The good news? Insurance companies now offer better policies, faster claims, and more affordable options for young individuals and families. Health insurance has become much easier to understand and far more flexible than it was even a few years ago. There are also good comparison sites to make the process easier. 

This guide is designed to help first-time buyers understand how health insurance works today, what’s new in 2026, and how to pick the right plan without stress.

Why 2026 Is Important for Health Insurance

Healthcare in Pakistan is changing. There are more private hospitals, and the cost of medical procedures is rising. With specialized medical treatments, expenses are increasing every year. Even routine tests and doctor visits add up faster.

We’re also seeing:

• Higher demand for affordable individual plans
• Better coverage options for parents and senior citizens
• Rising awareness about mental health and preventive care
• Faster and fully digital processes from insurers

For first-time buyers, these improvements make it easier to find a plan that fits your lifestyle without feeling confused or overwhelmed. For a more basic overview, visit our blog, Managing Healthcare in Pakistan

What’s Different About Health Insurance Going Forward

Here are the top trends that matter if you’re buying a plan for the first time:

1. Cashless Treatment Is Becoming Standard

Most major insurers are facilitating cashless hospitalization at panel hospitals. This means the insurance company settles the bill directly with the hospital, so that the insurer doesn’t need to rush around for funds during an emergency. 

This is especially useful for families who want immediate support during stressful medical situations.

2. Digital Claims and Real-Time Updates

Insurers have invested a lot in automation. Claim approvals, reimbursement tracking, policy renewal reminders, and even card issuance are handled online. This reduces the old back-and-forth paperwork that was so frustrating for many first-time buyers.

3. Preventive Health Benefits

Instead of focusing only on serious illnesses, insurers are now encouraging healthier living. Many plans include:

• Annual checkups
• Online doctor consultations
• Discounts on lab tests
• Nutrition and wellness programs

This shift allows customers to use their policy throughout the year—not only during emergencies.

4. Family Plans Are Becoming More Popular

A single policy for the entire household is now one of the most cost-effective options. These family floater plans offer a combined annual limit for spouses, children, or even parents.

How to Start Your Health Insurance Journey in 2026

If this is your first time buying a policy, here’s a simple, step-by-step approach that helps you avoid common mistakes. 

Step 1: Decide Who Needs Coverage

The first question is: Who do I include in my plan?

You can choose between:

• Yourself (individual plan)
• Yourself and spouse
• Children and parents (family plan)
• Parents only (senior coverage)

If your parents are older or have existing medical conditions, it’s best to choose a plan with a higher annual limit.

Step 2: Understand Coverage Limits

Coverage limits or the “sum insured” will determine how much your insurance company will pay in a year. In 2026, due to rising costs, a low limit can run out quickly.

Here’s a basic guideline:

• Young individuals: PKR 500,000 to PKR 1,000,000
• Couples: PKR 1–2 million
• Families: PKR 2–3 million
• Parents (55+): PKR 1.5–2.5 million

When in doubt, always choose the higher limit. This protects you from inflation and unexpected medical emergencies.

Step 3: Check the Hospital Network

A large hospital network is one of the most important things to review. It ensures:

• Access to reputable hospitals
• Faster approvals
• Easy cashless treatment
• Less paperwork

Step 4: Review Pre-Existing Conditions and Waiting Periods

If you or your family members have conditions such as diabetes, high blood pressure, thyroid issues, or asthma, you must understand how insurers handle them.

Most companies apply:

• A waiting period (usually 12–24 months)
• A loading or extra premium, in some cases
• Full or partial coverage after the waiting period

Ask your insurance advisor to share these details clearly; it will help you avoid claim rejection later.

Step 5: Compare Plans Before Deciding

Every plan is different. Prices, coverage, hospital networks, and exclusions can vary widely. Comparison helps you avoid buying a policy that looks cheap but doesn’t offer enough benefits.

Common Mistakes First-Time Buyers Should Avoid

Beginners often make decisions based on price alone. Here are mistakes to watch out for:

Mistake 1: Buying The Cheapest Plan You Can Find

A low premium usually means:

• Very limited room rent
• Smaller hospital network
• No daycare procedures
• Fewer specialists covered

You may save money now, but struggle during a real emergency.

Mistake 2: Ignoring Exclusions

Every policy excludes certain procedures. These usually include:

• Cosmetic surgeries
• Lifestyle-related dental work
• Fertility treatments
• Over-the-counter medicines

Reading exclusions before purchasing will save you from unpleasant surprises later.

Mistake 3: Overlooking The Room Rent Limit

This is one of the most common issues among new policyholders. A low room rent cap can reduce how much the insurer will pay for the entire hospitalization. For private hospitals in big cities, it is recommended to get a minimum of PKR 8,000 to PKR 12,000 per day.

Mistake 4: Assuming All Emergencies Are Covered

Some policies do not cover complications related to pre-existing conditions, overseas emergencies, or special treatments. Always confirm what counts as an emergency.

Types of Health Insurance Plans Available 

1. Individual Plans

Basic coverage designed for singles or young professionals who want affordable protection.

2. Family Floater Plans

A shared limit for the entire family. These plans are practical and cost-effective for growing households.

3. Senior Citizen Plans

Specially designed for parents and older adults, offering higher limits and broader coverage.

4. Employer Top-Up Plans

If your company provides corporate health insurance, you can buy an additional personal plan to increase your protection.

How Much Will Health Insurance Cost in 2026?

