Sehat Sahulat Program

What Sehat Sahulat Program does

Sehat Sahulat Program, operating under the brand State Health and managed by State Life Insurance Corporation, is Pakistan's largest government-administered health insurance platform. It administers three flagship social health programs on behalf of federal and provincial sponsors: the Prime Minister's National Health Program covering Islamabad Capital Territory, Azad Jammu & Kashmir, and Gilgit-Baltistan; Sehat Card Plus KP for Khyber Pakhtunkhwa; and the Balochistan Health Card Program. Combined, these programs have served 204.3 million+ Pakistani citizens and processed 18 million+ hospital admissions through a network of 1,000+ empaneled public and private hospitals, with coverage up to PKR 1,000,000 per family for free cashless inpatient treatment including cardiac, oncology, dialysis, maternity, and emergency care.

The underlying technology stack is a digital health insurance management platform featuring real-time eligibility verification through NADRA's national identity database (CNIC and B-Form), electronic pre-authorization tokens for cashless admissions, and the State Life Health Plus mobile application available on both Google Play and Apple App Store. An AI-powered text-based health assistant handles queries about hospitals, treatments, and coverage. Distribution relies on CNIC-based SMS shortcodes (8500 for Balochistan, 9780 for KP), 24/7 helplines, on-site Health Facilitation Officers, and partner hospitals nationwide.

The business model is hybrid. The dominant economic engine is government capitation/managed-services revenue from three government sponsors for the social programs, delivered free of charge to eligible citizens. Commercial revenue comes from a portfolio of paid subscription plans (annual billing cadence) — Sehat Zindagi, Sahara Family, Haari Plan for rural families, Sinf-e-Aahan Cancer Protection for women, Sehat Salamat and Pak Sehat Takaful for corporate employers, Health Takaful (Shariah-compliant), and a specialized Journalist & Media Worker program. Pricing for commercial plans is not publicly disclosed. The platform reports only 15 core platform/coordination staff in firmographic data, which appears inconsistent with operational scale, suggesting most program operations, claim handling, and distribution are executed through State Life Insurance Corporation's broader infrastructure.

Name

Sehat Sahulat Program

Legal name

State Health

Website

https://statehealth.com.pk

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Sehat Sahulat Program (State Health), operated by State Life Insurance Corporation, administers Pakistan's federal and provincial social health insurance programs and commercial health plans, serving 204M+ citizens through 1,000+ empaneled hospitals with NADRA-integrated digital verification and cashless treatment up to PKR 1,000,000 per family.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Health Care and Social Assistance (62), Social Assistance (624)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Government health insurance
• Social health programs
• Cashless hospitalization
• Health takaful plans
• Family health coverage

Headquarters

HQ city

Islamabad

HQ country

Pakistan

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Government-Funded Social Health Programs: Free healthcare coverage funded by federal and provincial governments for eligible citizens. State Life Insurance Corporation manages these programs as a third-party administrator.
2. Individual & Family Health Insurance: Paid health insurance plans including Sehat Zindagi, Sahara Family, and other individual plans with annual premiums

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

State Health (operating as Sehat Sahulat Program) administers and delivers health insurance coverage to Pakistani citizens through government-funded social health programs and private individual, family, and corporate health plans. Its products provide free or paid cashless inpatient treatment—including hospitalization, surgeries, cardiac and cancer care, dialysis, and maternity services—at 1,000+ empaneled hospitals across Pakistan, enabled by NADRA-linked CNIC-based real-time eligibility verification and a digital health platform with mobile app access.

Product overview

State Health operates as a comprehensive health insurance provider managed by State Life Insurance Corporation, offering a multi-tiered portfolio of health coverage solutions. The product lineup consists of individual/family health plans (Sehat Zindagi, Sahara Family), specialized products (Sinf-e-Aahan cancer cover, Haari Plan for farmers, Journalist & Media Worker program), corporate offerings (Sehat Salamat, Health Takaful), and government social programs (PM National Health Program, Sehat Card Plus KP, Balochistan Health Card Program). All products are supported by a digital platform including a mobile app with AI-powered health assistance, and access to a nationwide network of 1000+ partner hospitals serving over 204.3 million Pakistanis.

