By | May 17, 2021

Health insurance Pakistan covers and provides all the medical assistance during an emergency.

In under developing countries like Pakistan health insurance is essential for everyone. It behaves like a shield in an emergency.

There are many health insurance companies in Pakistan.

Why do I need health insurance?

Health insurance provides financial protection in times of medical emergencies.

Health insurance offers cashless treatment across a network of hospitals in Pakistan that are on the panel of insurance companies and covers pre and post-hospitalization expenses (including OPD, lab tests, etc), and provides lab discounts.

What does health insurance cover? 

All your medical needs ranging from diseases to Maternity cover.

It covers you against the costs incurred as a result of illness and accident.

The true value of best health insurance in Pakistan is in the access to quality healthcare that it offers you at the time of an acute, unforeseen medical emergency, such as a heart attack, an accident, or the onset of cancer; emergencies that require costly treatment and can set back a family’s finances by many years.

It also covers the treatment of day-to-day ailments that undervalue the worth of such a product and unnecessarily increase health costs.

HOW DOES HEALTH INSURANCE WORK?

Health insurance provides you medical coverage.

A health insurance plan in Pakistan covers for your hefty healthcare bills.

A health insurance plan in Pakistan can protect you from paying hefty healthcare bills.

To explain it further,  it can financially assist you to pay for different types of medical care services including doctor visits, hospital stays, medicinal drugs, medical tests, and many other healthcare facilities.

As discussed, medical insurance protects you from paying the full amount of medical bills when you’re ill or injured.

This means you may only have to pay a certain percentage of the total cost for the medical services you’re availing of.

Putting it in numbers,  out of 100 percent of your doctor’s fee, you may only be paying 20 percent of it, the rest 80 percent will be covered by your medical insurance policy in Pakistan.

However, the share of financial coverage you may receive depends on the type of health insurance policy you have chosen.

Many insurance companies in Pakistan offer affordable and competitive health plans these days. So, we’ll now learn more about different types of medical insurance plans in Pakistan and their benefits.

TYPES OF HEALTH INSURANCE PLANS IN PAKISTAN

Based on various healthcare factors and other criteria, the popular types of health plans in Pakistan offered by some country’s very famous insurance companies have been listed as under:

  • Individual Health Insurance
  • Family Health Insurance
  • Corporate Health Insurance
  • Accidental Insurance

INDIVIDUAL HEALTH INSURANCE

Individual health insurance for a type of health insurance policy in Pakistan that you buy on your own.

As the name suggests, this plan provides medical coverage for only one person.

It is one of those types of health insurance policies in Pakistan that work best for you if you don’t want to go for a group insurance coverage plan usually provided by individual employers and large-scale organizations.

FAMILY HEALTH INSURANCE In PAKISTAN 

You can apply for family health insurance in Pakistan if you also want medical coverage for your immediate families like your spouse and children.

The amount you pay as a monthly premium usually depends on the size of your family and the policy’s term and condition.

Keep all these factors in mind to pick the right option among the available health insurance policies in Pakistan.

CORPORATE HEALTH INSURANCE 

Corporate health insurance is also known as employee health insurance. As discussed, it is a type of group insurance coverage in Pakistan offered by individual employers or organizations to their company staff members.

It is usually outsourced to different famous insurance companies in Pakistan. The monthly, b-annual, or annual premiums for these health plans are usually deducted from the salaries of employees.

Most of the types of employee health insurance in Pakistan only cover medical emergencies and minor hospital checkups.

ACCIDENTAL HEALTH INSURANCE

Accidental health insurance is also one of the most popular types of medical insurance plans in Pakistan.

Like medical insurance, it also helps you pay for your hospitalization and other healthcare expenses but only in the case of an accidental injury.

However, this medical insurance plan may not cover self-imposed injuries and suicidal acts.

HOW TO CHOOSE THE RIGHT MEDICAL INSURANCE PLAN IN PAKISTAN

Research thoroughly and compare the available options before buying a health insurance policy in Pakistan.

One of the most important tips on how to choose the right medical insurance plan in Pakistan is to research thoroughly.

Prepare a list of health insurance companies in Pakistan that you think are the best.

Compare their plans, cost, and the benefits they offer. Find out which of the aforementioned types of medical insurance policies in Pakistan.

Also, check for the available options for Islamic health insurance in Pakistan as per your religious beliefs.

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