Sehat Card Plus Programme 2026 Overview

The Sehat Card Plus Programme 2026 stands as a landmark achievement in Pakistan’s healthcare history, providing universal health coverage to every permanent resident of Khyber Pakhtunkhwa. As we move through 2026, the program has matured into a seamless digital system where your CNIC serves as your gateway to free medical treatment. It is specifically designed to ensure that no family in the province falls into poverty due to unexpected medical emergencies or expensive surgeries.

“Khyber Pakhtunkhwa ke har shehri ke liye muft ilaj ab aik haqiqat hai.”

By the start of 2026, the program had expanded its network to include over 700 top-tier public and private hospitals across Pakistan. This means a resident of KP can receive high-quality treatment not just within their province, but also in major cities like Islamabad, Lahore, and Karachi. 

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What Is the Sehat Card Plus Programme?

The Sehat Card Plus is a cashless health insurance scheme that offers free indoor patient (IPD) services to millions of families. Each eligible family is provided with a health insurance limit of up to Rs. 1 million per year, covering everything from basic surgeries to complex procedures. Since the program is “cashless,” patients do not need to pay anything at the hospital; the government pays the bills directly to the medical facility on behalf of the citizen.

“Ye card aapki sehat ki zamanat aur mushkil waqt ka sathi hai.”

Beyond basic healthcare, the “Plus” in the program signifies its extra benefits, which include high-cost treatments like heart surgeries, cancer therapy, and even organ transplants. It is a digital-first initiative where eligibility is automatically verified through NADRA records. Whether it is a routine delivery or a life-saving kidney transplant, the Sehat Card Plus ensures that financial status never becomes a barrier to receiving the best possible medical care.

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Who Is Eligible for Sehat Card Plus in 2025

Eligibility for the Sehat Card Plus is incredibly simple. In 2025, the program follows a “Universal Coverage” model. This means:

“Khyber Pakhtunkhwa ka har wo shehri jis ke paas apna CNIC hai wo iska haqdar hai.”

• Permanent Residents: Anyone whose CNIC shows a permanent address within Khyber Pakhtunkhwa.
• Family Based: The head of the family, as registered in NADRA records, along with their spouse and children, are all covered.
• No Income Limit: Unlike other social programs, you don’t need to be below a specific poverty line; it is for everyone in the province.

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Key Health Benefits Provided by Sehat Card Plus

The financial coverage under this program is substantial, offering up to Rs. 1 million (10 Lakh) per family per year. Key benefits include:

“Bari se bari bemari ka ilaj ab muft aur asan ho gaya hai.”

• Indoor Patient Department (IPD): Coverage for all treatments that require hospital admission.
• Emergency Services: Life-saving treatments in case of accidents or sudden illnesses.
• Specialized Treatments: Includes Cardiology (Stents/Bypass), Oncology (Cancer), and Dialysis.
• Organ Transplants: Covers expensive procedures like Liver and Renal (Kidney) transplants and Cochlear implants.
• Maternity Care: Full coverage for normal deliveries and C-sections.

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Required Documents for Online Application

While most residents are already registered via NADRA, keeping your documents ready helps in case of data updates:

“Aapko sirf chand ahem kaghazat ki zaroorat hogi taake registration mukammal ho.”

1. Valid CNIC: Must be updated and not expired.
2. NADRA Family Registration Certificate (FRC): To ensure all family members are linked.
3. Active Mobile Number: To receive verification codes and status updates.
4. B-Form: For children under the age of 18.

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Step-by-Step Guide to Apply Online

If you are a resident of KP but your data isn’t showing up, follow these steps:

1. Check Status: Send your CNIC number to 8570 via SMS.
2. Visit Portal: Go to the official Sehat Card Plus or State Life Insurance portal.
3. Update NADRA: If your family members are missing, visit the nearest NADRA office to update your Family Tree.
4. Helpline Assistance: Call 0800-01001 for guidance if the online system doesn’t recognize your identity.

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Verification Process After Application Submission

Once you visit a hospital, the verification process is quick:

• Hospital Counter: Visit the “Sehat Sahulat Counter” at any empaneled hospital.
• Biometric Verification: The patient or the family head provides a thumb impression.
• Admission: Once the system confirms the available balance (limit), the patient is admitted for cashless treatment.

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How to Check Sehat Card Status Online

The easiest way to check if you are eligible is through your phone:

“Apne mobile phone se sirf aik message ke zariye apni ahliat janain.”

• SMS Method: Type your 13-digit CNIC and send it to 8570.
• Mobile App: Download the “Sehat Card Plus” app from the Play Store to see the list of empaneled hospitals and your remaining balance.
• Web Portal: Enter your CNIC on the sehatcardplus.gov.pk website for a detailed status report.

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Common Issues During Application & Their Solutions

“Agar koi masla darpesh ho toh ghabrain nahi, iska hal mojud hai.”

Common Issue	Simple Solution
“Record Not Found”	Ensure your permanent address on CNIC is within KP. Visit NADRA for an address update.
Family Member Missing	Get a fresh Family Registration Certificate (FRC) from NADRA.
Card Blocked/Inactive	Call the Sehat Card helpline or visit the District Medical Officer’s office.
Balance Limit Reached	For life-saving cases, the hospital can request a “Buffer Fund” from the government.

Final Summary

The Sehat Card Plus Programme 2026 is more than just insurance; it is a shield against poverty and illness. With over 700 empaneled hospitals across Pakistan, KP residents can now travel to major cities like Islamabad or Lahore for specialized care without worrying about the cost. It is a world-class model of social welfare that has set a high standard for healthcare in the entire region.

“Sehat Card Plus aapke aur aapke khandan ke liye aik naya tohfa hai.”

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