Why Get HealthCare Insurance?

Sudden illnesses and diagnosis can blindside you. Here’s the average cost of a major surgery: 

Heart Bypass: 500, 000
Angioplasty: 450, 000
Cancer: 300, 000 

Hospital bills drain the staunchest of savers. This is why you need good health insurance. A health insurance policy is a guarantee. A comprehensive cover that covers all your hospital expenses, ensures you get the best doctors and medical treatment, and provides for your diagnostic and other medical expenses once you’ve left the hospital. 

What is Family HealthCare?

Unlike personal healthcare, family healthcare insurance policies protect your whole family including you, your spouse and upto 4 children. If you take out a policy at the value ‘PKR 500, 000’ all your family members will be given extensive hospital and medical coverage of upto PKR 500, 000 at any given time. These policies are also extremely beneficial if more than one family member falls sick or needs proper care and treatment and the same time as the policy covers all the medical expenses.

Best Health Insurance Plans

Great endowment - life insurance

In-Out Hospital Coverage

Full medical expense coverage during and after your stay at the hospital.

Whole Life Insurance

In-Depth Medical Review

Get the best physicians in the world to review and diagnose your medical reports.

Fast Claims

Credit Limit Hospitalization Process

Choose an in-network hospital and don’t pay a single dime upfront or otherwise.

Online Portal

Choose Your Own Room

Choose between general, semi-private, and private rooms

Withdrawal Plans

Strong Hospital Network

A carefully selected, top-quality network of the best hospitals in the country. Over 170+ hospitals covered.

Additional Riders

Emergency International Coverage

Coverage for hospital bills and medical expenses outside of Pakistan.

In-Patient Hospitalization


Major Expenses 

Coverage for room, general nursing, ICU/CCU & operation theatre charges.

Medical Tests & Doctor’s Fee

Coverage for doctor/surgeon’s fee and in-hospitalization tests including lab tests.

Supplies and Medications 

Coverage for all medicines and supplies including oxygen and blood supplies. 

Day Care Treatment

No Overnight Stay Required 

Charges covered for treatments that don’t require the patient to stay overnight at the hospital including angioplasty, endoscopy, dialysis etc. 

Three Major Expensive Tests 

Three important tests (CT Scan, MRI, and Thallium) are covered for out-patients. No requirement for hospitalization.

Pre-Hospitalization & Post-Hospitalization 

Full coverage for all your medical/lab tests, consultations and diagnostic reports. 

Day Care Treatment

Extra Coverage Included

extra coverage healthcare

Ambulance Cover

Ambulance cover for transporting the patient to the hospital.

Pre-Existing Condition

Coverage for pre-existing conditions after the policy crosses 4+ years. 

Multiple Enrollment Discounts

10% discount on the treatment of the third member if 3 or more members of the same family are enrolled in the hospital.

What is the Difference Between Personal HealthCare and Family HealthCare?

Personal healthcare insures a single individual. Family healthcare packages cover a family unit (including your spouse and 4 children). Here’s an example. Let’s assume you’ve taken a cover for PKR 100, 000. Depending on the individual healthcare package you’ve taken you’ll receive a coverage amounting up to PKR 100, 000. Any hospital bill exceeding the insured limit will have to be footed by you. 

In contrast, with family health care, if you take out a cover of PKR 350, 000 for your family unit, no matter who gets hospitalized, the total coverage given will be equivalent to PKR 350, 000. 

Personal HealthCare Plans are cheaper, and more customizable. But if you’re thinking of taking out an insurance policy for your whole family, you should choose family healthcare as it offers better coverage.

Additional Information

Here are some additional pointers to help you make a solid and well-informed decision. 

  • Silver, Gold, and Platinum Options: Most Healthcare insurance policies come with 3 tiers. Each tier is priced differently. Silver plans come with the lowest premium and offer less coverage while Platinum Plans come with higher premiums and offer more coverage.
    Protip: Discuss all your needs and requirements with an agent thoroughly before choosing your plan.
  • Age Restrictions: The plans insure people up to the age of 59 years. For family healthcare plans the starting age limit for the youngest family member insured is 90 days.
  • Government Taxes:Most price illustrations listed are government tax inclusive. In any case, always check with the insurance company before signing on the dotted line.
  • Increase Annual Limit When You Want:Your ‘annual limit’ is the amount of coverage (PKR) you get. For example, someone with an annual limit of PKR 350, 000 will get coverage for medical expenses of up to PKR 350, 000 for that year. Any expense above that will have to be covered by the policyholder himself. Luckily, the policyholder can choose to set a higher annual limit for greater protection at any given time during the life of the policy.
  • Maturity Benefit: If your policy completes 2+ years with zero claims being made the company increases your annual limit by 10% without any additional charges involved.