Sehat Card Treatment Limit 2026 – PKR 10 Lakh Free Surgeries
Detailed breakdown of PKR 1,000,000 annual Sehat Card coverage limit in Pakistan. Covered heart bypass, cancer chemo, dialysis, delivery, and neurosurgery.
Written by:Syeda Fatima Zahra·Reviewed by:Editorial Review Board
How to Check or Verify: Sehat Card Treatment Limit 2026 – PKR 10 Lakh Free Surgeries
The Sehat Sahulat Card provides PKR 1,000,000 (10 Lakh) annual indoor medical insurance per family. Coverage is divided into Priority Treatment (PKR 400,000 for heart surgeries, cancer chemotherapy, renal dialysis, neurosurgery) and Secondary Care (PKR 60,000 per admission for general surgeries, maternity delivery, and accidents) with reserve top-up funds.
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Official Fee Schedule & Delivery Ledger (2026)
Verified government rates and turnaround timeframes across processing tiers
| Service Type / Document | Normal | Urgent | Executive / Fast | Validity / Period |
|---|---|---|---|---|
Annual Family Insurance Limit | PKR 1,000,000 / Year | 100% Cashless | State Life Insurance Corp | Annual Renewable |
Step-by-Step Application Process
Official step sequence under 2026 civic regulations
Pre-Authorization at Hospital Desk
Hospital sends digital request to State Life for cashless approval.
Detailed Guide & Verified Procedures
Breakdown of treatment limits and medical packages on Sehat Card.
Social Welfare & BISP Verification Lead
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Verified legal, operational & portal clarifications
Sehat Card covers indoor hospital admissions (overnight stays and major daycare surgeries). Routine outpatient (OPD) clinic checkups are excluded.
Prerequisite & Related Civic Services
Civic documents and portals citizens frequently require alongside this process
BISP 8171 Check Online by CNIC 2026: Benazir Kafaalat, PMT Score & Payment Status
To check BISP eligibility and quarterly payment status in 2026, visit the official 8171 web portal at 8171.bisp.gov.pk or text your 13-digit CNIC (without dashes) to 8171. Families with a verified Proxy Means Test (PMT) score of 32 or below (extended to 37 for households with registered disabled members) receive the quarterly Benazir Kafaalat unconditional cash transfer of PKR 14,500 (enhanced in 2026 from PKR 13,500 / 10,500). Cash is collected via biometric thumb verification at designated Bank Alfalah or HBL BISP facilitation campsites.
NADRA FRC Guide 2026: Apply Online for Family Registration Certificate
Family Registration Certificate (FRC) is an official NADRA document validating your family tree records. It comes in 3 types: By Birth (with parents & siblings), By Marriage (with spouse & children), or By Adoption. Official fee is PKR 1,000. Online applications submitted via id.nadra.gov.pk deliver a verified PDF document directly to your email within hours.
Sehat Card Eligibility Checker 2026 – Check Status by CNIC & 8500 SMS
To check Sehat Card eligibility: (1) SMS your 13-digit CNIC without dashes to 8500 to receive instant family status, or (2) Enter your CNIC in our navigator to copy and verify on the official Prime Minister Health Program portal (pmhealthprogram.gov.pk). Covers up to PKR 1,000,000/year for inpatient treatment.
PSER Survey Status Checker 2026 – Punjab Socio-Economic Registry
To check PSER status: (1) Enter your 13-digit CNIC in our navigator, (2) Click 'Copy CNIC', and (3) Click 'Open Official PSER Portal' (pser.punjab.gov.pk) to view your verified household score and qualify for Kisan Card, Himmat Card, and Apni Chhat schemes.
Sehat Card Eligibility Check by CNIC 2026: 8500 SMS, Online Portal & Next Steps
To check your family's Sehat Card eligibility in 2026, send your 13-digit CNIC number (without dashes) via SMS to 8500 or verify on pmhealthprogram.gov.pk. No physical card is needed; your original CNIC functions directly as your health card for up to PKR 1,000,000 in free annual inpatient treatment at over 1,000 empaneled hospitals nationwide. If marked ineligible or not found, register for an NSER Dynamic Registry survey at your nearest BISP Tehsil office.
Sehat Card Hospital List Near Me – Panel Hospitals Directory
The Sehat Sahulat Program covers over 1,000 empaneled hospitals across Pakistan, including premier private facilities like Shalamar Hospital, Doctors Hospital, Ittefaq Hospital, and major Teaching Hospitals. Patients should check the live directory exclusively on the official government portal pmhealthprogram.gov.pk by selecting their Province and District. No physical card is required; your original CNIC grants cashless admission at the hospital Sehat desk.
How to Apply for Sehat Sahulat Card – Family Registration Guide
Citizens do not need to apply for or wait to receive a physical plastic health card. Under official national health directives, no physical Sehat Card is mailed; your original computerized CNIC (or B-Form for children) functions directly as your health card at all empaneled hospitals. Eligibility is drawn automatically from NADRA's Family Registration Database (FRC) and NSER records. To ensure full family coverage, update your marital status at NADRA and register computerized B-Forms for all minor children.
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