Introduction
Did you know that 70% of Pakistanis pay medical expenses out of pocket, leading to financial stress? Health insurance can save you from unexpected medical bills. Here are the 10 best health insurance companies in Pakistan 2025 which have become great sources that are available for people when they need them in their crucial situations. Moreover, when it comes to health, then health insurance is the best financial product that can help people cover the costs in case they or their family members experience a medical emergency.
Considering this, it is clear that in today’s world, health insurance is a critical investment, as medical expenses continue to rise and healthcare has become increasingly expensive. However, the good news is that several health insurance companies in Pakistan are primarily built with the aim of helping people in their most crucial phase of life.
If you are in Pakistan and looking for Affordable Health Insurance Companies in Pakistan, Be sure to read this blog to the end, as it provides comprehensive details about health insurance companies.
What is Health Insurance?
Health insurance refers to the contract between a firm along with a consumer. The agreement, signed by both parties, signifies that the entity fully agreed to pay the consumer’s health-related cost in return for a monthly payment made by the consumer.
Additionally, the health insurance contract is typically a one-year agreement during which the individual is liable to pay specific costs related to diseases, injuries, pregnancy, or even preventive care. So, it is wise for every person to consider having health insurance to ensure a safe living for themselves and their family.
Top 10 Best Health Insurance Companies in Pakistan 2025
- Jubilee Life Insurance
- Adamjee Insurance
- EFU Life Insurance
- Alfalah Insurance Company
- Pak Qatar General Takaful
- Askari General Insurance Company
- State Life Insurance Corporation
- Alpha Insurance Company
- TPL Insurance
- United Insurance Company (UIC)
1. Jubilee Life Insurance
Jubilee Life Insurance was formed on June 29, 1995. It is among the best health insurance companies in Pakistan. Moreover, the organization offers a wide range of health insurance plans that are mainly designed to help out families, individuals, or even corporations when they need them.
In addition, the organization has a range of around 200 partner hospitals across the country. Their leading facilities include Shifa International, Aga Khan University Hospital, Liaquat National, and Doctors Hospital (Lahore).
Jubilee Life Best Health Insurance Plans Are As Follows:
- Inpatient Hospitalization: it includes or covers hospital stays, room & board, surgeries, ICU, and operation theater charges.
- Pre & Post-hospitalization: This plan covers the before and after hospital admissions charges.
- Maternity Advantages: The health insurance plan is usually available under particular family plans.
- Daycare Surgeries: It cover insignificant procedures that do not need any further long hospital stays.
- Emergency Care: The plan contains charges for ambulances and ER services in serious situations.
- Digital Health Card: People who have health insurance plans can get a digital card so that they can use it for easy identification and cashless access at partner hospitals.
2. Adamjee Insurance
Adamjee Insurance was created on September 28, 1960. It is also considered among the best health insurance providers across the country. It is popular for having a major share in the corporate sector because it contributes significantly to the health coverage of private-sector employees.
Despite that, it is renowned for its strong and amazing reinsurance backing, financial stability, and quick service. Its topnotch spectrum of insurance includes health insurance, fire, motor, and travel. Furthermore, Adamjee Insurance has different insurance plans, which include.
- Inpatient Coverage: It covers hospitalization charges, surgeries, ICU, consultant payments, medicines, and diagnostic tests
- Daycare Procedures: The plan’s cost covers minor surgeries that don’t need overnight stay
- Pre- and Post-Hospitalization: It covers costs that take place before and after hospitalization.
- Maternity Benefits: It is available or offered under specific family or group plans.
- Accidental & Emergency Care: It covers instant care due to accidents and serious illnesses.
3. EFU Life Insurance
EFU Life Insurance was built in 1932 as a private limited firm. The organization is committed to providing the best support to the community with its financial products and savings plans. EFU Life Insurance also has a mobile application facility known as EFU Life PlanIT. You can use this app by logging into the app and finding the information about the plans you are looking for.
It is also ISO certified for following and ensuring best practices in their industry. The firm’s hospital networks include Liaquat National Hospital, Fatima Memorial Hospital, Aga Khan University Hospital, Shifa International Hospital, Indus Hospital, etc. Furthermore, EFU Life Insurance plans can be found below:
- Inpatient Hospitalization: It covers the charges of room & board, surgery, medications, ICU, and doctor visits.
- Cashless Hospitalization: It is available at a huge network of around 300+ panel hospitals across the country.
- Pre- and Post-Hospitalization: Covered up to specified days.
- Crucial Charges: It covers the costs of ambulance and emergency services.
- Daycare Procedures: The organization offers more than 100 daycare treatments.