Premiums vary based on age, health condition, benefits, and annual limits.

Estimated premium ranges are:

• Individuals: PKR 12,000–35,000
• Couples: PKR 25,000–60,000
• Families: PKR 40,000–100,000
• Parents: PKR 45,000–150,000

Please note that premiums and risk ratings differ by insurer, as well as insured people, which is why comparison is essential.

Buying Health Insurance in Pakistan: Where to Start

You can purchase directly from insurance companies, but first-time buyers often prefer using comparison platforms because they offer:

• Side-by-side plan comparison
• Expert support
• Smooth claim assistance
• Better visibility of hidden limitations

Protect Your Health

Health insurance is an important financial commitment that you can make for your peace of mind. It should protect you during emergencies, support the long-term well-being of you and your loved ones, and save you from the rising cost of healthcare in Pakistan.

If you’re a first-time buyer, take a few minutes to understand your needs, compare plans properly, and pick a policy that balances cost with solid coverage. Your future self will thank you for it.

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post Health Insurance in 2026: A Complete Guide for First-Time Buyers appeared first on Smartchoice.pk.

The moment you step off the “normal tourist path,” your insurance coverage starts shrinking, quietly and sometimes completely.

People assume that a standard travel insurance policy will cover anything that goes wrong. Insurance companies treat adventure travel very differently because the risks are higher, the costs are unpredictable, and the claims are harder to process.

So before you book that off-road expedition or glacier trek, it’s worth understanding what isn’t covered, and why.

Why Regular Travel Insurance Isn’t Built for Adventure Trips

Most travel insurance policies sold in Pakistan are structured for regular vacation travellers. They expect you to stay in populated areas, use public transport, and participate in common activities. When you push beyond that comfort zone, the insurer treats it as “high-risk.”

This doesn’t mean your entire plan becomes useless. It simply means certain events fall outside the “risk appetite” of the insurer. And unless you read the fine print—or at least understand the logic behind it—you may end up discovering gaps at the worst possible moment.

What Often Gets Excluded When You Go Off-Beat

Here are the most common areas where your coverage may not apply:

1. Extreme Sports and High-Risk Activities

Anything involving height, speed, or remote terrain usually falls into the “not covered” list. This may include:

• Ziplining
• Rock climbing
• Paragliding
• Skiing
• Scuba diving
• Snowmobiling
• Cliff jumping

Insurance companies classify these as “voluntary risk activities.” And because the probability of injury is higher than in normal travel, many standard plans avoid them.

You can visit our blog on Understanding Travel Insurance Exclusions and Limitations to learn about common exclusions that most travellers overlook

2. Injuries in Remote or Inaccessible Areas

If you’re trekking in northern Pakistan or hiking in a remote region of Turkey or Nepal, rescue operations can get complicated. Evacuation from hard-to-reach places is often excluded.

A helicopter evacuation can cost thousands of dollars. Most insurers simply do not include that kind of emergency response in basic travel plans. That’s why understanding the basics of travel insurance is so important, and our guide Why Travel Insurance is a Must-Have for Pakistani Travelers is a great starting point for Pakistani travelers.

3. Off-Road Driving Accidents

Many Pakistanis rent 4×4 vehicles abroad or join dune-bashing tours. These are usually classified as “motor sports.”

Even if you’re not driving, your participation in the activity may void coverage related to injuries or property damage.

4. Equipment Loss or Damage

Standard plans rarely cover:

• GoPro cameras
• Climbing gear
• Specialty boots
• Drones
• Protective equipment

These items fall under “professional gear” or “specialized equipment,” which insurers separate from everyday personal belongings.

5. Pre-Existing Medical Conditions Triggered by Adventure Activities

If you have asthma, a heart condition, or even mild joint issues, and the activity triggers a medical emergency, the claim may be declined.

Insurers typically cover only sudden and unexpected illnesses—not those worsened by high-risk activities.

Why These Exclusions Exist

People often assume insurers are being unfair. But there’s a practical financial reason behind every exclusion. Adventure travel claims are expensive, unpredictable, and difficult to verify. Many involve rescue services, specialized treatment, or coordination between multiple providers.

Think of insurance like a shared fund. Everyone pays into it, and everyone expects protection. When one group’s risk is much higher, the insurer has to separate it. Otherwise, premiums for all travellers would rise dramatically.

That’s the same reason companies offer specialized high-risk travel policies. The pricing reflects the actual exposure.

How Pakistani Travellers Can Protect Themselves Better

If you’re planning an off-beat trip this year, here are a few steps always recommended, whether you’re an occasional traveller or someone who enjoys demanding trips:

1. Buy a Policy That Explicitly Covers Adventure Activities

Many insurers offer add-ons or special plans for:

• Skiing
• Diving
• Trekking
• Mountain sports
• Adventure tours

Never assume. Always check the “covered activities” list.

2. Ask About Medical Evacuation Coverage

If your itinerary includes remote areas, this is essential.

Ask specifically:

• Is helicopter rescue covered?
• Is evacuation from unmarked trails included?
• What are the spending limits?

3. Declare Any Medical Conditions Honestly

Insurers don’t penalize honest disclosure. They penalize non-disclosure.

And in some cases, they even offer riders for pre-existing issues.

