The Sehat Insaf Card, also known as the Sehat Sahulat Program, is a revolutionary health insurance initiative by the Government of Pakistan. It ensures that every citizen, especially low-income families, can access quality medical care without worrying about expenses.
The program provides free treatment across both public and private hospitals registered under the scheme.
What Is Sehat Insaf Card?
The Sehat Insaf Card offers cashless healthcare facilities to citizens through a micro health insurance system. Each family registered under the National Database and Registration Authority (NADRA) is entitled to receive medical coverage up to Rs. 1 million annually. This initiative aims to reduce the financial burden of hospital bills and provide access to better healthcare services.
Sehat Insaf Card Treatment List (2025)
The treatment list under the Sehat Insaf Card covers both secondary and tertiary care. Below is a detailed breakdown:
1. Secondary Care Treatments (Basic Services)
These are general and emergency services available free of cost.
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Emergency treatments and stabilization
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Normal delivery and C-section
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Maternity services (pre and post-natal care)
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Fracture management and bone treatments
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Appendicitis surgery
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Gallbladder removal (cholecystectomy)
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Hernia repair
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Gastrointestinal diseases
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Dengue, malaria, and typhoid treatment
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ENT diseases and minor surgeries
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Pediatric medical care
Coverage Limit: Up to Rs. 60,000 per family per year
2. Tertiary Care Treatments (Major Surgeries & Chronic Diseases)
These include long-term or specialized procedures.
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Cardiac surgeries (angioplasty, bypass, valve replacement)
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Cancer treatment (chemotherapy, radiotherapy, surgery)
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Kidney dialysis and renal transplants
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Liver diseases and hepatitis treatment
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Neurosurgery and brain tumor removal
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Orthopedic surgeries (joint replacements, spine surgery)
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Burn management and plastic surgery
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ICU care and advanced diagnostics
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Diabetes and hypertension management
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Major injuries and trauma cases
Coverage Limit: Up to Rs. 400,000–1,000,000 per family per year, depending on the case.
Eligibility for Sehat Insaf Card
To avail of these treatments, you must:
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Be a registered Pakistani citizen with a valid CNIC.
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Belong to a family covered under the Ehsaas or BISP program.
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Visit a designated Sehat Sahulat hospital with your CNIC to confirm eligibility.
How to Use the Sehat Insaf Card
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Visit the nearest panel hospital under the Sehat Sahulat Program.
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Show your original CNIC or Sehat Insaf Card.
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The hospital’s staff will verify your eligibility through the NADRA system.
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Once approved, all medical expenses are covered by the government.
Benefits of Sehat Insaf Card
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Free medical and surgical treatments
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Access to quality hospitals nationwide
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No out-of-pocket costs for covered services
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Emergency and long-term care included
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Equal healthcare access for all citizens
FAQs
Q1: What is the annual coverage limit of the Sehat Insaf Card?
The Sehat Insaf Card provides coverage up to Rs. 1 million per family per year, depending on the type of treatment.
Q2: Can private hospitals accept the Sehat Insaf Card?
Yes, many private hospitals are part of the Sehat Sahulat Program network and accept the card for free treatment.
Q3: How can I check if I am eligible?
You can check eligibility by sending your CNIC number to 8500 via SMS or visiting the official Sehat Sahulat Program website.
Q4: Are medicines covered under the card?
Yes, medicines prescribed during hospitalization are fully covered, but outpatient medicines may not be included.
Q5: Can the card be used in other provinces?
Yes, the Sehat Insaf Card is valid nationwide in all registered hospitals across Pakistan
The Sehat Insaf Card treatment list ensures that every citizen can access critical healthcare services free of cost. Whether it’s surgery, childbirth, or cancer care, this program is a major step toward universal health coverage in Pakistan.
