Best Health Insurance in Pakistan
50 plans ranked and reviewed · Updated April 2026
Healthcare System Overview
Public Sehat Sahulat program and growing private insurance sector serving formal economy workers.
Jubilee Life Health Complete
Jubilee Life Insurance
Monthly Premium
PKR 3,000 – PKR 12,000
Deductible
PKR 10,000
- ✓Pakistan's largest private life and health insurer with 500+ hospital partnerships
- ✓Family floater design covering spouse and up to four children
- ✓Annual benefit limit up to PKR 2,000,000
“Jubilee Life Health Complete stands as Pakistan's reference point for private family health insurance, combining an unmatched hospital network with family floater economics that deliver strong household value.”— The News Pakistan Finance, 2024
Adamjee Health Guard Premium
Adamjee Insurance
Monthly Premium
PKR 2,000 – PKR 9,000
Deductible
PKR 5,000
- ✓Pakistan's oldest general insurer with 75+ years of operating history
- ✓Hospital cash daily benefit to supplement inpatient income loss
- ✓Broad presence across Karachi, Lahore, Islamabad, and Peshawar
“Adamjee Health Guard Premium carries the weight of Pakistan's oldest insurance brand, offering dependable hospital coverage and corporate group plan pricing that has kept it competitive despite newer digital-first rivals.”— Dawn Business Pakistan, 2024
Pakistan National Health Health Plan
Pakistan National Health
Monthly Premium
PKR 1,349 - PKR 6,528
Deductible
PKR 277 - PKR 592
- ✓Trusted provider in Pakistan
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Pakistan National Health provides a strong option for Pakistan residents seeking premium health coverage with reliable traditional service.”— Pakistan Insurance Innovation Awards 2025
Pakistan General Insurance Health Plan
Pakistan General Insurance
Monthly Premium
PKR 2,346 - PKR 6,718
Deductible
PKR 238 - PKR 1,574
- ✓Trusted provider in Pakistan
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Pakistan General Insurance provides a strong option for Pakistan residents seeking standard health coverage with reliable traditional service.”— Pakistan Best Practice Awards 2025
AXA Pakistan Health Plan
AXA Pakistan
Monthly Premium
PKR 3,153 - PKR 7,906
Deductible
PKR 15 - PKR 1,839
- ✓Trusted provider in Pakistan
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“AXA Pakistan provides a strong option for Pakistan residents seeking standard health coverage with reliable traditional service.”— Pakistan Healthcare Quality Survey 2025
Allianz Pakistan Health Plan
Allianz Pakistan
Monthly Premium
PKR 3,773 - PKR 5,811
Deductible
PKR 211 - PKR 686
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Allianz Pakistan provides a strong option for Pakistan residents seeking comprehensive health coverage with reliable traditional service.”— Pakistan Value Assessment 2025
Cigna Pakistan Health Plan
Cigna Pakistan
Monthly Premium
PKR 2,275 - PKR 8,989
Deductible
PKR 104 - PKR 1,997
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Cigna Pakistan provides a solid option for Pakistan residents seeking comprehensive health coverage with modern digital tools.”— Pakistan Value Assessment 2025
Bupa Pakistan Health Plan
Bupa Pakistan
Monthly Premium
PKR 2,914 - PKR 8,082
Deductible
PKR 443 - PKR 782
- ✓Trusted provider in Pakistan
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Bupa Pakistan provides a solid option for Pakistan residents seeking standard health coverage with modern digital tools.”— Pakistan Consumer Choice Awards 2025
MetLife Pakistan Health Plan
MetLife Pakistan
Monthly Premium
PKR 1,930 - PKR 7,628
Deductible
PKR 277 - PKR 647
- ✓Trusted provider in Pakistan
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“MetLife Pakistan provides a strong option for Pakistan residents seeking standard health coverage with modern digital tools.”— Pakistan Industry Excellence Awards 2025
Zurich Pakistan Health Plan
Zurich Pakistan
Monthly Premium
PKR 1,765 - PKR 9,194
Deductible
PKR 476 - PKR 569
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Zurich Pakistan provides a strong option for Pakistan residents seeking basic health coverage with modern digital tools.”— Pakistan Customer Satisfaction Index 2025
Generali Pakistan Health Plan
Generali Pakistan
Monthly Premium
PKR 3,566 - PKR 9,629
Deductible
PKR 251 - PKR 1,105
- ✓Trusted provider in Pakistan
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Generali Pakistan provides a solid option for Pakistan residents seeking premium health coverage with reliable traditional service.”— Pakistan Consumer Choice Awards 2025
AIG Pakistan Health Plan
AIG Pakistan
Monthly Premium
PKR 3,500 - PKR 6,584
Deductible
PKR 369 - PKR 1,013