Differentiator

Problem solved

Functional benefit

Brands

• PM National Health Program: A flagship federal government initiative providing free, cashless healthcare services to eligible residents of Islamabad Capital Territory (ICT), Azad Jammu & Kashmir (AJK), and Gilgit-Baltistan (GB).
• Sehat Card Plus KP
• Balochistan Health Card Program
• Sehat Zindagi
• Sahara Family
• Haari Plan
• Sinf-e-Aahan Cancer Protection Plan
• Pak Sehat Takaful

Products and services

• PM National Health Program Federal government flagship initiative providing free cashless healthcare to permanent residents of Islamabad Capital Territory (ICT), Azad Jammu & Kashmir (AJK), and Gilgit-Baltistan (GB). Covers hospitalization, emergency care, surgeries, diagnostics, maternal care, cardiac, kidney diseases, and cancer treatment.
• Sehat Card Plus KP Provincial health insurance program providing free cashless inpatient treatment up to Rs. 1,000,000 per family for permanent residents of Khyber Pakhtunkhwa. Covers emergency care, surgeries, hospitalization, dialysis, cancer treatment, cardiac procedures, and organ transplants.
• Balochistan Health Card Program Provincial health insurance initiative by Government of Balochistan providing free cashless hospitalization up to PKR 1,000,000 per family for permanent residents with valid CNIC. Available at 47+ empaneled hospitals across Balochistan and selected partner hospitals nationwide.
• Sehat Zindagi Health Plan Comprehensive in-patient health insurance coverage for individuals aged 18-64, covering illness or accident hospitalization with cashless treatment at State Life network hospitals. Includes inpatient hospitalization, day care surgeries, and pre- and post-hospitalization costs.
• Sahara Family Health Plan Comprehensive family health insurance covering primary insured (18-64), spouse, and children (0-17) under one policy. Features cashless treatment, inpatient coverage, day care procedures, emergency ambulance, and optional maternity add-on.
• Sinf-e-Aahan Cancer Protection Plan Affordable financial protection plan for Pakistani women aged 18-64 against seven specified female cancers including breast, cervical, uterine, ovarian, fallopian tube, vaginal, and vulvar cancer. Annual renewable 1-year policy with 90-day waiting period.
• Haari Plan Specialized healthcare coverage for Pakistan's farming community providing life insurance, hospitalization support, and accident benefits. Features 5x sum-assured coverage for agricultural machinery accidents including tractors and threshers.
• Journalist & Media Worker Program Specialized health coverage program for journalists and media professionals. Eligibility check available via CNIC number verification.
• Sehat Salamat (Corporate Health Plans) Employee health benefits for corporate organizations promoting workplace well-being. Comprehensive health coverage for employees with cashless treatment across the partner hospital network.
• Health Takaful Shariah-compliant health insurance coverage providing comprehensive healthcare protection for individuals, families, and employees under Islamic insurance principles. Includes Pak Sehat Takaful for corporate employees.
• State Life Health Plus Mobile App Digital health platform mobile application available on Google Play and App Store. Features hospital locator, treatment history, claims management, AI-powered health assistance, and eligibility checking for healthcare services across Pakistan.
• Digital Health Services Modern digital platform providing access to healthcare information, hospital details, and insurance services. Features AI-powered health assistance, digital CNIC-based verification, and real-time eligibility checking.

