Sehat insaf Card || What is sehat insaf card || How to apply for sehat insaf card || Eligibility For Sehat Insaf card
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| Sehat Insaf card: Eligibility criteria for apply a sehat insaf card |
Introduction to sehat insaf card:
- Sehat
Sahulat Program is a health insurance initiative of the Federal Government
of Pakistan in partnership with the provincial Governments.
- The
goals of the Sehat Sahulat Program are to improve the health status of the
population, especially the poor, and to reduce poverty through a reduction
in out-of-pocket (OOP) expenditure on health care.
- Under
this program, those having a Sehat Insaf Card are entitled to free health
services in case they are admitted to a hospital. Currently, outpatient
(OPD) services are not covered.
- Every provincial government is managing their Sehat Sahulat program under their own management structures. For detailed information about the provincial programmes, please follow the links provided on this page.
Are
you eligible for Sehat Insaf Card?
Sehat
Sahulat Program
ICT, Former FATA, AJK, Punjab, Balochistan
* All residents of Khyber
Pakhtunkhwa are already enrolled in KP's Sehat Card Plus Programme.
Check Eligibility (Other than KP)
How to check sehat insaf card eligibility?
Check your Eligibility:
SMS your National Identity
Card Number to 8500, to check your eligibility in the program.
Entitlement
- Sehat
Sahulat Program was launched to ensure access to health services for
people living below the national poverty line. The poor families were
identified through the data of the Benazir Income Support Programme. Those
with a poverty score of 32.5 or lesser were entitled to a Sehat Insaf
Card
- Now
different provinces are adopting a different entitlement strategies. For
example, the Government of Khyber Pakhtunkhwa has covered 100% of the
province's population under the programme. Similarly, 100% population of
erstwhile FATA districts will be covered under the scheme
- Since
different provinces have different proportions of population coverage, it
is advisable that you check your entitlement under your respective
provincial scheme.
- You
can check your eligibility by following this
link.
You can also get detailed information by calling the Sehat
Helpline on 0800 09009 or 0800 89898
Benefits Package
(Diseases
covered)
- A benefits package refers to a list of diseases covered under an insurance programme.
Since Sehat Sahulat Programme is a health insurance scheme, it has a
defined benefits package.
- The
benefits package varies from province to province. Generally, it covers
almost all the surgical procedures and medical diseases for which hospital
admission is required. Currently, the various provincial streams of the Sehat
Sahulat Programme do not cover outpatient (OPD) services. The Provincial
Government of Khyber Pakhtunkhwa is planning to cover OPD services on an
experimental basis in four districts in 2021
*
Wage-loss replacement will start from the second day of hospitalization.
* Maternity allowance will be paid for the need for transportation after childbirth.
* Transportation allowance will be paid in case a person is referred by a
secondary care hospital to a tertiary care hospital.
* Funeral allowance will be paid to the family if a member dies during hospital
admission.
- For
a detailed list of diseases and procedures covered under the different
provincial streams of the Sehat Sahulat Programme, follow the link for each provincial programme.
You can also get detailed information by calling the Sehat
Helpline on 0800 09009 or 0800 89898
Financial protection
(Financial coverage)
- Sehat
Sahulat Programme was launched to enable the poor population to utilize
health services without further impoverishment due to spending on
healthcare.
- Since
inpatient care is associated with higher spending, with the potential to make
people poor, these services were covered under the scheme.
- The
different provincial streams for Sehat Sahulat Programmes have different
limits for treating secondary and tertiary care.
- The
programmes also provide financial assistance in the form of wage loss
during treatment, maternity allowance, travel allowance and financial
support to a family for funeral if death happens during hospital
admission.
* Wage-loss replacement
will start from the second day of hospitalization.
* Maternity allowance will be paid for need of transportation after a
childbirth.
* Transportation allowance will be paid in case a person is referred by a
secondary care hospital to a tertiary care hospital.
* Funeral allowance will be paid to family if a member dies during a hospital
admission.
For further details, download the brochure
Hospitals
(Panel Affairs)
- Like other
insurance schemes, Sehat Sahulat Programme has a list of predefined
hospitals where the Sehat Insaf Cardholders can utilize the services.
These are called panel hospitals.
- If you are
seeking secondary care for minor illnesses, you will be treated at a panel
hospital within your district. Suppose a treatment is not possible at a panel hospital in your district. In that case, the insurance staff will refer you to a bigger
hospital in another city, and the treatment will be provided under the
programme.
- With the exception
of an emergency like a road traffic accident, if you go to a panel
hospital outside your district without a referral letter, your treatment
may be refused under the scheme, and you will have to pay for your own
treatment.
- Every
programme maintains its own list of panel hospitals. The list of hospitals
changes from time to time. Therefore, you should always check if the
hospital you are visiting is currently on the panel.
- If you
receive treatment outside the panel hospitals, the programme will not pay
for this treatment. You will have to pay from your pocket.
- Check
hospitals by clicking on the following link.
Sehat
Sahulat Program
Panel Hospitals
Sehat Insaf card FAQS:
My health card has expired.
How to get a new card?
- Health card does not
expire. The card's expiry date is automatically extended every year
The health card is in the name
of my parents. Can I get myself treated in it?
Yes, if you are unmarried.
If you are married, you
cannot be treated on your parent's card
My name is not included in the health benefits program. How do I register?
There is no enrollment
process in the Health Facilitation Program. -If you are from Khyber
Pakhtunkhwa, every family will get their card in about two to eight months as
announced by the Khyber Pakhtunkhwa government.
Does this card cover all types
of diseases?
-This scheme does not
include any kind of OPD treatment -Other than that, the treatment not
covered in this scheme is available in the download section.
If the card is not used, will
the amount on it be paid?
no way. The card can only
be used for hospitalization and treatment. No refund will be provided in case
of non-utilization