4. Alfalah Insurance Company
Formed in 2006, Alfalah Insurance Company has become a popular name in Pakistan due to offering reasonable insurance plans for every person. Also, the organization was recognized by the Federation of Pakistan Chamber of Commerce and Industry (FPCCI).
In addition, Alfalah Insurance offers a range of services such as motor, property, health, marine, and travel insurance. Furthermore, the firm’s health insurance plans are thoughtfully designed and formed to meet the requirements of the families, individuals, and firms. The insurance plans include:
- Inpatient Hospitalization: It contains costs of hospital stays, ICU, surgeries, and diagnostics.
- Pre & Post-Hospitalization: It includes the costs of before and after hospital stays within definite durations.
- Daycare Surgeries: It contains the costs of procedures that don’t need overnight admission.
- Maternity Advantages: The plan is offered to family and group plans but is subject to a waiting period.
- Specialist Consultations & Lab Tests: It include the coverage of inpatient and optional OPD.
- Optional OPD Cover: The plan includes the coverage of prescribed medicines, outpatient doctor visits, and diagnostics.
- Dental & Vision Advantages: It is available as add-ons or part of a greater plan
5. Pak Qatar General Takaful
Pak Qatar General Takaful is a popular organization in Pakistan that is known for its Takaful coverage. Additionally, the company offers two coverages. The first coverage is Family Takaful, and the second coverage is General Takaful. It is a great option for people seeking Shariah-compliant insurance plans.
In addition, the firm offers several general takaful products such as property, fire, health, motor, marine, travel, etc. Furthermore, the Pak Qatar insurance plans are primarily designed to ensure the provision of modern healthcare protection to people or families while making sure to stay completely within Islamic values. The organization’s insurance plans include:
- Inpatient Hospitalization: The plans covered the costs like surgeries, room charges, diagnostic tests, consultations, and medications.
- Cashless Hospitalization: The plan is available through a countrywide panel of partner hospitals.
- Pre- and Post-Hospitalization: It includes the charges of before and after admission.
- Daycare Procedures: The plan covers the expenses of particular surgical treatments. It also doesn’t need an overnight stay.
- Optional OPD Add-ons: This plan is available in corporate packages.
- Shariah-Compliant Contracts: The people contribute to a common risk as compared to paying premiums for profit.
6. Askari General Insurance Company
Founded in 1995, Askari General Insurance Company is supervised by the Securities and Exchange Commission of Pakistan (SECP). The key goal of the organization is to provide client-centric services that assist clients in making the most of the advantages of their premium payments.
Furthermore, Askari General Insurance is among Pakistan’s top health insurance Providers in Pakistan, which is known for financial integrity, superb handling, and amazing services among military workers, government employees, along with civilians. It offers numerous general insurance products like travel, marine, health, fire, motor, and engineering insurance.
Moreover, the Askari General insurance plans are mainly designed to protect families, corporate clients, or individuals from heavy medical expenses.
- In-Patient Hospitalization: The plan covers the costs such as surgical process, ICU, hospital fee, medications, anesthesia, room expenses, and diagnostics.
- Daycare Surgeries: Cover the charges for minor surgeries that do not need any overnight stays.
- Pre & Post-Hospitalization: The cost includes diagnostics along with follow-up treatment but within stated limits.
- Accidental Coverage: It covers the expenses of any serious emergency treatments like accidents.
- Maternity Assistance: it is optional under group/corporate plans. It usually covers normal delivery as well as cesarean sections.
- Optional OPD (Outpatient) Coverage: The cost of this coverage includes consultations, diagnostic labs, medications, and doctor visits.
7. State Life Insurance Corporation
State Life Insurance Corporation is one of the largest and oldest health insurance firms in Pakistan. Since its establishment, the organization has played a major role in providing financial protection or support to millions of people across the nation.
Additionally, the organization is backed by the government of Pakistan. It is well-known for its reasonable plans, huge reach, and trust among people. Furthermore, State Life offers both individual and group health insurance, medical expenses, or coverage, especially for corporate employees and the government. The company’s insurance plans include:
- Inpatient Treatment: It includes the expenses of room costs, surgeries, hospital fees, ICU, inquiries, and medicines.
- Maternity Advantages: The plan covers the costs of normal along with C-section deliveries, which are available with a waiting period.
- Dread Disease Cover: It includes the charges of severe illnesses such as heart disease and cancer.
- Reimbursement & Cashless Models: The plan is available for certain panel hospitals.
8. Alpha Insurance Company
Alpha is another prominent insurance company in Pakistan. Moreover, Alpha Insurance is a subsidiary of Start Life Insurance firm and has a huge network and more than 100 branches across Pakistan. It offers the people of Pakistan exceptional financial planning services in order to help them get better returns.
