Sehat Sahulat Program / Sehat Insaf Card – Free Healthcare Benefits & How to Apply (2026 Guide)
This guide explains what the Sehat Sahulat Program is, who can get the Sehat Insaf Card, how to check eligibility, how to apply, and how to use free healthcare services in Pakistan.
1. What Is the Sehat Sahulat Program?
The Sehat Sahulat Program (SSP), also known as the Sehat Insaf Card, is a government-funded health insurance scheme for deserving families in Pakistan.
Under this program:
Eligible families get free medical treatment
Treatment is available at government and private hospitals
The government pays hospital bills, not the patient
This program is supported by:
Federal Government
Provincial Governments (Punjab, KP, Sindh, Balochistan, AJK, GB – scope may vary)
📌 The card works like a health insurance card, but it is completely free.
2. Who Can Use the Sehat Insaf Card?
The program is designed for low-income and deserving families.
Eligible People Include:
✔ Families registered in NSER / BISP database
✔ Poor and vulnerable households
✔ Widows and female-headed families
✔ Persons with disabilities
✔ Elderly citizens
✔ Daily wage workers
📌 One card covers the entire family, not just one person.
3. Sehat Sahulat Program Eligibility Criteria (2026)
You may be eligible if:
✔ You are a Pakistani citizen
✔ You have a valid CNIC
✔ Your family is listed in NSER / BISP data
✔ Your income is below poverty threshold
✔ You are not a regular taxpayer or high-income earner
You May Be Ineligible If:
❌ You are a government employee (high grade)
❌ You own large business or property
❌ Your poverty score is above the limit
❌ CNIC is expired or blocked
⚠️ Eligibility depends on province and government policy.
4. What Medical Services Are Covered?
A. Major Treatments (Fully Free)
Heart surgeries
Cancer treatment (chemotherapy, radiotherapy)
Kidney dialysis
Organ transplant (where approved)
Brain and spinal surgeries
Serious accidents and trauma care
B. General & Hospital Services
Hospital admission
Operation and surgery
Medicines during hospital stay
ICU and emergency services
Medical tests related to treatment
📌 No hospital bill is paid by the patient.
5. Treatment Coverage Limit
Each eligible family receives:
Annual health coverage (amount decided by government)
Separate limits for:
General treatment
Major illnesses
📌 Once limit is used, card resets next year (policy based).
6. Documents Required for Sehat Insaf Card
Usually, no separate application documents are required if you are already eligible.
However, keep these ready:
Original CNIC
CNIC copy
B-Form (for children, if asked)
⚠️ CNIC must be valid and unexpired.
7. How to Check Sehat Sahulat Card Eligibility
Method 1: Check via SMS (Most Common)
Open mobile SMS
Type your CNIC number (without dashes)
Send to 8500
You will receive SMS reply showing:
Eligible
Not eligible
Contact helpline
Method 2: Online Eligibility Check
Open official Sehat Sahulat portal
Enter CNIC number
Submit
Eligibility status will appear on screen.
Method 3: Visit Sehat Sahulat Desk
You can check eligibility at:
Designated hospitals
Sehat Sahulat offices
BISP offices (in some areas)
8. How to Apply for Sehat Insaf Card (Step by Step)
📌 In most cases, no separate application is required.
Step-by-Step Process:
Step 1: Check Eligibility
Confirm eligibility using:
SMS 8500
Online portal
Step 2: Visit Authorized Hospital
Go to any panel hospital under Sehat Sahulat Program.
Step 3: CNIC Verification
Show your original CNIC
Hospital checks eligibility online
Step 4: Get Treatment
If eligible:
You are admitted
Treatment starts
Government pays hospital directly
9. How to Use Sehat Insaf Card at Hospital
Go to Sehat Sahulat desk at hospital
Show CNIC
Biometric or CNIC verification
Hospital confirms coverage
Receive free treatment
📌 Card may be digital (CNIC-based) or physical (province-based).
10. Online vs Offline Process
Online:
✔ Eligibility check
✔ Hospital verification
Offline:
✔ Hospital visit
✔ Treatment and admission
📌 There is no online treatment process.
11. Common Mistakes to Avoid
❌ Using expired CNIC
❌ Visiting non-panel hospitals
❌ Paying hospital staff illegally
❌ Believing agents or fake SMS
❌ Ignoring eligibility messages
⚠️ Treatment is 100% free. Do not pay anyone.
12. Frequently Asked Questions (FAQs)
Q1: Is Sehat Insaf Card totally free?
Yes. No registration or treatment fee.
Q2: Can private hospitals be used?
Yes, but only panel hospitals.
Q3: Is the card valid all over Pakistan?
Depends on province and policy.
Q4: Can children use the card?
Yes. Family coverage includes children.
Q5: What if CNIC is expired?
You must renew CNIC first.
Q6: Can ineligible people apply manually?
No. Eligibility is system-based.
13. Conclusion
The Sehat Sahulat Program / Sehat Insaf Card is one of Pakistan’s most important welfare initiatives, providing free healthcare to millions of deserving families.
Key Points to Remember:
✔ CNIC-based eligibility
✔ No application fee
✔ Free treatment at panel hospitals
✔ Covers serious and expensive diseases
✔ Use only official channels (8500)
If you are eligible, this program can save your family from huge medical expenses and ensure proper healthcare.
