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Sehat Sahulat Programme: Eligibility Criteria, Benefits & More


About Sehat Sahulat Programme
Benefits of Sehat Sahulat Programme
Eligibility Criteria
Application Process
How to Use Sehat Insaf Card
Contact Details

Update (Oct. 5, 2021): In September, a record 62,557 residents of Khyber Pakhtunkhwa (KP) were reportedly facilitated by the Sehat Insaf Card initiative.

“At this rate, over 600,000 individuals, or 8% of families could use the Sehat Card in this financial year, an incredible achievement,” KP Finance and Health Minister Taimur Khan Jhagra wrote on Twitter.

Update (Jan 26, 2021): The Government of Punjab has approved the provision of Sehat Insaf Cards to all families residing in the province.

Speaking at the Seminar on Introduction of Typhoid Conjugate Vaccine by the Primary and Secondary Healthcare Department, Punjab Health Minister Dr Yasmin Rashid said the campaign for the issuance of Sehat Cards will start from 12 districts, including Lahore, Rawalpindi, Multan, Faisalabad, Gujranwala, Mianwali, Chakwal, Pakpattan, DG Khan, Layyah, Rajanpur, and Mandi Bahauddin.

“By December 2021, Punjab’s all 29.3 million families registered with Nadra will be given Sehat Sahulat cards,” said Dr Rashid. “In the first phase, all seven districts of Sahiwal and Dera Ghazi Khan Divisions shall be given cards. The Sehat Sahulat Card holders can avail free treatment services up to PKR 7.2 lakh. The card holders will be able to avail free treatment facility from all empanelled hospitals all over Pakistan.”

Prime Minister of Pakistan Imran Khan recently announced that the provincial government of Khyber Pakhtunkhwa will provide a micro health insurance scheme to its entire population under the Sehat Sahulat Programme (SSP), according to major news outlets and publications.

Hailed as a ‘milestone towards social welfare reforms,’ the Prime Minister’s Sehat Sahulat Programme aims to provide free-of-cost indoor health care services to the enrolled citizens in a dignified and swift manner. Initially, the program was launched for the masses living under the poverty line, persons with disabilities, and the transgender community. However, as of now, all residents of Khyber Pakhtunkhwa and the newly-merged tribal districts are entitled to enjoy free access to good quality medical services without any financial obligations.

After bringing you a detailed analysis of the PM’s Ehsaas Nashonuma Program, we are now focusing on the Sehat Sahulat Programme 2020. Since this program has been introduced for the residents of Khyber Pakhtunkhwa, Punjab, Azad Jammu and Kashmir, Gilgit-Baltistan, and Tharparkar District in Sindh, here is a comprehensive guide on its eligibility criteria, the application process, usage of Sehat Insaf Card, and more.

Let’s take a look.

About Sehat Sahulat Programme in Pakistan 

Sehat Insaf Card of Sehat Sahulat Program
The Sehat Insaf Card issued under Sehat Sahulat Programme is valid for one year (Credits: Facebook)

The Sehat Sahulat Program was launched in 2015 with an objective to provide the best medical and health care services to the underprivileged citizens of Pakistan through a free micro health insurance scheme. Since then, about 6,808,513 families have enrolled in the PM’s health programme.

The beneficiaries of this programme are eligible for all medical and surgical processes, hospitalization, maternity services, follow-ups and consultancy without paying anything out of their pockets. All they would need to avail these services is their Sehat Insaf Card, which is issued to all registered citizens and has a validity of one year.

According to the Dawn.com, each registered family will be entitled to receive a health coverage of up to PKR 10 lakh per year under the Sehat Sahulat Programme for the entire KPK province. Another noteworthy feature of this programme is that it includes both public and private hospitals. Moreover, State Life Insurance Corporation was selected to provide health insurance to the citizens of Khyber Pakhtunkhwa under the programme after a competitive bidding process. The insurance company will receive an annual amount of PKR 2,849 per family. 

In October, the residents of Upper Dir, Lower Dir, Swat, Buner, Malakand, Shangla, Bajaur, Lower Chitral and Upper Chitral districts of Malakand division will reportedly start receiving free health services regardless of their financial status. In the following month, the population of Hazara Division will also begin receiving the medical services. In December, the programme will be extended Peshawar and Mardan, followed by Dera Ismail Khan, Bannu and Kohat in January.

As per the Health Minister of Khyber Pakhtunkhwa Taimur Saleem Jhagra, the government plans to spend PKR 18 billion in order to offer free treatment and health care services to the 40 million people living in the 35 districts of Khyber Pakhtunkhwa.

Discussing the insurance scheme, the minister explained that PKR 2 lakh have been specified for emergency cases, general surgery and maternity services, whereas PKR 4 lakh are meant for diabetes, cancer, kidney diseases, cardiovascular and neurological diseases. The remaining PKR 4 lakh is for a kidney transplant, chemotherapy, and other emergencies. 