Furthermore, the organization offers a range of non-life insurance products under conventional and Takaful models or products that contain property takaful, marine takaful, aviation, motor takaful, bonds, and miscellaneous. Additionally, the firm also offers exc exceptional health insurance as part of its miscellaneous coverage, such as:
- Hospitalization
- Injury in accident
- Medical costs
- Surgeries
- ICU
- Medications
- Diagnostics.
9. TPL Insurance
Established in 2005, TPL Insurance has now become a renowned name in Pakistan due to delivering high-quality services to the people. Moreover, the organization always ensures the 24/7 availability of its services, which leads to customer satisfaction.
Furthermore, TPL Insurance is gaining popularity due to its smooth digital experience, cost-effective family coverage, and global health security. The organization offers a range of insurance plans that meet the needs of people, such as:
- Women Shield: The plan aims to ensure women’s wellness from 18-55 with coverage for almost eight distinct health problems.
- Group Health Insurance: The plans cover the employee’s medical insurance with the best health package.
- Micro Health Insurance: It covers expenses of hospital accommodation, cancer treatment, medicines utilized during the patient’s stay in the hospital, surgeries, diagnostic inquiries, ventilator services, daycare treatment, kidney dialysis, chemotherapy, radiotherapy, etc.
10. United Insurance Company (UIC)
United Insurance was formed in 1959 with the objective of educating people regarding financial management. They also introduced numerous insurance plans in order to help the public think about their safet and the safety of their family members.
In addition, United Insurance operates in different cities of Pakistan, such as Islamabad, Bahawalnagar, Faisalabad, Karachi, Abbottabad, Lahore, Bahawalpur, Gilgit-Baltistan, and Gujranwala. Furthermore, the organization offers both corporate and family best healthcare plan.
- Family Health Insurance: This plan is quite reasonable than the individual policies. It includes child care and maternity advantages along with preventive care services.
- Corporate Health Insurance: It offers instant medical care to the employees and customize plans to match the workforce requirements,
Pros and Cons of Using Insurance Companies in Pakistan
Just as every saving plan or investment option has its advantages and disadvantages, insurance also has a set of pros and cons. Get to know more about the advantages and disadvantages before you invest with insurance companies in Pakistan.
Pros
- Protection: The best feature of health insurance is that it allows you to protect yourself and your family from any financial crisis you might come across due to several incidents.
- Peace of mind: Health insurance ensures relaxation and peace of mind because you won’t have high costs or financial tensions in your life if you or your family face any health issues.
- Savings: Insurance also lets you do savings as you are not going to spend a large amount on medical costs for yourself or your family. Instead, it.keeps growing your investment.
Cons
- Cost: Insurance is quite expensive, specifically when you don’t sign up with an insurance firm.
- Coverage: An insurance plan may not entirely cover all costs, as many plans have different terms and conditions which signify their scope.
- Time-consuming: Confirming insurance is a time-consuming process as it involves extensive documentation and lengthy processing.
Why You May Need Health Insurance in Pakistan?
The best insurance companies in Pakistan are a primary need for people, as they can provide assistance during their tough times. The presence of health insurance companies brings hope to people, as they feel that their or their children’s future will be better or they will not suffer in case the elder of the family dies or becomes unable to earn.
Additionally, the following are the reasons why you may need health insurance in Pakistan:
- Life protection: Health insurance provides people with the confidence to rely on a firm whose main objective is to offer financial support when needed.
- Health coverage: Medical expenses these days have become quite expensive, due to which people sometimes feel compelled to sell their personal property and gold for it. Thus, in this situation, health insurance coverage can provide you with easy access to all the quality healthcare facilities at a minor monthly cost.
Frequently Asked Questions
Below are the FAQs about the Best Health Insurance Companies in Pakistan 2025:
Q1: Who has the best health insurance in Pakistan?
Ans: The best nationwide health insurance firm, like Jubilee Life Insurance, has the best insurance plans.
Q2: What is a good health insurance company?
Ans: A good health care insurance company is one that has health insurance plans that cover the needs of every people across the country.
Q3: What is the top 5 best health insurance?
Ans: The list of top 5 health insurance brands includes Jubilee Life Insurance, Adamjee Insurance, EFU Life Insurance, Alfalah Insurance Company, and Pak Qatar General Takaful.
Conclusion
Health insurance is indeed one of the sought-after options that people must go for in case they can afford it. It includes major costs such as hospital stays, surgeries, medications, and many more. Additionally, people who have health insurance can easily get timely medical care. So, if you are among those who have not yet gotten insurance, Nexus Ideas recommends you consult any of the above best health insurance companies in Pakistan 2025.