4. Keep Copies of All Receipts and Reports

Adventure-related claims require more documentation because the insurer must confirm what happened. Always keep:

• Hospital bills
• Activity operator receipts
• Police reports (if relevant)
• Photos of damaged gear

5. Read the Exclusion List Once

You don’t have to memorize it. Just skim it before you travel. It will immediately highlight where you may need top-up coverage.

Final Thoughts

Adventure travel is great, but it has some risks that standard travel insurance is not designed to cover. You don’t need to be an insurance expert to enjoy your trip. You just need to understand where your policy stops and where you need to get extra protection.

A little planning goes a long way. And when you’re hanging off a snowy ridge or riding through a remote valley, peace of mind is worth more than the premium you paid.

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post Adventure Travel and Insurance: What Isn’t Covered When You Go Off-Beat from Pakistan appeared first on Smartchoice.pk.

Exciting, but along with the thrill comes risk. Know what your standard travel insurance from Pakistan may not cover when you go off-beat, and how you can protect yourself anyway.

Why “Standard” Travel Insurance May Fall Short

When you buy travel insurance, what you’re looking for is a safety net. It covers medical emergencies abroad, lost luggage, trip cancellation (in certain cases), and so on.  But this coverage is based on assumptions about “typical” travel: city hotels, known routes, moderate activities, and a defined duration.

When you step off the well-worn path into adventure territory, many policies treat the situation differently. The insurer sees higher risk: rough terrain, remote hospitals, evacuation costs, unpredictable weather, and non-standard transport.

In short, you may find yourself outside the plain-vanilla policy’s scope unless you took special precautions. 

To see how standard policies cater to longer trips and remote work, check our article on travel insurance for digital nomads and long-term travelers.

Common Uninsured Scenarios For Adventure Travelers

Here are key areas that standard travel insurance may not cover when you choose off-beat travel.

High-Risk Activities

Many policies explicitly exclude or require an add-on for “hazardous” or “extreme” sports and activities like rock climbing, deep-sea or cave diving, and bungee jumping.

If you plan to trek off-path, ride ATVs, traverse deserts, or use non-regular transport, you might trigger the “high-risk” clause.

Remote Location And Evacuation Cost

In remote regions, your nearest hospital may be many hours away or require a helicopter lift. Standard cover often limits emergency evacuation or repatriation to certain kilometric or cost thresholds. 

If you fall ill or get injured during a desert safari, jungle trek, or mountain pass, you may find the insurer either declining or limiting the claim.

Non-Disclosure Of The Itinerary and Timing

If you sign up for travel insurance describing a hotel-based city stay for two weeks, but instead you spend a month in remote terrain with multiple stops, you may void parts of your cover. 

Some policies require you to declare exact dates, destinations, and types of activities. For off-beat trips, you may need a specialist policy.

Pre-Existing Medical Conditions In Demanding Terrain

Even if your policy covers existing conditions, when you travel into more demanding environments (high altitude, extreme heat, jungle), your insurer may say you increased your risk profile and reduce or deny coverage. 

Standard travel policies often carry waiting periods, exclusions for pre-existing or unstable conditions.  

Acts Of Nature, Civil Unrest, And Adventure Transport Usage

If your journey uses non-scheduled flights (charters, bush-planes), your policy may exclude “non-scheduled carriers”. If you go into areas subject to travel advisories, civil unrest, or undeclared war zones, many policies automatically exclude claims. 

Also, damage from extreme weather may be excluded if you knowingly choose high-risk terrain.

Lost Or Stolen Items Under Unusual Circumstances

While most policies cover luggage or theft, when you are off-road, in remote camps, or using non-hotel accommodation, the definition of “unattended” or “safe storage” may change. 

If your gear is stolen during a remote camp or you’re self-driving in a remote region, your insurer may argue you failed to follow “reasonable care” or the terms of cover.

What Pakistani Travelers Should Ask And Check

Here are some key questions you should ask before you commit to a policy:

Does the policy cover high-risk or adventure activities?

If yes, what is the extra premium or add-on? If not, what activities are explicitly excluded? Ask your insurer to list the activity definition.

What is the evacuation and repatriation clause?

How far from a hospital? Does it include a helicopter rescue? What are the cost limits? The “standard” clause may assume an urban hospital, not a jungle, desert, or mountain.

Does the destination or itinerary affect the premium or coverage?

If you are going to a region with no defined hospital network or with travel alerts, your policy may exclude claims. Disclose your route and terrain honestly.

Is the travel transport you’ll use covered?

Using local unscheduled flights, charter boats, or self-driving in remote regions may not fall under “regular carriers”. Confirm coverage for your mode of transport.

What is the policy’s duration safe zone?

Some multi-trip or annual policies assume standard destination stays (30–90 days) and standard itineraries. Going off for 3 or 4 months into remote locations may exceed standard cover.  

Are your high-value items clearly covered?

If you carry specialist gear (camera, trekking equipment, diving gear), check the sub-limits and exclusions for “extreme sport equipment” or “professional gear”. Many policies exclude equipment used for commercial or specialized activity.

How To Tailor Your Cover For Off-Beat Travel

Here are steps you can take to ensure your insurance works for your adventure.

Choose a specialist “adventure travel” policy or add-on

Many insurers provide upgrade options where you declare your trekking, diving, remote riding, etc. This may cost more, but it ensures your policy reflects the actual risk.

Document and disclose your plan clearly

Provide your route, transport modes, accommodation type, and planned activities. Even if it sounds “routine” to you, the insurer must know you intend remote camping, off-grid travel, or high-altitude trekking.