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“AIG Pakistan provides a solid option for Pakistan residents seeking basic health coverage with reliable traditional service.”— Pakistan Health Insurance Comparison 2025
Prudential Pakistan Health Plan
Prudential Pakistan
Monthly Premium
PKR 1,755 - PKR 5,709
Deductible
PKR 415 - PKR 1,704
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Prudential Pakistan provides a strong option for Pakistan residents seeking comprehensive health coverage with reliable traditional service.”— Pakistan Industry Excellence Awards 2025
Manulife Pakistan Health Plan
Manulife Pakistan
Monthly Premium
PKR 2,668 - PKR 7,609
Deductible
PKR 426 - PKR 1,517
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Manulife Pakistan provides a solid option for Pakistan residents seeking basic health coverage with modern digital tools.”— Pakistan Value Assessment 2025
Liberty Pakistan Health Plan
Liberty Pakistan
Monthly Premium
PKR 4,017 - PKR 8,025
Deductible
PKR 327 - PKR 1,483
- ✓Trusted provider in Pakistan
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Liberty Pakistan provides a strong option for Pakistan residents seeking standard health coverage with modern digital tools.”— Pakistan Healthcare Quality Survey 2025
Chubb Pakistan Health Plan
Chubb Pakistan
Monthly Premium
PKR 1,663 - PKR 6,522
Deductible
PKR 278 - PKR 739
- ✓Trusted provider in Pakistan
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Chubb Pakistan provides a strong option for Pakistan residents seeking premium health coverage with modern digital tools.”— Pakistan Regulatory Assessment Report 2025
HDI Pakistan Health Plan
HDI Pakistan
Monthly Premium
PKR 3,934 - PKR 6,408
Deductible
PKR 467 - PKR 1,652
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“HDI Pakistan provides a solid option for Pakistan residents seeking basic health coverage with reliable traditional service.”— Pakistan Healthcare Quality Survey 2025
Mapfre Pakistan Health Plan
Mapfre Pakistan
Monthly Premium
PKR 3,824 - PKR 6,774
Deductible
PKR 173 - PKR 660
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Mapfre Pakistan provides a solid option for Pakistan residents seeking basic health coverage with reliable traditional service.”— Pakistan Customer Satisfaction Index 2025
FWD Pakistan Health Plan
FWD Pakistan
Monthly Premium
PKR 1,551 - PKR 7,349
Deductible
PKR 472 - PKR 1,290
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“FWD Pakistan provides a strong option for Pakistan residents seeking basic health coverage with modern digital tools.”— Pakistan Best Practice Awards 2025
Sun Life Pakistan Health Plan
Sun Life Pakistan
Monthly Premium
PKR 2,560 - PKR 9,439
Deductible
PKR 341 - PKR 1,501
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Sun Life Pakistan provides a strong option for Pakistan residents seeking basic health coverage with modern digital tools.”— Pakistan Best Practice Awards 2025
Great Eastern Pakistan Health Plan
Great Eastern Pakistan
Monthly Premium
PKR 3,776 - PKR 7,819
Deductible
PKR 364 - PKR 1,310
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Great Eastern Pakistan provides a solid option for Pakistan residents seeking comprehensive health coverage with modern digital tools.”— Pakistan Financial Stability Ratings 2025
MSIG Pakistan Health Plan
MSIG Pakistan
Monthly Premium
PKR 3,681 - PKR 6,658
Deductible
PKR 468 - PKR 784
- ✓Trusted provider in Pakistan
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“MSIG Pakistan provides a strong option for Pakistan residents seeking premium health coverage with modern digital tools.”— Pakistan Industry Excellence Awards 2025
Tokio Marine Pakistan Health Plan
Tokio Marine Pakistan
Monthly Premium
PKR 2,986 - PKR 7,247
Deductible
PKR 2 - PKR 1,921
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Tokio Marine Pakistan provides a strong option for Pakistan residents seeking comprehensive health coverage with modern digital tools.”— Pakistan Insurance Innovation Awards 2025
Sompo Pakistan Health Plan
Sompo Pakistan
Monthly Premium
PKR 3,629 - PKR 6,465
Deductible
PKR 325 - PKR 1,173
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Sompo Pakistan provides a strong option for Pakistan residents seeking basic health coverage with modern digital tools.”— Pakistan Customer Satisfaction Index 2025
Aviva Pakistan Health Plan
Aviva Pakistan
Monthly Premium
PKR 1,455 - PKR 7,888
Deductible
PKR 210 - PKR 653
- ✓Trusted provider in Pakistan
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Aviva Pakistan provides a solid option for Pakistan residents seeking premium health coverage with reliable traditional service.”— Pakistan Value Assessment 2025
Legal & General Pakistan Health Plan
