Health Insurance in Pakistan: All You Need to Know to Secure Your Health and Finances

Pakistan’s economy is growing rapidly, thanks primarily to a flourishing private sector and a growing middle class. This has led to a surge in health insurance sales, which now account for almost half of total insurance premium sales.

It is a little difficult to find a health insurance policy if you are not aware of the options. Health Insurance in Pakistan offers a wide range of plans and policies.

Health Insurance in Pakistan
Health Insurance in Pakistan


Suppose you’re an individual or a small business owner in Pakistan. In that case, you’re probably well aware of the fact that the government of Pakistan doesn’t provide universal health coverage for its citizens. It leaves you with two choices: either find your own medical insurance company or pay the hefty medical bills directly out of your pocket. If you fall under one of the latter categories, you’re probably wondering whether getting cheap medical insurance in Pakistan is possible. Is it possible to get affordable medical insurance in Pakistan? We will guide you on how to get the most inexpensive medical insurance in Pakistan for yourself.

 There are several types of health insurance available in Pakistan, including:


  1. Private Health Insurance: Private health insurance is offered by private companies and can be purchased by individuals or employees. These plans typically provide a more comprehensive range of coverage options, but they can be more expensive than government-funded plans.
  1. Government-Funded Health Insurance: The government of Pakistan also provides health insurance through the Employees Old-Age Benefits Institution (EOBI) and the National Insurance Company Limited (NICL). These plans may have more limited coverage options, but they can be more affordable for eligible people.
  1. Micro-Health Insurance: Micro-health insurance is a comparatively new type of health insurance designed to be affordable for low-income individuals and families. These plans typically have lower coverage limits and higher deductibles, but they can still provide valuable protection in case of unexpected health expenses.

Choosing the Right Health Insurance Plan:

  1. Coverage: Make sure to carefully review the coverage options of any plan you’re considering. Consider what types of medical expenses are covered and what the limits are on the coverage.
  1. Cost: Compare the price of different health insurance plans, including the monthly premium and any out-of-pocket expenses.
  1. Network: Be sure to check the network of hospitals and doctors that are covered in your plan.
  1. Claim process: Make sure you know the claims process and how easy it is to get compensation.
  1. Customer service: Check the insurance company’s customer service, and ensure they are responsive and efficient.

Making the Most of Your Health Insurance Coverage:

  1. Use Preventive Care: A major part of maintaining your health is routine checkups, and many health insurance plans will cover preventive care services such as checkups, Screenings, and vaccinations.
  1. Take Advantage of Discounts: Many health insurance plans offer discounts for certain types of care, such as generic medications or telemedicine visits.
  1. Stay In-Network: To get the most out of your health insurance coverage, it’s important to stay in-network as much as possible.
  1. Keep Good Records: Keep records of all medical expenses, including bills, receipts, and claim forms. This will make it easier to track your expenses and file claims.


Q: What types of health insurance are available in Pakistan?

A: Private, government-funded, and micro-health insurance is Pakistan’s primary type of health insurance.

Q: How do I choose the right health insurance plan in Pakistan?

A: Consider the coverage options, cost, network, claim process, and customer service when choosing a plan in Pakistan.

Q: How can I make the most of my health insurance coverage in Pakistan?

A: Use preventive care, take advantage of discounts, stay in-network, and keep good records of medical expenses.

Q: What is micro-health insurance in Pakistan?

A: Micro-health insurance is designed to be affordable for low-income individuals and families, typically with lower coverage limits and higher deductibles.

Q: What is the process of filing claims for Pakistan’s health insurance?

A: The process varies depending on the insurance company and the plan. Read the fine print and keep records of all medical expenses for filing claims


In conclusion, Health Insurance is an essential part of our lives, so we must be careful when choosing it. There is no denying that health insurance comes with many perks, like, for instance, access to medical care. But there are times when medical expenses go beyond one’s budget, leaving no savings left for other expenditures. This is where health insurance comes into play. It acts as a buffer between you and the cost of medical care, thus saving you from the trouble of being unable to pay for your treatment

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