Benefits of Sehat Sahulat Programme

benefits of Sehat Sahulat Programme
This programme enables lower and middle-income residents to receive quality medical treatment without worrying about financial restraints

Here are some of the most noteworthy benefits of Sehat Sahulat Programme: 

  • The Sehat Insaf Card of Sehat Sahulat Programme entitles beneficiaries and their family members to avail free-of-cost emergency services, hospitalization, medical treatments, surgical procedures, maternity services, referral transportation, follow-ups and consultations. These services fall under the secondary care package. 
  • The priority package of PM’s health programme also covers diabetes, cardiovascular diseases, burns, organ failure, road traffic accidents, oncology, neurosurgical procedures, advanced renal diseases, dialysis, and chronic diseases such as TB and Hepatitis, among others
  • On an annual basis, each family member of a Sehat Insaf Cardholder is eligible to get a treatment worth up to PKR 60,000 for secondary and PKR 3 lakh for priority packages, as per the official website. However, if the medical bills of the cardholder or their family member exceed that limit, their card can be topped off with an additional amount to cover the cost of the treatment 
  • Those enrolled in the Prime Minister’s Sehat Sahulat Programme will also have their hospital transportation, worth PKR 1000, covered thrice a year 
  • In case the cardholder passes away, their family will be provided with PKR 10,000 to help with the burial expenses
  • Beneficiaries of this health insurance scheme can visit any of the government and private medical facilities mentioned in the list of empanelled hospitals on the programme’s website 

Eligibility Criteria for Sehat Sahulat Programme

As per the official website for the programme, it was introduced to provide free indoor treatment to persons with disabilities, members of the transgender community, and those living below the property line (earning less than USD 2 per day) in Khyber Pakhtunkhwa, Punjab, Azad Jammu and Kashmir, and Gilgit-Baltistan. Meanwhile, all the residents of newly merged tribal districts and Tharparkar District in Sindh are also eligible for the Sehat Insaf Card of Sehat Sahulat Program,

However, as mentioned above, the programme was recently expanded to provide coverage to all the residents of KPK.

How to Apply for Sehat Sahulat Programme

 how to apply for Sehat Sahulat Programme online
The residents of KPK don’t need to register online or verify their eligibility for the programme

These are the complete steps detailing how to apply for Sehat Sahulat Programme in Pakistan:

Step 1: Check your eligibility for Sehat Sahulat Programme by sending your CNIC number at 8500

Step 2: If you are found eligible for the programme, you will receive a text message on your card verifying your details. The message will also include your Sehat Insaf Card number and the name of the card distribution centre in your district where you can collect it from

Step 3: Visit the assigned card distribution centre along with your original CNIC or Special CNIC to collect the Sehat Insaf Card

Alternatively, you can apply for a Sehat Insaf Card online by visiting the official Sehat Sahulat website and click on ‘Eligibility Details.’ Once you are redirected to a new web page, enter your CNIC number in the relevant field and click on the blue box below to check your eligibility for Sehat Sahulat Programme.

How to Use the Sehat Insaf Card

how to use Sehat Insaf Card
Each card has a certain amount limit, which is refreshed on an annual basis (Credits: Facebook)

Cardholders and their family members can visit any of the empanelled hospitals for their medical treatment. However, they must bring along the following documents with them:

  • Sehat Insaf Card
  • Original CNICs or Special CNICs of both the cardholder and the family member who seeks treatment 
  • Form B, in case the patient is a child

All you need to do is visit the representative counters for the Sehat Sahulat Programme set up at all empanelled hospitals. Show your Sehat Insaf Card to a representative and explain the reason for your visit. The representative will then guide you to the relevant department.

It is important to mention the treatment expenses will be deducted from the Sehat Insaf Card after the patient has been admitted in the hospital. 

Moreover, the Sehat Insaf Card hospitals list is available online. 

Whether you are looking for further details about the application procedure and benefits of Sehat Sahulat Programme or simply want to provide them with your feedback, here are the contact details.

Address: Ministry of National Health Services, Regulations and Coordination, Hall 3A, 3rd Floor, Kohsar Block, Pak Secretariat, Islamabad.

Phone Number: 0800-09009

Email: sehatsahulatprogram@gmail.com

Frequently Asked Questions 

PM’s health programme
The PM’s health programme covers expenses for all medical treatments and surgeries

Let’s answer some of the most frequently asked questions about the PM’s health programme:

Can anyone register for the Sehat Sahulat Programme?

Anyone who fulfils the eligibility criteria mentioned above can register for the programme. The easiest way to confirm your eligibility is by texting your CNIC number to 8500

How many times can a beneficiary use the Sehat Insaf Card?

A beneficiary can use the card until the cash limit is available. The financial limit for each beneficiary will be refreshed on an annual basis  

In which disease cases can one use the Sehat Insaf Card?

You can use this card for the treatment of any disease after a patient has been hospitalized. However, you may need to confirm if your insurance company has mentioned any exclusions in the package 

Will the child born in a registered family be eligible for this programme?

If a child is born in an empanelled hospital to a registered family, he or she will be eligible for the programme. On the other hand, if the child is not born in an empanelled hospital, the parents can register him or her for the programme by submitting an application and the child’s NADRA Form-B at the SSP help desk set up at different hospitals.

Will any amount be paid to the cardholder if the card remains unused throughout the year?

The Sehat Insaf Card of Sehat Sahulat Programme is only valid for indoor medical treatment and health care services. Beneficiaries cannot obtain any money if the card remains unused.

We hope our guide answered all of your queries about the Sehat Sahulat Programme 2020. Feel free to share your thoughts and comments with us by dropping a message at blog@zameen.com.

Meanwhile, you can also take a look at our detailed guides on the Kamyab Jawan Programme, Ehsaas Kafaalat and Emergency Cash Programmes and Pakistan Citizen Portal.

Stay connected to Zameen Blog – the leading lifestyle and property blog in Pakistan – to learn more about other government initiatives. Moreover, don’t forget to subscribe to the Zameen Newsletter and Facebook page to stay up-to-date about the latest construction and real estate trends in major cities across the country.

Disclaimer: The information mentioned above has been extracted from the official website of Sehat Sahulat Programme and leading news outlets.


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