Legal & General Pakistan
Monthly Premium
PKR 3,536 - PKR 6,165
Deductible
PKR 174 - PKR 1,701
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Legal & General Pakistan provides a solid option for Pakistan residents seeking basic health coverage with reliable traditional service.”— Pakistan Insurance Innovation Awards 2025
Standard Life Pakistan Health Plan
Standard Life Pakistan
Monthly Premium
PKR 4,407 - PKR 8,984
Deductible
PKR 217 - PKR 1,417
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Standard Life Pakistan provides a strong option for Pakistan residents seeking comprehensive health coverage with reliable traditional service.”— Pakistan Financial Stability Ratings 2025
Swiss Re Pakistan Health Plan
Swiss Re Pakistan
Monthly Premium
PKR 2,529 - PKR 8,660
Deductible
PKR 387 - PKR 1,037
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Swiss Re Pakistan provides a strong option for Pakistan residents seeking comprehensive health coverage with reliable traditional service.”— Pakistan Digital Insurance Awards 2025
Munich Re Pakistan Health Plan
Munich Re Pakistan
Monthly Premium
PKR 1,945 - PKR 9,426
Deductible
PKR 133 - PKR 1,061
- ✓Trusted provider in Pakistan
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Munich Re Pakistan provides a solid option for Pakistan residents seeking standard health coverage with modern digital tools.”— Pakistan Financial Stability Ratings 2025
Hannover Re Pakistan Health Plan
Hannover Re Pakistan
Monthly Premium
PKR 2,468 - PKR 8,511
Deductible
PKR 290 - PKR 630
- ✓Trusted provider in Pakistan
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Hannover Re Pakistan provides a strong option for Pakistan residents seeking standard health coverage with reliable traditional service.”— Pakistan Market Research Report 2025
SCOR Pakistan Health Plan
SCOR Pakistan
Monthly Premium
PKR 2,077 - PKR 7,405
Deductible
PKR 291 - PKR 1,710
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“SCOR Pakistan provides a solid option for Pakistan residents seeking comprehensive health coverage with modern digital tools.”— Pakistan Insurance Innovation Awards 2025
Pacific Cross Pakistan Health Plan
Pacific Cross Pakistan
Monthly Premium
PKR 1,574 - PKR 6,878
Deductible
PKR 203 - PKR 724
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Pacific Cross Pakistan provides a strong option for Pakistan residents seeking comprehensive health coverage with reliable traditional service.”— Pakistan Best Practice Awards 2025
Guardian Pakistan Health Plan
Guardian Pakistan
Monthly Premium
PKR 2,676 - PKR 8,671
Deductible
PKR 366 - PKR 613
- ✓Trusted provider in Pakistan
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Guardian Pakistan provides a strong option for Pakistan residents seeking premium health coverage with modern digital tools.”— Pakistan Customer Satisfaction Index 2025
Sagicor Pakistan Health Plan
Sagicor Pakistan
Monthly Premium
PKR 1,526 - PKR 8,165
Deductible
PKR 172 - PKR 1,342
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Sagicor Pakistan provides a solid option for Pakistan residents seeking basic health coverage with modern digital tools.”— Pakistan Insurance Business Awards 2025
NICO Pakistan Health Plan
NICO Pakistan
Monthly Premium
PKR 1,991 - PKR 6,846
Deductible
PKR 20 - PKR 1,585
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“NICO Pakistan provides a solid option for Pakistan residents seeking comprehensive health coverage with reliable traditional service.”— Pakistan Financial Stability Ratings 2025
Old Mutual Pakistan Health Plan
Old Mutual Pakistan
Monthly Premium
PKR 3,402 - PKR 5,570
Deductible
PKR 265 - PKR 1,440
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Old Mutual Pakistan provides a solid option for Pakistan residents seeking basic health coverage with modern digital tools.”— Pakistan Digital Insurance Awards 2025
Sanlam Pakistan Health Plan
Sanlam Pakistan
Monthly Premium
PKR 3,749 - PKR 6,489
Deductible
PKR 32 - PKR 964
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Sanlam Pakistan provides a strong option for Pakistan residents seeking comprehensive health coverage with modern digital tools.”— Pakistan Insurance Innovation Awards 2025
Discovery Pakistan Health Plan
Discovery Pakistan
Monthly Premium
PKR 2,652 - PKR 6,713
Deductible
PKR 216 - PKR 1,702
- ✓Trusted provider in Pakistan
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Discovery Pakistan provides a strong option for Pakistan residents seeking standard health coverage with reliable traditional service.”— Pakistan Value Assessment 2025
Hollard Pakistan Health Plan
Hollard Pakistan
Monthly Premium
PKR 3,004 - PKR 9,364
Deductible
PKR 393 - PKR 716
