Pakistan Health Insurance

Medicare and Medicaid are not available in Pakistan. However, Pakistan does have its own government-funded health insurance program, called Seat Shaula Program (SSP).

This program is designed to provide health insurance coverage to low-income families, providing them with access to basic and emergency health care services in government hospitals and dispensaries across the country. The program is funded by Pakistan's government but is administered by private companies. This health insurance program covers medical costs for up to 30 days following admission to a hospital, and covers mental health services, primary health care, consultations with doctors, and laboratory tests.

The program also covers preventive health care services such as immunizations and screening tests.

Living in Pakistan can be a daunting prospect; the country is constantly dealing with social unrest, power cuts, and a lack of basic healthcare services. It is not uncommon to find that medical establishments are few and far between, which makes navigating the healthcare system in the country a real challenge.

Fortunately, there are ways in which you can protect yourself and your family from the financial burdens that come with receiving medical treatment.

Health Basic Things

Health insurance in Pakistan can provide a comprehensive and cost-effective way to guarantee yourself and your family receive the medical treatment they need.

Most health insurance plans in Pakistan are offered by individual companies.

These companies will provide you with a range of healthcare benefits, such as inpatient and outpatient services, doctor visits, and prescription drug coverage. Some policies can also be tailored to include coverage for dental, vision, and maternity care, or even coverage for medical evacuation. Depending on the plan you choose, some may additionally provide cash payments in the event of hospitalization or death.

When choosing a health insurance plan, it is important to compare the different packages on offer. You should pay particular attention to the co-pay requirements, the co-insurance rate, and the deductibles as you compare.

The Health Situation in Pakistan

Pakistan is home to one of the world's fastest growing populations, with a population of approximately 204 million people. Unfortunately, health problems remain a significant concern in Pakistan. Poverty, malnutrition, lack of access to health care, and poor health habits are some of the many issues that the population faces, leading to a disproportionate burden of disease.

Maternal and infant mortality are particularly pressing issues for the region, as Pakistan has one of the highest maternal mortality rates in the world.

According to UNICEF, there are a staggering 169 maternal deaths for every 100,000 births in Pakistan. In addition, neonatal mortality averages at 41 deaths per 1000 live births. These figures are particularly alarming when compared to global averages: a global average of 211 maternal deaths per 100,000 live births and a neonatal mortality rate of 18 deaths per 1000 live births.

Malnutrition is also a significant issue in Pakistan. A 2017 Global Nutrition report indicates that 35.6 percent of all children under the age of five are stunted; this figure is more than twice the global average of 17.9 percent. Similarly.

Pakistan has a Global acute malnutrition rate of 22.5 percent in children under the age of five, more than double .

Insurance Basic Templates


With increasing number of vehicles on the road, the need to protect oneself from vehicle related losses has become very important.

Vehicle insurance is a type of insurance that provides protection against financial losses arising from motor accidents. Having a vehicle insurance in Pakistan is mandatory according to the Traffic Laws.

Pakistan, being a developing country, has remained largely un-serviced in matters related to vehicle insurance. The few existing providers suffered from a lack of trust and confidence, and most of the available plans lacked in comprehensive coverage and customer service.

Recently, the insurance sector has seen an influx of new players who are providing dedicated services to the people of Pakistan. These reasonably priced services are helping the people to get the best coverage for their vehicles. The companies have come up with innovative products to meet the customer’s requirements at competitive rates.

Vehicle insurance plans provide coverage for any financial losses arising from an accidental damages and in case of theft or burglary.

It is important to purchase vehicle insurance to ensure that you and your vehicle are fully covered in case of an unfortunate event.

Suspend These Section Area

It is important to compare different policies available in the market to understand the level of coverage and prices. Most companies are known to offer add-ons along with the basic policy management department.


The Pakistani insurance regulator, the Securities and Exchange Commission of Pakistan (SECP), has suspended the articles of incorporation of a number of insurance companies, according to an announcement issued by the regulator.

The notification states that the suspension of the articles of incorporation has been done pursuant to Section 136 of the Companies Act 2017.

The suspension notice was issued by the SECP following reviews of the books and accounts of the insurance companies and the activities of the companies including the survey reports submitted by the Territory Insurance Officers.

The insurance companies mentioned in the notice include: United Insurance Company Ltd, Universal Insurance Сompany Ltd, Pak Reinsurance Company Limited, Central Insurance Ltd and My Home Insurance Company Ltd.

The SECP has directed the relevant companies to move to court for rectification and is also continuing investigations into the companies and their activities.