Quantifiable outcome

• Over 204.3 million Pakistanis served across all social health programs
• +2 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles8 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• State Life Insurance CorporationcoreStrategic or Co-development PartnerState Life Insurance Corporation is the managing entity behind State Health programs. They administer government health insurance programs including PM National Health Program, Sehat Card Plus KP, and Balochistan Health Card Program. The corporation leverages its infrastructure and insurance expertise to deliver social healthcare across Pakistan.
• Federal Government of PakistancoreStrategic or Co-development PartnerThe Federal Government of Pakistan sponsors the Prime Minister's National Health Program covering Islamabad Capital Territory, Azad Jammu & Kashmir, and Gilgit-Baltistan. The program was officially relaunched on January 16, 2026.
• Government of Khyber PakhtunkhwacoreStrategic or Co-development PartnerThe provincial government funds and sponsors the Sehat Card Plus KP program, providing free cashless inpatient treatment up to Rs. 1,000,000 per family for permanent residents of Khyber Pakhtunkhwa.
• Government of BalochistancoreStrategic or Co-development PartnerThe Provincial Government of Balochistan sponsors the Balochistan Health Card Program, offering free cashless healthcare coverage up to PKR 1,000,000 per family for permanent residents of Balochistan.
• NADRAcoreTechnology or IntegrationNational Database and Registration Authority (NADRA) provides the digital verification infrastructure enabling instant eligibility checking using CNIC and B-Form records. This integration eliminates paperwork and enables real-time verification at hospital counters.
• Empaneled Hospitals (1000+)coreChannel Partner/ Reseller/ DistributorA network of over 1000 public and private hospitals across Pakistan provide cashless treatment services under State Health programs. These include corporate hospitals, social hospitals, and disease-specific specialty hospitals.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Care Health Insurance (India): One of India's leading standalone health insurers (formerly Religare Health Insurance) offering individual, family, and group health plans with a large hospital network. Comparable in product architecture, cashless network model, and emerging-market positioning to State Health's private offerings.
• Ayushman Bharat PM-JAY (India): India's flagship government-funded health insurance scheme covering 500M+ beneficiaries with cashless treatment at empaneled hospitals. Structurally the closest international analogue to Pakistan's Sehat Sahulat Program in terms of government-backed, large-scale social health insurance delivery.

Direct peers

• EFU Health Insurance: One of Pakistan's leading private health insurers offering individual, family, and corporate health plans with cashless network access. Directly competes with State Health's individual and corporate health products (Sehat Zindagi, Sehat Salamat) for the same Pakistani consumer and employer segments.
• Adamjee Insurance: One of Pakistan's largest general and health insurers offering individual and group health products with a nationwide hospital network. Comparable as a competing Pakistani health insurer targeting overlapping individual, family, and corporate customer segments.
• Jubilee Health Insurance: Major Pakistani health and life insurer providing individual, family, and corporate health coverage with cashless treatment at network hospitals. Operates as a direct competitor to State Health in the private and employer-sponsored health insurance market.
• IGI Health Insurance: Pakistani insurer offering individual, family, and corporate health plans with cashless treatment at network hospitals. Direct competitor to State Health in the private and employer-sponsored health insurance market in Pakistan.

Emerging players

• Reliance Health (formerly BIMA): Emerging-market digital health insurer operating across Africa and Asia with mobile-first, micro-insurance products. Comparable as a tech-enabled health insurer targeting underpenetrated emerging markets with low-cost, digital-first distribution.
• AsiaCare Health: Smaller Pakistani health insurance provider with growing individual and corporate health offerings. Comparable as a competing health insurer in the Pakistani market, though at smaller scale than State Health's social programs.

Broad incumbents

• State Life Insurance Corporation of Pakistan: The parent/affiliated managing entity behind State Health, State Life is Pakistan's largest life and health insurer with nationwide infrastructure, agent networks, and balance sheet that administers the Sehat Sahulat Program. It is the most direct comparable as the operating umbrella under which these programs run.

Others

• National Health Insurance Service (NHIS, South Korea): South Korea's single-payer national health insurance administrator covering the entire population with standardized benefits. Not a direct competitor but thematically relevant as a large-scale, government-anchored health insurance administrator that demonstrates end-state scale and digital health capability.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sehatsahulatofficial

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sehat Sahulat Program