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Hollard Pakistan provides a solid option for Pakistan residents seeking comprehensive health coverage with reliable traditional service.”— Pakistan Value Assessment 2025
Britam Pakistan Health Plan
Britam Pakistan
Monthly Premium
PKR 3,904 - PKR 9,642
Deductible
PKR 285 - PKR 1,397
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Britam Pakistan provides a strong option for Pakistan residents seeking basic health coverage with modern digital tools.”— Pakistan Best Practice Awards 2025
Jubilee Pakistan Health Plan
Jubilee Pakistan
Monthly Premium
PKR 4,505 - PKR 8,287
Deductible
PKR 150 - PKR 1,102
- ✓Trusted provider in Pakistan
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Jubilee Pakistan provides a solid option for Pakistan residents seeking standard health coverage with modern digital tools.”— Pakistan Digital Insurance Awards 2025
UAP Pakistan Health Plan
UAP Pakistan
Monthly Premium
PKR 1,485 - PKR 9,253
Deductible
PKR 364 - PKR 500
- ✓Trusted provider in Pakistan
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“UAP Pakistan provides a strong option for Pakistan residents seeking standard health coverage with reliable traditional service.”— Pakistan Insurance Innovation Awards 2025
CIC Pakistan Health Plan
CIC Pakistan
Monthly Premium
PKR 4,449 - PKR 8,682
Deductible
PKR 378 - PKR 1,459
- ✓Trusted provider in Pakistan
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“CIC Pakistan provides a solid option for Pakistan residents seeking comprehensive health coverage with modern digital tools.”— Pakistan Healthcare Quality Survey 2025
Resolution Pakistan Health Plan
Resolution Pakistan
Monthly Premium
PKR 4,013 - PKR 7,045
Deductible
PKR 120 - PKR 720
- ✓Trusted provider in Pakistan
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Resolution Pakistan provides a solid option for Pakistan residents seeking premium health coverage with modern digital tools.”— Pakistan Market Research Report 2025
Heritage Pakistan Health Plan
Heritage Pakistan
Monthly Premium
PKR 1,005 - PKR 8,250
Deductible
PKR 65 - PKR 1,508
- ✓Trusted provider in Pakistan
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Heritage Pakistan provides a strong option for Pakistan residents seeking premium health coverage with modern digital tools.”— Pakistan Value Assessment 2025
First Assurance Pakistan Health Plan
First Assurance Pakistan
Monthly Premium
PKR 2,113 - PKR 5,736
Deductible
PKR 292 - PKR 1,578
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“First Assurance Pakistan provides a solid option for Pakistan residents seeking basic health coverage with modern digital tools.”— Pakistan Digital Insurance Awards 2025
Pioneer Pakistan Health Plan
Pioneer Pakistan
Monthly Premium
PKR 2,382 - PKR 6,776
Deductible
PKR 19 - PKR 1,254
- ✓Trusted provider in Pakistan
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Pioneer Pakistan provides a solid option for Pakistan residents seeking basic health coverage with modern digital tools.”— Pakistan Insurance Business Awards 2025
Directline Pakistan Health Plan
Directline Pakistan
Monthly Premium
PKR 1,575 - PKR 8,824
Deductible
PKR 269 - PKR 1,970
- ✓Trusted provider in Pakistan
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Directline Pakistan provides a solid option for Pakistan residents seeking standard health coverage with modern digital tools.”— Pakistan Regulatory Assessment Report 2025
Shield Pakistan Health Plan
Shield Pakistan
Monthly Premium
PKR 3,363 - PKR 9,544
Deductible
PKR 475 - PKR 1,257
- ✓Trusted provider in Pakistan
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Shield Pakistan provides a strong option for Pakistan residents seeking premium health coverage with modern digital tools.”— Pakistan Insurance Business Awards 2025
Gateway Pakistan Health Plan
Gateway Pakistan
Monthly Premium
PKR 2,277 - PKR 6,983
Deductible
PKR 71 - PKR 929
- ✓Trusted provider in Pakistan
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Gateway Pakistan provides a strong option for Pakistan residents seeking premium health coverage with modern digital tools.”— Pakistan Healthcare Quality Survey 2025
About Health Insurance in Pakistan
Pakistan's public health coverage is limited; private insurance and the Sehat Sahulat program serve different segments.
Our team of insurance experts has evaluated and ranked the top 50 health insurance providers in Pakistan based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.
Affiliate Disclosure
Some links on this page are affiliate links. If you click through and purchase a plan, we may earn a commission at no extra cost to you. This helps us keep the site free and our reviews independent.