Keep copies of your policy, contact numbers, and local embassy

In remote regions, you might have limited connectivity. Save offline the insurer’s emergency contact, local embassy number, and keep your policy details easily accessible.

Review your gear and personal liability.

If you hire motorcycles, go off-road driving, or self-guide climbs, check whether your policy covers “rental vehicle accident” or “personal accident for adventure activity”. Standard cover may assume commercial transport and support.

For an easy walkthrough of the purchase process, see our step-by-step guide to buying travel insurance in Pakistan.

Realistic Scenarios And What You Might Miss

Let’s say you take a 10-day trip in Pakistan’s Gilgit-Baltistan region, plan to trek to a remote village, and hire a local jeep that uses off-road tracks. When you purchase travel insurance, your insurer might say:

• Your high-altitude trek is an “extreme activity” not covered.
• A hired jeep on non-public roads is “non-scheduled transport” and excluded
• The remote clinic is three hours from a full hospital, and any evacuation cost will exceed the plan’s limit

Or consider that you go diving in Indonesia, but your policy excludes scuba beyond 30 meters depth, and you injure yourself at 45 meters. 

The “adventure activity” clause kicks in, and you face large bills. The standard travel policy is fine when you stick to common tourist behavior; when you deviate, you must get customized insurance.

Final Thoughts

Adventure travel is one of life’s most rewarding experiences. But with adventure comes risk, and insurance is about managing that risk, not eliminating it.

For Pakistani travelers heading off-beat, standard travel insurance is rarely sufficient on its own. Reviewing exclusions, declaring your full plan, upgrading for high-risk activities and transport, and maintaining safety standards are all part of smart travel.

Make sure your coverage matches your plans, so you can focus on the thrill of the trail, not the possibility of financial shock.

Safe travels.

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post Adventure Travel and Insurance: What Isn’t Covered When You Go Off-Beat from Pakistan appeared first on Smartchoice.pk.

Urban life brings with it busy roads, unpredictable drivers, rising accident rates, and frequent cases of theft. These risks make it essential for drivers to look beyond third-party coverage and understand what comprehensive car insurance really offers — and why it makes sense in Pakistan’s modern driving environment.

What Third-Party Insurance Actually Covers

Third-party car insurance is the most basic type of vehicle coverage. It protects you financially if your car causes damage to another person’s property or injures someone in an accident.

In other words, it pays for the other person’s loss, not yours. If your own car is damaged or stolen, you’ll have to bear the cost of repair or replacement yourself.

This kind of coverage is meant to satisfy legal requirements, not to secure your personal finances. For a new or even moderately valuable car, that can be a risky gamble. You can read more about how it differs from comprehensive policies in the SmartChoice article Third-Party vs Comprehensive Car Insurance: What’s the Difference?.

Why Comprehensive Car Insurance Is Worth It

Comprehensive car insurance offers a wider range of risks coverage. It protects both you and others. In addition to third-party liability, it also covers your car against:

• Accidents, collisions, and overturning
• Theft or attempted theft
• Fire or explosion
• Natural disasters such as floods or storms
• Vandalism or damage caused during civil unrest

Think about how often we hear about the poor roads and traffic conditions damaging cars in Karachi or the latest flood related damages to countless cars, or about cars being stolen in parking lots and marketplaces. These are real risks that third-party insurance won’t cover, but comprehensive insurance will.

The Urban Driving Reality in Pakistan

People driving in in cities like Karachi or Lahore are well aware of how accidents and road hazards are part of life. Narrow streets, poor parking facilities, and impatient traffic all increase the chances of minor accidents and scratches.

Moreover, the rate of car thefts in Pakistan’s large cities is also high. Many drivers rely on trackers, but even with those, recovery isn’t guaranteed. A single incident of theft or major damage can cost hundreds of thousands of rupees — far more than the annual premium for a comprehensive policy.

For example, repairing a damaged bumper or replacing a broken headlight on a modern sedan can easily exceed Rs. 50,000. If your car is stolen, the loss could be in the millions. Comprehensive insurance protects you from these sudden, heavy expenses that most people aren’t prepared for.

Addressing the Cost Misconception

One of the main reasons people avoid comprehensive insurance is the belief that it’s too expensive. But as a matter of fact, the difference between third-party and comprehensive premiums isn’t as significant as most assume.

Premiums are calculated based on your car’s market value, age, and risk factors like location and usage. For many drivers, the annual cost of comprehensive insurance will usually be somewhere between 2% and 4% of the car’s value. This is much less than the potential cost of a single accident.

While many insurance providers offer flexible payment options, it is much easier to compare rates, customize coverage, and buy your policy online through trusted platforms like SmartChoice.pk, which helps you find the best car insurance plan based on your budget and vehicle type.

Additional Benefits That Come With Comprehensive Coverage

A comprehensive car insurance policy often comes with features that third-party coverage does not, such as:

• Cashless repairs through authorized workshops
• Personal accident cover for the driver and passengers
• Optional add-ons like zero-depreciation cover or roadside assistance
• Faster claims and more predictable costs in emergencies

These benefits make a big difference for urban drivers who depend on their cars daily and can’t afford long downtime or repair expenses. To make the process even easier.

Choosing the Right Comprehensive Plan

When selecting a comprehensive car insurance plan, it’s important to go beyond just comparing prices. Look closely at:

• Claim process efficiency and responsiveness
• Network garages available in your area
• Add-on options suited to your driving habits
• Deductibles and claim limits

It’s also good practice to renew your policy as per schedule and keep your car in good condition, as insurers often require inspections before approving claims for older vehicles.

