Pakistan’s Health Card Scheme, popularly known as the Sehat Card, is evolving and fast. The government’s latest move integrates insurance coverage and free outpatient department (OPD) services into the program, aiming to broaden healthcare access for millions.
This expansion promises to ease the financial burden on low-income families and transform everyday medical care across multiple cities.
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Background of the Sehat Card Scheme
Launched as a lifeline for vulnerable citizens, the Sehat Card initially covered inpatient hospital treatments, including surgeries and specialized care entirely free of charge. Over time, it extended to numerous public and private hospitals, allowing patients choice and flexibility.
However, the absence of outpatient benefits meant many families still faced significant out-of-pocket expenses for routine checkups, medicines, and diagnostic tests. Recognizing this gap, the government has now broadened the scheme’s reach.
New Developments: Insurance and OPD Services
August 2025 ushers in a new chapter. The Sehat Card now offers:
- Insurance Coverage: Patients no longer need to pay upfront in private hospitals. The program directly settles bills, removing financial hassles and risks.
- Free OPD Services: Daily essentials like doctor consultations, lab tests, and medicines are now free in selected districts a first for the program.
- Gradual Rollout: Starting in well-equipped urban areas, with plans to expand as infrastructure develops.
Situation in Punjab
Punjab’s health landscape has shifted noticeably this year. The Universal Health Insurance (UHI) for public hospitals was discontinued by June 2025, stirring concerns about reduced access for marginalized communities.
Despite this, specialized initiatives like the Child Heart Surgery Programme remain active, and insurance-based OPD services are slated to launch in major cities, aiming to mitigate impact and maintain healthcare access.
Situation in Khyber Pakhtunkhwa (KP)
KP is at the forefront of Sehat Card expansion, already providing free OPD services in districts such as Mardan, Malakand, Kohat, and Chitral. Both public and private healthcare providers participate, including rural health units.
Services cover consultations, lab work, medicines, and even hospital admissions when needed, under a unified insurance umbrella. Plans to cover the entire province by 2026 underline KP’s leadership role.
Public Response
The announcement has drawn mixed but hopeful reactions. Many citizens applaud the relief from chronic illness costs and day-to-day medical expenses.
Yet, experts caution that increased patient volumes could strain hospitals. Transparency, timely reimbursements, and efficient management will be critical to the program’s success.
Challenges Ahead
Despite its promise, the program faces hurdles:
- Sustained Funding: Ensuring steady financial support is crucial to prevent service disruptions.
- Hospital Preparedness: Staff, equipment, and infrastructure must scale up to meet rising demand.
- Public Awareness: Many eligible people remain unaware or unsure of how to utilize the expanded services.
How to Avail the New Services
To benefit from the insurance and OPD upgrades, citizens should:
- Confirm Eligibility: Send your CNIC to the official helpline via SMS or check online.
- Visit Designated Facilities: Bring your CNIC to partner hospitals or health units.
- Carry Required Documents: CNIC for yourself and family proof (B-Form, etc.) as needed.
Final Words
The expansion of the Sehat Card to include insurance and OPD services is a landmark in Pakistan’s healthcare journey. While implementation varies between provinces like Punjab and KP, the core goal is shared: making quality healthcare affordable and accessible for all.
If managed wisely, this initiative can ease financial burdens, encourage early disease detection, and ultimately improve the nation’s health.
FAQS Related Health Card Scheme Expands Insurance Integration Revealed
Some common questions Related Health Card Scheme Expands Insurance Integration Revealed
What is the health card project in Pakistan?
Government program providing free healthcare to low-income families.
Which is the largest health insurance scheme?
Sehat Card Scheme.
Which disease is covered by the Sehat card?
Major surgeries, chronic diseases, maternity, and many serious illnesses.
How does health insurance work in Pakistan?
Patients get a health card; hospitals bill the insurer directly no upfront payment needed.