KP Sehat Card Plus — Free Treatment up to Rs 10 Lakh for Every KP Family

What is KP Sehat Card Plus?

Sehat Card Plus (jise aksar sirf “Sehat Card KPK” bhi kaha jata hai) Government of Khyber Pakhtunkhwa ki universal micro-health insurance scheme hai. Yeh programme 2015/16 mein shuru hua tha aur ab poore subay ko cover karta hai — reports ke mutabiq qareeban 10.78 million khandan (34.5 million afraad) is ke tehat entitled hain, aur KP budget 2026-27 mein is ke liye Rs 41 billion rakhe gaye hain. Scheme State Life Insurance Corporation ke zariye chalti hai aur beneficiaries ka data NADRA se liya jata hai — isi liye koi alag card issue nahi hota: aapka CNIC hi aapka Sehat Card hai.

KP aur Punjab Sehat Card mein farq: dono subon ki schemes alag alag hain, un ke rules, limits aur helplines bhi mukhtalif hain. Yeh guide sirf KP Sehat Card Plus ke bare mein hai. Agar aap ke CNIC par Punjab ka address hai to aap ke liye hamari Punjab Sehat Card guide hai — is guide ke tareeqe aap par apply nahi honge.

Who is eligible?

KP Sehat Card Plus mein eligibility bohat seedhi hai — koi daftar, form ya sifarish nahi:

• Aap ke CNIC par Khyber Pakhtunkhwa ka permanent address darj ho — bas yahi bunyadi shart hai.
• Koi registration nahi — coverage automatic hai, aap ko kahin apply nahi karna.
• Koi income test ya PMT score nahi — ameer ho ya ghareeb, har KP khandan aik jitna entitled hai.
• Bachay khandan ke NADRA record (B-Form / family record) ke zariye cover hote hain.
• Aap ka CNIC valid ho aur NADRA mein aap ka family record complete ho — hospital counter par rukawat ki sab se aam wajah yahi record hota hai (tafseel neeche “What to do if something goes wrong” mein hai).

What you need at the hospital

Ilaj ke liye hospital jate waqt bas yeh cheezein sath rakhein:

• Asli CNIC — yehi aapka card hai; is ke baghair admission process shuru nahi hota.
• Bachon ke liye B-Form / family record ki tafseel — taake NADRA record se un ki shanakht match ho jaye.
• Koi application form, fees ya agent ki zaroorat nahi hai — jo shakhs “card banwane” ya “activation” ke paisay maange, woh fraud hai.

Eligibility check & treatment, step by step

Method 1: SMS se eligibility check karein (pehle yahi karein)

1. CNIC likhein — apne mobile ke SMS box mein apna 13-digit CNIC number bina dashes ke likhein.
2. 8500 ya 9780 par bhejein — yeh SMS bhejne se aap ka record NADRA data se check hota hai.
3. Jawab ka intezar karein — reply mein aap ki eligibility confirm ho jayegi. Agar jawab mein record na mile, pehle apna NADRA family record check karwayein (neeche masail wala section dekhein).

Method 2: Hospital mein ilaj karwayein

1. Empanelled (panel) hospital chunein — ilaj sirf un hospitals mein muft hota hai jo programme ke panel par hain. Panel Pakistan bhar mein hai; apne qareebi panel hospital ki tasdeeq helpline 0800-89898 se kar lein.
2. Sehat Card counter par jayein — hospital ke Sehat Card / facilitation counter par apna asli CNIC pesh karein; staff aap ka record system mein check karta hai.
3. Dakhil (admit) hon — verification ke baad aap ko admit kar liya jata hai aur ilaj ka kharcha aap ke khandan ke saalana Rs 10 lakh balance se kata jata hai — aap ko hospital ko bill ada nahi karna.
4. Discharge — discharge ke waqt hospital se apni treatment summary / record ki copy le lein, taake aap ke paas ilaj ka saboot maujood rahe.

Balance ki maloomat: apne khandan ka remaining coverage balance aur eligibility ki taaza surat-e-haal SMS check (8500 / 9780) ya helpline 0800-89898 se confirm karein.

Coverage: Rs 10 lakh — what is covered?

Har entitled khandan ko saalana Rs 10 lakh (Rs 1 million) tak ka muft ilaj milta hai. Yeh aik flat family coverage hai jo tamam entitled khandanon ke liye aik jitni hai.