Why Comprehensive Insurance Reflects Responsible Ownership

Owning a car in Pakistan’s urban centers isn’t just about mobility — it’s a major financial investment. For many families, a vehicle represents years of savings. Yet, many owners still hesitate to spend a small fraction of that amount to protect it.

Comprehensive car insurance shows that you value both your investment and your responsibility as a driver. It ensures that an accident, theft, or natural disaster doesn’t derail your financial stability. In the long run, it’s not just protection — it’s smart financial planning.

The Future of Car Insurance in Pakistan

The local insurance industry is evolving and with growing vehicle ownership, digitization, and more awareness, comprehensive insurance is becoming a standard expectation among responsible drivers.

Platforms like SmartChoice help to reduce the gap between insurers and customers, allowing drivers to compare plans transparently and make informed decisions. This ease of access means there’s little reason left to settle for minimal coverage.

Final Thoughts

Third-party insurance may fulfill a legal obligation, but it doesn’t offer real protection in the unpredictable traffic of Pakistan’s big cities. Comprehensive car insurance, on the other hand, provides true financial security and peace of mind.

For urban drivers who face congested roads, unpredictable weather, and theft risks, it’s not just a better option, it’s a necessary one. Protecting your car means protecting your future. And with easy online tools and flexible options now available, going beyond third-party insurance has never been simpler.

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post Beyond Third-Party: Why Comprehensive Car Insurance Makes Sense for Pakistani Urban Drivers appeared first on Smartchoice.pk.

Being able to manage money smartly isn’t just a good habit; it’s a survival skill. From inflation and rising utility costs to planning for emergencies, Pakistani consumers, just like their counterparts the world over, face multiple financial challenges daily. Yet, one critical factor that keeps many from making informed decisions is the lack of financial literacy.

Here’s the reality: most people still rely on friends, family, or hearsay for advice about loans, insurance, or investments. The biggest barrier? Complex financial jargon and the lack of easy-to-understand resources in Urdu and regional languages.

Why Language is Key to Financial Awareness

Think about it, how many people around you are comfortable reading detailed guides in English? Probably a small percentage. The average Pakistani consumer speaks Urdu or a regional language at home. So, if we keep financial content locked in English, we’re leaving out a massive audience.

By offering content in Urdu, Punjabi, Sindhi, Pashto, and Balochi, brands can ensure that people not only access information but actually understand it. After all, literacy is not just about reading, it’s about comprehension and confidence.

Current Gaps in Financial Literacy in Pakistan

Before diving into solutions, let’s look at the reality:

• Insurance Awareness is Low: Many still believe health insurance is only for big corporates or the rich.
• Loans and Credit Are Misunderstood: People often confuse personal loans with credit card debt, leading to poor financial choices.
• Savings Culture is Weak: Most households operate without an emergency fund.

The reason isn’t unwillingness; it’s lack of knowledge and accessibility. Imagine explaining the concept of “deductible” in English to someone who barely uses the internet. That’s where localized content steps in.

The Business Case for Urdu and Regional Content

You might wonder, “Why should businesses care?” The answer is simple: a financially literate customer is an empowered customer, and empowered customers are loyal, especially if your product is sound.

When people understand products clearly, they’re more likely to make confident decisions, which means less attrition and deeper trust in the brand. For most businesses, creating accessible content translates into:

• Higher engagement: People spend more time with products that speak their language.
• Increased conversions: Clarity removes hesitation, driving faster decisions.
• Brand trust: Educating customers shows that you care beyond sales.

How Urdu and Regional Content Can Make an Impact

Here’s how localized content can turn the financial literacy challenge into an opportunity:

1.    Translate Complex Terms into Everyday Language

Instead of saying “premium” or “deductible,” use relatable terms like mahana qist or kharch ka hissa jo aap bharenge. These terms feel familiar and less intimidating.

2.    Use Visual and Audio Content

Not everyone reads long articles. Short videos, infographics, and podcasts in Urdu or regional languages make financial concepts easy and engaging.

3.    Create Step-by-Step Guides in Urdu

Imagine a blog titled “Health Insurance Samajhna Aasaan Hai” or “Car Insurance Ke 5 Zaroori Nuqaat.” These simple, clear titles invite readers who might ignore an English alternative.

4.    Incorporate Cultural Examples

Financial habits vary across regions. For instance, both rural and urban households still rely on informal savings committees (committees or BC). Linking insurance or savings concepts to these familiar practices helps bridge understanding.

Fintech Platforms Leading the Way in Financial Awareness

Fintech platforms are perfectly positioned to take this initiative forward. With their expertise in comparing insurance, loans, and financial products, they can build Urdu content hubs for:

• Health and Life Insurance Guides
• Loan and Credit Card Tutorials
• Savings and Investment Tips

Not everyone has the time or inclination to attend a workshop or class. By tapping into digital resources, you can target your audience where they usually are: online. Use tools like short videos, infographics, blogs, and phone apps like budget calculators.

For example, many sites provide comprehensive insurance guides to help customers understand health and life insurance better. They can also expand this by launching regional video series on platforms like YouTube and TikTok, where a huge portion of the audience consumes content in Urdu or local dialects.

Why it works: Digital content is shareable, accessible, and cost-effective. A well-placed video on social media or a downloadable budget template on your website can reach hundreds or even thousands of people.

