of Sehat Insaf Card:

The program offers the following benefits to its beneficiaries:

  • The Sehat Insaf Card enables beneficiaries and their family members to enjoy free health care services, including emergency services, hospitalization, medical treatments, surgical procedures, maternity services, referral transportation, follow-ups, and consultations.

Note: These services fall under the secondary care package.

  • The priority package of the Sehat Sahulat Program also covers diabetes, oncology, organ failure, cardiovascular diseases, burns, road traffic accidents, neurosurgical procedures, advanced renal diseases, dialysis, and chronic diseases such as tuberculosis and Hepatitis, among others.
  • Annually, each Sehat Insaf Cardholder family member can get a treatment worth up to PKR 60,000 for secondary and PKR 3 lakh for priority packages. However, if the medical bills exceed that limit, the card can be topped off with an additional amount to cover the cost of the treatment.
  • Sehat Insaf Cardholders will also have their hospital transportation, worth PKR 1000, covered a year thrice.
  • If the cardholder dies, their family will be provided with PKR 10,000 to meet the burial expenses.
  • Recipients of this health insurance scheme can visit any of the government and private medical centres mentioned in the list of on-panel hospitals on the program’s official website.

Sehat Insaf Card Treatment Packages:

Below are the two types of treatment packages that you can get if you are a Sehat Cardholder:

1. Secondary Care Treatment Package:

  • Post hospitalization
  • Fractures and injuries
  • Emergency treatment requiring admission
  • Provision of transport to tertiary care hospitals
  • Additional coverage of PKR 60,000 per family
  • Local transport cost of PKR 1000 (3 times a year)
  • Initial coverage of PKR 60,000 per family per year
  • Inpatient services (all medical and surgical procedures)
  • Maternity services including normal delivery and C-section
  • Maternity consultancy for family planning, immunization, and nutrition
  • Maternity consultancy and antenatal checkups (4 times before delivery and 1 follow up)

 2. Priority Treatment Package:

      • Neurosurgical procedure
      • Diabetes mellitus completion
      • End-stage kidney diseases/dialysis
      • Heart diseases (angioplasty or bypass)
      • Cancer (chemotherapy, radio, or surgery)
      • Organ failure (liver, kidney, heart, or lungs)
      • Additional coverage: PKR 300,000 per family
      • Initial coverage: PKR 300,000 per family per year
      • Inpatient services (all medical and surgical procedures)
      • Chronic infections including Hepatitis, HIV, rheumatology)
      • Burns and RTA that includes life, limb saving treatment, implants, and prosthesis)

Eligibility Criteria for Sehat Insaf Card:

Below are the eligibility criteria for this scheme:

  • Persons with disabilities
  • Transgender community
  • Persons below the poverty line
  • All residents of KPK
  • The residents of newly merged tribal districts and Tharparkar District in Sindh

Methods to Apply for Online Sehat Insaf Card?

Naya Pakistan Housing Program offers you some quick and simple steps to apply to get Sehat Card. These steps are to be followed by a person from any age group. You can also read about How to Check IESCO Duplicate Bill Online.

Step 1: Eligibility Check for the Program:

Through SMS: Send SMS containing your CNIC number at the pre-set 8500. If you are eligible for the program, you will receive a text message on your mobile verifying your details. The message will have your Sehat Insaf Card number and the name of the card distribution centre in your district written on it.

Step 2: Collect Your Designated Sehat Insaf Card:

Once you are declared eligible for the program, get your Sehat card by visiting the card distribution centre of your district along with your CNIC.

How to Use Sehat Insaf Card?

If you want to know how to use the Sehat Insaf Card, follow the below-mentioned phases:

Phase 1: Collect Information and Required Documents

Collect all the necessary information and required documents before going to the hospital. Also, check the empaneled hospitals, both public sector and private.

For each visit, the following documents are a must:

  1. Original CNIC
  2. Sehat Insaf card
  3. B-Form for child treatment

Phase 2: Utilize Sehat Insaf Card for the Purpose of Treatment

Once you reach an on-panel hospital, go to the representative counter for details and help. The staff will verify your card and direct you to the relevant department of the hospital for consultation and treatment.

Phase 3: Get Free Treatment

If the cardholder is admitted to the on-panel hospital, s/he will get free treatment. The cost will be covered under the umbrella of Sehat Card.

Phase 4: Provide Testimony

After receiving the treatment, you can provide your feedback in the following 3 steps:

  1. You will receive a call from SSP traffic to provide feedback
  2. Send your feedback online through the official website
  3. Call at 0800-09009

Frequently Asked Questions (FAQs):

Below are some of the questions that people ask about this program:

Q1: What is Sehat Insaf Card?

Ans: The Sehat Insaf Cardholders can get free medical and healthcare services under the flagship project of the Sehat Sahulat Program.

Q2: Is there any age limit for this program?

Ans: The program follows no age limit.

Q3: How long is the validity of the Sehat Insaf Card?

Ans: The card is valid for 1 year.


NPHP informs its readers about the flagship welfare project of the Sehat Sahulat Program and tells you about Sehat Insaf Card. The project entitles its recipients to enjoy free access to the best medical and healthcare services.

Any candidate eligible for the program and living in any part of the country can avail themselves of the free medical services as per this program. For more details about the program, visit the official website of the Naya Pakistan Housing Program.

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