How to Choose the Best Health Insurance Plan in Pakistan (2025 Guide)

Although navigating this maze is challenging in Pakistan, choosing the correct insurance plan helps safeguard your family’s wealth should an unplanned tragedy strike. Given Pakistan’s broad spectrum of market dynamics and product offers, making a wise choice is absolutely vital.    

If you search for an insurance plan in Pakistan, there is also a greater chance of stumbling on a fraud or scam.  It is why we bring to you this how-to guide to understand health insurances you can avail within Pakistan. We bring to you expert, tried-and-tested strategies to safeguard the future of you and your family without breaking the budget.  

What is Medical (aka Health) Insurance? 

Often called health insurance in Pakistan, medical insurance is a type of insurance coverage covering hospital and medical costs. Health insurance plans in Pakistan each come with their unique features, advantages, and qualifying criteria. These are the crucial factors to consider while you are applying for Pakistani medical insurance. 

Types of Healthcare Insurance Coverage 

Familiarize yourself with the various health insurance options available: 

• Individual Plans: Cover only the policyholder. 
• Family Floater Plans: Under a single sum insured, this plan covers the whole family using family floater plans. 
• Critical Illness Plans: Specifically designed to cover life-threatening diseases like cancer, heart attacks, etc. 

Key Features of Health Insurance 

Risk Sharing 

You and the insurance company both share the risk of incurring large medical bills – it’s not a one-party solution.   

Cost Coverage

Health insurance covers a variety of medical expenses, such as doctor visits, hospital stays, procedures, and prescription drugs.   

Premium Payment

You pay a regular premium (monthly or annual) deposit to maintain your coverage, depending on the plan you choose.  

Cost-Sharing 

You may also be responsible for paying some of the costs, such as deductibles, copays, or coinsurance.   

Coverage Options 

In Pakistan, a decent health insurance scheme shields you financially from unanticipated medical expenses. It is why choosing a plan that fits your demand is vital as different plans offer different degrees of coverage and cost-sharing.    

Assessing Your Health Insurance Needs  

Knowing your needs can help you choose the best health insurance plan, however, if you are a little clueless, you can perform the following exercise to narrow it down. Question yourself the following: 

What’s my budget? 

Find out how much you might realistically afford to pay for monthly or yearly premiums. The best plan is one which ensures maximum coverage while preserving your financial stability. 

What insurance plans do I need? 

Based on your financial standing, do you need family life insurance or full health coverage? Find out the insurance plans being offered in Pakistan. 

What future goals do I have? 

If you intend to start a family in the future, your insurance needs will most certainly change over time. 

What lifestyle aspects should I consider? 

You could need more coverage or specialist insurance if you work in a high-risk job or travel regularly. 

Top Pakistani Health Insurance Providers 

You need to begin your insurance research by jotting down the available companies and plans. Here are five of the most prominent health insurance coverage providers in Pakistan: 

• The United Insurance Company of Pakistan  
• Jubilee Life Insurance 
• State Life Insurance Corporation of Pakistan  
• Adamjee Insurance 
• IGI General Insurance 

Coverage Benefits 

Once you get a working list, check their plans against the following checklist: 

• Hospitalization expenses (room charges, nursing fees) 
• Pre- and post-hospitalization charges 
• Maternity benefits 
• Other daycare services 

Coverage Exclusions 

Every health insurance policy has exclusions you should be aware of, i.e.,  some plans include waiting times for pre-existing ailments which makes the coverage for these diseases not immediately available.    

Verifying the details is also crucial since some plans might not cover treatments or operations. Also ensure that the plan you choose is upfront about the has age limits since some companies have entrance and exit age requirements. 

The United Insurance Company of Pakistan  

Along with thorough health insurance policies, The United Insurance Company also offers large hospital networks throughout the country. They are one of the best health insurance providers in the country because their insurance covers a range of medical expenses. Their plans and expenses are as follows: 

•  Self-Secure Plan (these are based on ages 30 to 49): 
• Gold Plan: 1,300 – 1800 PKR for 30 to 49 years 
• Platinum Plan: 2,000 – 2750 PKR for 30 to 49 years [these plan prices change based on the ages; see website for more details] 
• Coverage: 
  • Up to PKR 1,000,000 (Platinum) and PKR 500,000 (Gold), protection against accidents. 
  • For disease, the highest inpatient surgical cost allowed is PKR 25,000 for Gold and PKR 50,000 for Platinum. 
  • Medical expenses connected to accidents: Gold at up to PKR 25,000; Platinum at PKR 50,000. 
  • Burial and repatriation: PKR 50,000 (gold) and PKR 100,000 (platinum). 

Get more information on email: [email protected] or their toll-free: 0800-84275. 

Jubilee Life Insurance 

Jubilee Life Insurance provides Pakistanis with affordable health insurance policies fit for both family and personal requirements. Their “Jubilee Health Shield” offers thorough coverage even for pre-existing medical issues. Here is a summary of their plans and prices:  

• Jubilee Health Shield 
  • For individuals and couples; can receive customized policies with financial protection during medical crises.   
  • Complete coverage choices covering pre-existing conditions as well as hospitalization advantages.   
  • Premium benefits vary based on age, coverage amount, and other additional benefits.  