Another great opportunity lies in WhatsApp communities and voice notes, which are already widely used in Pakistan. By sharing bite-sized financial tips in these formats, fintech brands can engage millions effectively.

Challenges and How to Overcome Them

Of course, this isn’t without hurdles:

• Translation Accuracy: Literal translations can confuse readers. The key is contextual adaptation.
• SEO in Urdu: While English dominates online searches, Urdu and Roman Urdu queries are growing. Optimizing for both is essential.
• Content Cost: Producing multilingual content requires resources, but the ROI in brand trust and conversions makes it worth it.

The good news? AI tools and voice-based technology now make this process faster and cost-effective, helping businesses produce localized content at scale without compromising quality. For those seeking to educate on loans and credit, resources like personal loan section are perfect starting points.

The Bigger Picture: Financial Inclusion for All

Promoting financial literacy through Urdu and regional languages isn’t just a marketing strategy, it’s a step toward financial inclusion. When people in remote areas understand how to protect themselves with health insurance or use credit responsibly, they’re empowered to make better choices for their families.

For businesses, this is an opportunity to lead the conversation, build trust, and grow responsibly. The future belongs to brands that prioritize accessibility and inclusivity.

Final Thoughts: Time to Act

Financial literacy isn’t a luxury; it’s a necessity for every Pakistani household. By embracing Urdu and regional content, businesses can bridge the knowledge gap and create meaningful relationships with customers.

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post Promoting Financial Literacy Through Regional and Urdu Content appeared first on Smartchoice.pk.

• You pay a financial charge, which is called the premium. These are usually monthly, but can be quarterly and even annual. This is a fee for having the health plan.
• Many health plans have what is called a deductible. A deductible is the amount the policyholder has to pay for care until their health plan kicks in to share a percentage of the costs.
• Once the policyholder meets their deductible and the plan steps in, the insurance company starts sharing costs with your plan. For example, the health plan may pay 70% of your medical costs, and you may pay 30%. This is called “coinsurance.” Most insurance ID cards will show the deductible and coinsurance rates.

Preventive care is usually 100% covered. This includes standard items like an annual medical check-up, seasonal shots, kids’ vaccinations, general wellness screenings, and more. 

Policyholders save money when they stay in-network. Network providers agree to give lower rates to the insurance company’s customers. You can usually find a list of network providers on your health insurance website or by calling and asking them for a list of in-network providers. This is a key part of how health insurance works to help keep your costs low.

To learn more about deductibles, copays, and coinsurance, visit our blog Understanding Health Insurance Deductibles, Copayments, and Coinsurance Concerns in Pakistan.

How To Get Health Insurance

Many employers include some form of a health plan as part of their job benefits. They work with the insurance company to design the health plans they offer you. Employers can choose to include certain programs and services for their employees’ benefits, as well.

In case your workplace doesn’t offer health insurance, you can buy one on your own through a health insurance company. You’ll have to research thoroughly, as there are multiple options to meet different needs.

What Health Insurance Covers

Health insurance plans can cover a wide range of medical care and services. Common items include preventive and non-preventive care, while emergency care is a usual fixed item. Some policies can also offer coverage for behavioral health, and some categories of vision and hearing care.

What people pay out of pocket and what their plan helps pay for can depend on several factors. These include whether you’ve met your deductible, what your coinsurance is, if you are getting care from in-network providers and facilities, if your care is preventive or not, and more.

Some examples of health insurance benefits your plan may cover include:

• Preventive visits: Things like an annual check-up (adult or child) are typically covered 100%.
• Vaccinations: Some vaccinations are covered 100%, too. For example, many plans pay for an annual flu shot and certain kinds of childhood vaccinations.
• Non-preventive doctor visits: For in-network doctors and specialists, you get a reduced rate as part of the network. Your plan helps pay its share of the cost once you’ve met your deductible.
• Hospitalization: Your plan helps pay its share of the cost once you’ve met your deductible. You will pay less if you go to a hospital that’s in your plan’s network, if required.
• Emergency Room: Many health plans do not require you to go to an in-network ER in an emergency, but plans can differ.
• Lab work: If you go to an in-network lab, your costs for lab work will be lower. Your health plan negotiates lower rates with them, too.
• Additional coverage that’s added to your health plan: Coverage for cancer care, accident coverage, and more can help you pay for care that’s often costly and unexpected.  

What Health Insurance Usually Doesn’t Cover

What’s not covered by health insurance can also vary depending on the plan. Here are some types of services that are not typically covered:

Alternative medicine: Such as massage, acupuncture, herbal healing, and more.

Vision Care: Most insurance policies do not cover visits to the ophthalmologists and eye care expenses. 

Dental Care: Many insurance policies do not cover visits to the dentist, as well as orthodontic procedures or even extractions. 

Cosmetic surgery: Things like plastic surgery, laser skin removal, liposuction, rhinoplasty (nose job), etc.

Weight-loss surgery: Gastric bypass and bariatric surgery may not be covered. This depends on the plan you get, though. Some procedures may be covered if medically necessary, so check your plan documents carefully.

Vein surgery: Laser surgery to correct spider veins is often considered cosmetic and may not be covered unless a doctor can show it’s medically necessary.

Elective surgeries: Especially surgeries for which a doctor cannot prove a medical need.