Cover hone wale ilaj (inpatient only): secondary aur tertiary care — hospital mein dakhil ho kar hone wala ilaj, jismein dil (cardiac) ke operations, cancer ka ilaj, dialysis aur kidney transplant, hepatitis B/C ka ilaj, aur accidents / emergency ilaj shamil hain. Kuch khaas mehngi procedures — jaisay kidney aur liver transplant aur cochlear implants — programme ke reserved funds se cover hoti hain.

Cover nahi hai: OPD visits, routine check-up aur hospital mein dakhil hue baghair bahir se khareedi gayi dawaian is coverage mein shamil nahi hain. Ilaj se pehle hospital ke Sehat Card counter se apni procedure ki coverage confirm kar lena behtar hai.

Doosre subay mein ilaj (portability): coverage portable hai — KP ke CNIC holders Pakistan bhar ke empanelled hospitals mein ilaj karwa sakte hain, sirf KP ke andar rehna shart nahi. Jo KP families kaam ke silsile mein doosre subon mein rehti hain, woh wahin ke panel hospitals istemal kar sakti hain.

Agar Ghar Ke Kuch Afrad KP Se Hain Aur Kuch Punjab Se

Kuch khandanon mein surat-e-haal yeh hoti hai ke kuch afrad ke CNIC par KP ka permanent address hai aur kuch ke CNIC par Punjab ka. Aise mein yaad rakhein ke Sehat Card ki coverage har shakhs ke apne CNIC ke permanent address se tay hoti hai — jis ke CNIC par KP ka address hai, woh KP Sehat Card Plus ke tehat cover hai, aur us ka ilaj isi guide ke tareeqe se hoga: CNIC hi card hai, aur ilaj empanelled hospital mein hoga.

Jin afrad ke CNIC par Punjab ka permanent address hai, un par KP wale rules, limits ya helpline apply nahi hote — un ke liye Punjab ki alag scheme hai, jis ki mukammal tafseel hamari Punjab Sehat Card guide mein di gayi hai. Ghar ke har fard ke liye usi subay ki scheme dekhein jis ka address us ke CNIC par darj hai; dono schemes ko apas mein mix karne se hospital counter par confusion hi paida hogi.

What to do if something goes wrong

Hospital counter par family member ka naam na mile: sab se aam wajah NADRA family record ka incomplete hona hai — masalan shadi ke baad record update na hona, ya bache ka B-Form / family record na bana hona. Apne qareebi NADRA centre se family record durust karwayein, phir SMS check (8500 / 9780) karke dobara koshish karein.

Hospital panel par na ho: har hospital Sehat Card Plus accept nahi karta. Jane se pehle helpline 0800-89898 par call karke confirm kar lein ke woh hospital programme ke panel par hai ya nahi.

Koi agent paisay maange: is scheme mein koi registration, activation ya card ki fees nahi hai — CNIC hi card hai. Agar koi shakhs paisay maange to usay na dein aur helpline par report karein.

Punjab Sehat Card se confusion: agar aap ke CNIC ka permanent address Punjab ka hai to KP Sehat Card Plus aap ke liye nahi hai — Punjab ki scheme alag hai, us ki tafseel hamari Punjab Sehat Card guide mein hai. Aur agar aap ka address KP ka hai to Punjab wale rules, limits ya helpline aap par apply nahi hote.

Ilaj Se Pehle Ki Tayyari — Step by Step

Hospital jane se pehle yeh chand qadam tartib se kar lein to counter par rukawat ke chances bohat kam ho jate hain:

1. Pehle SMS check karein — apna 13-digit CNIC bina dashes ke 8500 ya 9780 par bhej kar eligibility confirm kar lein.
2. Panel confirm karein — hospital programme ke panel par hai ya nahi, helpline 0800-89898 par call karke pehle pooch lein.
3. Asli CNIC sath rakhein — yahi aap ka card hai; is ke baghair admission process shuru nahi hota.
4. Bachon ka record rakhein — B-Form / family record ki tafseel sath ho, taake NADRA record se match ho jaye.
5. Coverage pehle confirm karein — Sehat Card counter par apni procedure ki coverage pooch lein, phir admit hon.
6. Discharge par copy lein — treatment summary / record ki copy zaroor lein; yeh aap ke ilaj ka saboot hai.

Yeh tayyari is liye ahem hai kyunke counter par sab se aam rukawat NADRA family record ka incomplete hona hai — masalan shadi ke baad record update na hona, ya bache ka B-Form / family record na bana hona. Agar SMS check mein kisi fard ka record na mile to pehle qareebi NADRA centre se family record durust karwayein, phir dobara SMS check karke hospital jayein.

Frequently asked questions

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