• Wellness Assurance Plan 
  • A wellness plan for unforeseen accidents, to guarantee that you and your loved ones can recover without medical debt piling up 
  • Pricing varies based on personal needs. 

• Jubilee Azmat Health Insurance Plans 
  • Offers first-rate inpatient hospitalization 
  • Premium rates are determined by age, coverage level, and supplementary benefits requested.   

• Jubilee’s Global Health Insurance Plans 
  • A complete scheme offering perfect coverage for your local and worldwide medical needs 
  • Premium prices vary based on the age of the insured, the level of coverage given, and the geographical area covered. 

• Cancer Protection Plan 
  • It helps to pay cancer-related expenses at a reasonable cost, reducing the financial burden of treatment.   

You can call their customer service at (021) 111-111-554 for personalized assistance or email [email protected] for inquiries or to request a quote. 

State Life Insurance Corporation of Pakistan 

Offering a range of health insurance plans catered to the requirements of people, families, and businesses, State Life Insurance Corporation of Pakistan Their main offers are outlined here: 

Sahara Family Health Strategy 

• Families whose illness or accident requires hospitalization will find financial help here. 
• Annual Hospitalization Limit per Person: Options are PKR 75,000, PKR 150,000, PKR 250,000, or PKR 450,000. 
• Depending on the plan of choice, additional coverage spans PKR 25,000 to PKR 200,000. 
• Daily Room or Board: Plans call for anything from private rooms to general wards. 
• Covering tests, consultations, and drugs for thirty days before and during hospitalization,  
• Every strategy calls for emergency ambulances’ coverage. 
• Subject to a 6-month waiting period 
• Maternity Cover is an optional add-on covering PKR 30,000 to PKR 180,000. 

Haari Plan 

Designed to offer financial assistance to farmers and their families during hospitalization due to illness or accident. 

Sehat Salamat Program 

A micro health insurance program for poor communities provides coverage for hospitalization, day-care surgery, and maternity benefits. 

• The annual hospitalization limit for a person is PKR 25,000. 
• Age limit: There is no age limit, and pre-existing conditions are covered (save for customary exclusions). 
• Maternity Benefits: Includes PKR 1,000 in transportation expenditures for each hospitalization. 

This provider is government-subsidized, with premiums reduced or waived for eligible recipients. The official website provides information on eligibility criteria and application processes. 

For additional information or personalized assistance: 

• Phone number: 051-111-777-542
• Email: [email protected]
• Website: [www.statelife.com.pk]

Adamjee Insurance 

Adamjee Insurance has a solid reputation for dependability and customer-focused services. Its areas of expertise are providing whole solutions for the general, life, and health insurance markets. 

• Silver Plan: Provides comprehensive coverage with an annual hospitalization limit of PKR 225,000.  
• Gold Plan: Offers enhanced coverage with an annual hospitalization limit of PKR 350,000.  
• Platinum Plan: Delivers extensive coverage with an annual hospitalization limit of PKR 500,000.  

These policies cover pre- and post-hospitalization treatment, emergency ambulances, and hospital stays.  

There is also optional maternity coverage available.  Especially, maternity benefits have a six-month waiting period while pre-existing condition coverage has a three-year waiting period.   

The maximum coverage age of these schemes is 60 years old. 

IGI General Insurance 

Health Sure Plan 

Comprehensive coverage including hospitalization, maternity benefits, pre- and post-hospitalization fees, and access to a large network of hospitals spread over Pakistan under Health Sure Plan. Once three straight years of continuous coverage pass, pre-existing conditions are covered. 

Family HealthCare Plan 

Designed to cover several family members under one policy, the Family Health Care Plan provides annual hospitalization limitations between PKR 275,000 and PKR 1,000,000.  

Benefits include coverage for pre-existing conditions after three years, cashless services via a large hospital network, and a 14-day free cancellation period following policy issuing. 

Parents Healthcare Plan 

Designed for those between the ages of 45 and 65, Parents Healthcare Plan renewable up to 70 years. Beginning at 10% in the initial year, it covers pre-existing conditions with incremental coverage rising with each renewal. Annual hospitalization restrictions are available from PKR 200,000 to PKR 1,000,000. 

IGI General Insurance 

IGI General Insurance additionally provides specialty plans including Lifestyle Care, Women Health Plan, Senior Citizen Health Plan, and Personal Health Plan. These programs have made a reputation because they provide coverage for senior citizens’ healthcare needs, women’s health issues, and congenital disabilities separately. 

IGI General Insurance can be reached at +92-42-111-308-308, +92-21-111-308-308, or +92-51-111-308-308, with further details available on their official website. 

Conclusion 

Having first-rate health insurance in Pakistan will help you safeguard both your financial stability and health. A good way to begin this journey is by spending some time evaluating circumstances, comparing the benefits of several plans, and selecting one from a reputable provider to get the coverage you need without going broke. Using internet comparison tools, considering premium costs and deductibles, and consulting professionals will help one make the best decision.  

In the fast-paced healthcare environment of today, the right health insurance plan protects you in case of an emergency and facilitates the achievement of your long-term health goals. Use these professional tips to guide your own health insurance policy and find reasonably priced, premium coverage. Your future health will be much influenced by the decisions you make now.