Sehat Card Plus is CM Punjab's universal health insurance programme — every Punjab-domiciled family is covered for up to Rs. 1,000,000 per year in hospitalisation costs at over 1,500 empanelled hospitals across the province, with no premium to pay.
Check Your Sehat Card Plus Eligibility
The CM Punjab Sehat Card Plus (also called Punjab Health Card) provides free hospitalisation coverage of up to Rs. 1,000,000 per family per year for residents of Punjab. Unlike many CM Punjab schemes, Sehat Card Plus has near-universal coverage — the programme aims to cover all registered households in Punjab regardless of income level, with vulnerable households getting additional coverage tiers.
To check your eligibility and existing card status, go to sehatcard.punjab.gov.pk and enter your CNIC. If your CNIC is linked to a Punjab household in the government's database, you're likely already registered — the programme auto-enrolls through NADRA's household data. Check before applying separately.
Enrol If Not Already Registered
If the portal shows no Sehat Card linked to your CNIC, you need to register. Options:
BISP/Ehsaas registration desk: For BISP-registered families, the Sehat Card is typically issued automatically. If BISP-registered but no card, visit the nearest BISP desk with your CNIC and ask for Sehat Card linkage.
Tehsil Municipal Administration (TMA) or Union Council: Visit your nearest local government office with your CNIC and family CNIC/B-Forms. Registration camps are periodically organised by the Punjab Health Authority across districts — check for upcoming camps through the Punjab Health Authority's social media or by calling 0311-7786-080.
The registration process is simple: your CNIC links to your family members' CNICs and B-Forms, creating a household record for the Sehat Card coverage.
Download or Receive Your Sehat Card
Once registered, your Sehat Card can be accessed in two ways:
Digital card: Log in to sehatcard.punjab.gov.pk and download your digital card as a PDF. The digital card on your phone's screen is accepted at all enrolled hospitals — you don't need a physical card.
Physical card: Some households receive physical Sehat Cards through BISP distribution events or local government camps. If you prefer a physical card, enquire at your nearest TMA or Union Council office.
The card shows your family's annual coverage amount, the enrolled family members, and the list of enrolled hospitals. Keep it accessible — hospital emergency situations are exactly when you need this quickly.
Use the Sehat Card at an Enrolled Hospital
When admitted to a hospital for treatment, present your Sehat Card (digital or physical) and your CNIC at the hospital's Sehat Card desk. Every enrolled hospital has a dedicated Sehat Card counter.
The hospital verifies your card online through Punjab Health Authority's system. If eligible, your treatment is covered under the scheme — the hospital bills PHA directly and you pay nothing. Covered treatments include surgeries, ICU care, maternity services, cardiac procedures, dialysis, cancer treatment, and many other secondary and tertiary care procedures.
Check the enrolled hospital list at sehatcard.punjab.gov.pk — not every hospital in Punjab is enrolled. In your district, typically the government DHQ hospital and several large private hospitals are enrolled. Emergency situations in non-enrolled hospitals can sometimes be retrospectively claimed — contact PHA's helpline 0311-7786-080 for guidance.
| Feature | Sehat Card Plus Detail |
|---|---|
| Coverage amount | Up to Rs. 1,000,000 per family per year |
| Family covered | Husband, wife, and dependent children |
| Who qualifies | All Punjab-domiciled families (universal since 2021) |
| How card works | Biometric — thumbprint at hospital, no cash needed |
| Empanelled hospitals | 1,500+ public and private hospitals across Punjab |
| Procedures covered | 600+ including cardiac surgery, cancer, dialysis |
| What is excluded | OPD, routine check-ups, cosmetic procedures |
| Renewal | Automatic — no action needed |
Application and Eligibility Problems
Register at your nearest Union Council or TMA office with your complete family's CNIC/B-Form details. Registration for Sehat Card is straightforward and typically completed the same day.
Not all hospitals are enrolled. Check sehatcard.punjab.gov.pk for the enrolled hospital list in your district before a non-emergency admission. For emergencies, use the nearest enrolled hospital — the PHA helpline (0311-7786-080) can guide you to the nearest one.
The Rs. 1,000,000 annual limit resets on your registration anniversary date. Families with high medical needs may exhaust the annual limit — once exhausted, standard hospital charges apply until the annual reset. Some critical illness treatments have separate higher coverage under special provisions.
Family members must be formally linked to your household registration. Visit the TMA or Union Council with all family CNICs/B-Forms to update your household record and add missing members.
Frequently Asked Questions
Sehat Card Plus primarily covers inpatient (hospitalisation) treatment. Outpatient consultations and pharmacy costs are generally not covered. Check the PHA website for the current covered treatment package, as the scope has been expanded in recent years.
Yes — many large private hospitals in Punjab are enrolled in Sehat Card Plus. The enrolled hospital list is at sehatcard.punjab.gov.pk. The treatment must be at an enrolled facility for the card to be accepted.
The standard coverage is Rs. 1,000,000 per family per year. Some conditions (cancer, chronic kidney disease requiring dialysis, cardiac surgery) may have higher specific coverage limits under special provisions. Check PHA's current coverage package for details.
Yes — maternity services including normal delivery, C-section, and neonatal ICU care are covered under Sehat Card Plus at enrolled hospitals.
Standard Sehat Card Plus coverage is for enrolled hospitals within Punjab. Treatment at hospitals in other provinces is generally not covered unless the hospital is a specifically enrolled centre for procedures not available in Punjab.