Punjab ke permanent residents ek universal health insurance ke haqdar hain jise Sehat Card / Health Insurance Program ke naam se jaana jaata hai. Card CNIC ke saath active hota hai aur empaneled hospitals mein cashless treatment ka haq deta hai.
Programme Ka Status
| Indicator | Detail |
|---|---|
| Programme | Punjab Health Insurance Program (PHIP) |
| Administrator | Punjab Health Initiative Management Company (PHIMC) |
| Helpline | 0800-07542 (24/7) |
| Eligibility | Permanent Punjab residents (CNIC-based) |
| Treatment delivery | Empaneled hospitals (mostly private) |
| Reference | phimc.punjab.gov.pk |
Note: Public hospitals mein SSP direct service bandi ho gayi hai aur empaneled private hospitals ke zariye delivery ho rahi hai — Dawn news ke mutabiq.
Cover Treatments
- Inpatient hospitalization (surgical + medical).
- Maternity care — normal, cesarean deliveries, newborn care.
- Cardiac procedures — angioplasty, by-pass.
- Cancer treatment — chemotherapy, radiotherapy, surgery.
- Kidney dialysis, transplant eval / surgery ke case-by-case.
- Accidents & emergency surgeries.
- Diagnostic tests during inpatient episodes.
- ICU / CCU stay.
Cosmetic procedures, elective non-medical interventions aur non-empaneled hospitals ki services cover nahi hain.
Empaneled Hospital Verification
- PHIMC website par visit karein: phimc.punjab.gov.pk
- “Hospital Network” tab mein district select karein.
- List mein nearby private empaneled hospitals dikh jayenge.
- Patient ko admit hone se pehle phone par verify karein.
- Hospital ki Sehat Card counter par CNIC se verify karein.
Treatment Ka Process
- Hospital choose karein PHIMC network se.
- CNIC le jaayein — patient ki + family head ki.
- Hospital ki Sehat Card counter par jaayein admission se pehle.
- Counter staff eligibility verify karti hai.
- Eligibility confirm hone par treatment start hoti hai.
- Discharge par hospital ka cost PHIMC ko settle hoti hai.
Emergency Mein Kya Karein
Emergency mein patient ki safety first. Hospital discharge ke baad 0800-07542 par call karke reimbursement instructions samjhein. Non-empaneled hospital ki emergency settlement conditional aur pre-approved hoti hai.
Eligibility Verify Karne Ke Tareeqe
| Tareeqa | Procedure |
|---|---|
| Web Portal | CNIC daal kar check — phimc.punjab.gov.pk |
| Phone Helpline | 0800-07542 par CNIC number dein |
| Hospital Counter | Visit any empaneled hospital for in-person check |
| SMS Service | Publish per — verify latest short code |
Frequently Asked Questions
Q: Kya Government hospitals mein abhi covered hai?
Dawn news ke mutabiq public hospitals mein programme band ho gaya hai. Empaneled private hospitals mein active rahe.
Q: Kya family head ka CNIC zaroori hai?
Haan — family definition ke liye CNIC-based record checking hoti hai.
Q: Maternity cover kis size tak hai?
Inpatient maternity, NICU aur postpartum stay covered hain.
Q: Agar cover nahi hai toh kya karoon?
PHIMC helpline 0800-07542 par complaint / clarification karein.
Q: Hospital ne treat kar diya but bill de diya — kiya karein?
Bill dispute helpline par raise karein aur documentation submit karein.
📝 About the Author: Adeel Khan — Senior News Writer at SARTE International. Health beat reporter. More about our team →
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Disclaimer: Programme ki status, empaneled hospital list aur treatment scope waqt-be-waqt update hoti hai. Always re-confirm via PHIMC ke toll-free helpline 0800-07542 aur official portal. SARTE International kisi bhi medical decision ya claim settlement ki guarantee nahi deta.
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