What is the Sehat Card?
The Sehat Card (Sehat Sahulat Programme) is a public health insurance scheme that pays for specified inpatient treatment at empanelled public and private hospitals. Eligible families receive a card or are registered by CNIC and can be admitted without paying up to the annual coverage limit.
Typical coverage
- Hospital admission and many surgeries.
- Maternity-related care and some emergency treatment.
- Defined packages for major conditions at empanelled hospitals.
Outpatient visits, routine medicines and non-empanelled hospitals are usually not covered. Exclusions apply, so ask the hospital help desk before admission.
How to use the programme
- Confirm your family's eligibility using the official method announced by your provincial health department.
- Go to an empanelled hospital and carry your original CNIC and B-form for children.
- Ask for the Sehat help desk, which verifies you and opens the case.
- Keep copies of admission and discharge papers.
Avoiding scams
The programme is free. Do not pay agents for registration and do not share your OTP or PIN with anyone. CalcuHub does not issue cards.
Planning for medical costs? Use the loan EMI calculator to see what a medical loan would cost.
Tips before hospital admission
- Ask whether the hospital is empanelled and whether your treatment is covered before you are admitted.
- Carry original CNIC for adults and B-form for children.
- Do not pay for items the programme covers; ask the help desk to explain charges.
- Keep copies of the discharge summary and bills.
- If a hospital refuses a covered treatment, ask for the reason in writing and contact the helpline.
What to do if you are not covered
If your family is not eligible, look at charity hospitals and government hospitals that offer free or subsidised care. Zakat-funded programmes like the Rehmat Card support widows and orphans. Plan for medical costs in your budget using the salary calculator, and see financing costs with the loan EMI calculator.
Healthy habits that reduce risk
Keep a healthy weight (check with the BMI calculator), exercise regularly, avoid tobacco, and get blood pressure and sugar checked yearly. Farmers can also read about the Kissan Card and students about the scholarships guide. Browse all government schemes.
Frequently asked questions
What does the Sehat Card cover?
Programmes under this name generally cover inpatient hospital treatment at empanelled hospitals, up to an annual family limit. The limit and covered services vary by province and period, so check the official announcement for your area.
How do I check if my family is eligible?
Eligibility has typically been checked by sending a CNIC number by SMS to the number announced for the programme, or at an empanelled hospital help desk. Use only the official number published by your provincial health department.
Which hospitals accept the card?
Only hospitals on the official empanelled list. Ask the hospital help desk before admission.
Is there a fee to get the card?
No. Do not pay anyone for a Sehat Card.