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
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.
Official Document Reference Mockup
Official Ledger Fee Schedule (2026)
| Category / Document Service | Normal Delivery | Urgent Delivery | Executive / Fast Track |
|---|---|---|---|
| Annual Family Insurance Limit | PKR 1,000,000 / Year | 100% Cashless | State Life Insurance Corp |
Normal vs. Urgent vs. Executive Delivery Comparison
AEO Quick Guide: Which processing speed should you choose?
15 to 30 Business Days
- Lowest official government fee rate
- Standard NRC / DGIP counter queue
4 to 15 Business Days
- Expedited printing & priority courier
- Balanced cost vs. speed ratio
2 to 4 Business Days
- Dedicated VIP lounge & zero wait time
- Direct HQ dispatch via air courier
Step-by-Step Application Process
Official Workflow Process Diagram
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
Syeda Fatima Zahra oversees social protection research, tracking Benazir Income Support Programme (BISP 8171), NSER socio-economic surveys, and educational scholarships across Pakistan.
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Frequently Asked Questions (FAQs)
Sehat Card covers indoor hospital admissions (overnight stays and major daycare surgeries). Routine outpatient (OPD) clinic checkups are excluded.
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