Health Insurance

More than 70 percent of the people in Pakistan, including many underprivileged, seek better quality health care in the private sector and pay out of pocket. This imposes extra financial burden on the underprivileged, resulting in inequitable access to quality health care and relevant services including emergency services, mother and child health care. To empower this underserved fragment of the nation BISP has launched the Health Insurance Scheme through cashless and paperless, Benazir Sehet Card through State life Insurance Corporation. Initially in pilot phase, about fifty thousand beneficiary families have been enrolled in District Faisalabad and would be scaled up soon in other Districts each in all provinces / regions of Pakistan. Following are the salient features of the initiative:

  • A community based organization was contracted for distribution of Health Insurance Package and for conducting Information, Education and Communication (IEC) campaign on advocacy/utilization of Benazir Sehet Card.
  • Patient with Benazir Sehet Card goes to Health Facilitation Officer (HFO) nominated by SLIC at the BISP Health Desk in defined empanelled hospital.
  • HFO identifies beneficiary by entering BSC number to the SLIC website which shows family tree. The patient is marked from the family tree. The patient is referred to duty doctor of the hospital. If the admission is required, the patient is admitted after verification of available amount in the BSC.
  • At the time of discharge, the patient receives a computerized bill and the service charges are deducted from the account of the user.
  • Benazir Sehet Card is a cashless coverage and no claim / re-imbursement is required by the user beneficiary family.
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