Unapproved medical care: If you fail to get a required prior authorization for care or a service, your health plan may deny you coverage. Prior authorization is pre-approval from your health insurer. Many health plans require this type of pre-approval for certain types of procedures or treatments.

Your Summary of Benefits Coverage (SBC) document that comes with your health plan will itemize the care and services covered, as well as what’s not covered. When you know how your health plan works, you are better able to avoid paying unnecessary out-of-pocket costs.

The Benefits of Having Health Insurance

The benefits of health insurance include:

• Lower out-of-pocket costs for care since it’s shared with your health plan.
• Coverage for unexpected costly medical care, such as hospitalization and care for a serious illness like cancer, or in the event of an accident or serious injury. 
• Peace of mind—having a health plan may give you some comfort in knowing that there is a limit to how much you need to pay out of pocket for costly medical care. In addition, since your health plan pays for most preventive care, you can also have the peace of mind that you and your family can get all your routine care, with little to no additional cost. (Some plans may require a small copay at the time of a visit.)

When To Get Health Insurance

Health insurance only works when you have it. Consider your lifestyle. Do you live risk-free, or do you like to live life on the edge? Adventurous? Or a homebody? Do you have a chronic health condition that requires treatment? Do you have a family to care for? These are things to keep in mind when considering whether you should get health insurance:

If you are offered a health plan through your employer, you should get it. Your employer helps foot the bill for your medical care. Preventive care is usually at no cost to you—a big savings for you and your family.

In general, how health insurance works is similar across plans, but depending on your needs, the details of your medical coverage can vary. Make sure to learn about your particular health plan or any plan you’re considering enrolling in.

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post Does Your Health Insurance Cover Dental and Vision Care? What to Expect  appeared first on Smartchoice.pk.

Every health insurance plan has its own set of exclusions. Some of these exclusions are common across health insurance plans while some others are specific to the policy. 

This guide will break down the common exclusions in most health insurance policies in Pakistan and how you can mitigate their impact.

 Common Health Insurance Exclusions

 1. Pre-existing Conditions

Most health insurance policies do not cover pre-existing conditions for a certain period, usually ranging from one to four years. A pre-existing condition is any illness or medical condition diagnosed before you buy a policy. This could be diabetes, hypertension, or heart disease. Some insurers may provide coverage after a waiting period, while others may exclude them permanently.

Waiting period in health insurance refers to the period before which certain conditions are not covered under your health insurance policy. Your policy starts covering these conditions only after you serve the waiting period fully.

How to Mitigate: Choose a policy with a shorter waiting period or opt for plans specifically designed for individuals with pre-existing conditions. Some insurers allow policyholders to reduce waiting periods by paying higher premiums.

 2. Cosmetic and Elective Procedures

Health insurance policies usually do not cover treatment or surgical costs rising due to obesity or plastic surgery. These are usually categorized under cosmetic procedures. However, if such procedures are rendered necessary due to an illness, injury or accident, your health insurance policy should cover them.

How to Mitigate: If cosmetic procedures are important, consider saving separately or checking if employer-sponsored plans offer partial coverage. In some cases, reconstructive surgery after an accident is covered, so verify that with your provider.

 3. Dental and Vision Care

Standard health insurance plans do not cover routine dental checkups, orthodontic treatments, eyeglasses, and contact lenses. Some policies do offer coverage for dental or vision related expenses only in case of accidents.

How to Mitigate: Look for add-on coverage riders for dental and vision care or explore standalone insurance plans that provide these benefits. Many corporate health insurance plans offer separate vision and dental benefits.

 4. Maternity and Newborn Care

Many individual health insurance plans exclude maternity expenses, including prenatal and postnatal care, childbirth, and newborn medical care. These can be added on through riders to the existing policy with additional charges.

How to Mitigate: you can pick a maternity-specific insurance plan or check if your employer provides maternity benefits as part of group health coverage. Some insurance providers allow policyholders to include maternity riders at an additional cost.

 5. Alternative and Experimental Treatments

Alternative medicine like homeopathy, acupuncture, and naturopathy, are generally excluded from health insurance coverage. Similarly, experimental treatments or therapies that have not received regulatory approval are not covered.

How to Mitigate: If you prefer alternative medicine, look for policies that offer limited coverage or set aside funds for these treatments. Some comprehensive policies have the flexibility to include coverage for alternative therapies, so it’s worth comparing options.

 6. Self-Inflicted Injuries and Substance Abuse

Health insurance policies do not cover any treatment which is needed due to alcoholism or substance abuse. If you smoke, or consume alcohol or drugs, and end up needing treatment because of these habits, your health insurance policy will not cover your treatment.

How to Mitigate: If substance abuse treatment is needed, explore specialized rehabilitation programs that offer financial assistance. Some mental health insurance plans now provide partial coverage for addiction treatment.

 7. Injuries Due to Hazardous Activities

No health insurer will be keen to cover treatment when it is due to an injury caused by participation in any hazardous or adventure sports. So you can either stop participating in such sports or be cautious while participating in them. 

How to Mitigate: Some insurers offer additional riders for extreme sports coverage, so inquire about these options if you participate in high-risk activities. If your profession involves hazardous work, explore occupational health insurance plans.

 8. Fertility Treatments and Surrogacy

Procedures such as in-vitro fertilization (IVF), surrogacy, and other fertility treatments are generally not covered by standard health insurance policies. However, some policies allow for fertility treatment riders for additional charges

How to Mitigate: If you require fertility treatments, check for specialized plans or employer-sponsored benefits that offer some level of coverage. Some premium insurance providers offer partial coverage for fertility treatments.

 9. Mental Health and Psychological Disorders

While mental health awareness is improving, many traditional health insurance policies still exclude mental health treatments, including therapy, counseling, and psychiatric care.

How to Mitigate: Look for insurance providers that include mental health coverage or seek standalone mental health plans. Some progressive insurers are now offering mental health benefits as part of comprehensive coverage.

 10. Non-Prescription and Experimental Medications

Over-the-counter medications, vitamins, supplements, and experimental drugs are typically excluded from coverage unless prescribed as part of an inpatient hospital treatment.

How to Mitigate: Budget separately for non-prescription medications or seek employer-sponsored healthcare plans that offer reimbursement options. Some insurance companies offer drug coverage riders that include a wider range of medications.

 11. Overseas Medical Treatments

Many health insurance policies do not cover medical expenses incurred outside of Pakistan, except for emergency treatments.

How to Mitigate: If you travel frequently, consider an international health insurance policy or travel medical insurance that covers overseas medical expenses.

 12. Long-Term and Home Care Services

Most health insurance policies do not cover long-term nursing care, assisted living, or home care services for chronic illnesses or disabilities.

How to Mitigate: If long-term care is a concern, look into long-term care insurance plans or family support options.

Choosing the Right Health Insurance Plan

Understanding exclusions is the first step toward selecting the right health insurance plan. Here are a few tips:

• Read the policy document carefully: Always check the exclusions section before purchasing a policy.
• Compare different plans: Some insurers offer better coverage for specific conditions.
• Consider add-ons and riders: If certain exclusions matter to you, look for policies with optional riders that expand coverage.
• Consult an insurance expert: If you’re unsure about policy details, speak to a professional who can guide you based on your needs.
• Check for employer-sponsored options: Some workplace health insurance plans offer more comprehensive coverage than individual policies.

Conclusion

Having a health insurance policy is a valuable financial safety net, but no policy covers everything. Understanding exclusions in the policy you pick helps you plan better and avoid unexpected medical costs. Before buying a policy, assess its coverage limitations carefully, compare different options, and consider add-ons that match your healthcare needs. 

By staying informed, you can make the best decision for yourself and your family. 

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post Health Insurance Exclusions: What’s Not Covered in Your Policy? appeared first on Smartchoice.pk.

1. The Rise of Digital Insurance Platforms

Technology continues to play a pivotal role in the evolution of Pakistan’s insurance sector. Digital insurance platforms are gaining traction, offering consumers a seamless experience to compare, purchase, and manage policies online.

There are several insurtech platforms in Pakistan now that are making life easier for customers. They can find customized insurance plans, whether it’s health, auto, or life insurance. This shift not only enhances convenience but also increases transparency, allowing consumers to make more informed decisions.

 Why This Matters:

• Reduced paperwork and faster processing times.
• Broader reach to underserved and remote areas.
• Enhanced customer support through AI-driven chatbots.

 2. Microinsurance Expansion

Microinsurance is emerging as a game-changer for low-income populations in Pakistan. With a significant portion of the population still uninsured, microinsurance provides affordable and accessible solutions to protect against risks such as health emergencies, crop failure, and natural disasters.

 Key Developments in Microinsurance:

• Partnerships between insurance companies and fintech firms to distribute low-cost policies.
• Increased awareness campaigns to educate rural populations about the benefits of microinsurance.
• The use of mobile payment platforms for premium collection and claims settlement.

Example:

Companies like Telenor Microfinance Bank have already pioneered mobile-based microinsurance products, enabling financial inclusion at scale.

 3. Focus on Health Insurance Post-Pandemic

The COVID-19 pandemic has permanently altered how Pakistanis view health insurance. In 2025, health insurance remains a top priority, with providers introducing innovative policies tailored to meet diverse needs.

 Current Trends:

• Telemedicine Integration: Many health insurance plans now offer teleconsultation services, enabling policyholders to access healthcare remotely.
• Preventive Care Coverage: Policies are evolving to cover preventive measures like annual check-ups and wellness programs.
• Family-Focused Plans: Insurers are targeting families with bundled plans offering comprehensive coverage at competitive rates.

 Tip for Consumers:

Evaluate plans for their hospital network, ease of claim processing, and value-added services like 24/7 medical hotlines.

 4. The Rise of Takaful (Islamic Insurance)

Islamic insurance, or Takaful, continues to gain popularity in Pakistan. Offering Shariah-compliant coverage, Takaful appeals to individuals who prefer ethical investment options aligned with Islamic principles.

 Key Features of Takaful in 2025:

• A growing number of operators offering both family and general Takaful products.
• Collaboration between banks and Takaful companies to provide bundled services.
• Enhanced digitalization of Takaful services, improving accessibility and customer experience.

 Fun Fact:

Takaful now constitutes a significant share of the overall insurance market in Pakistan, with double-digit growth expected this year.

5. Customized Auto Insurance Policies

With the rise in vehicle ownership and increasing road traffic, auto insurance is becoming a necessity for many Pakistanis. In 2025, customized policies are in high demand, catering to specific needs like ride-hailing drivers, electric vehicle (EV) owners, and first-time car buyers.

 Notable Trends:

• Pay-As-You-Drive Insurance: Premiums calculated based on driving behavior and mileage.
• Coverage for EVs: Policies designed to include battery replacements and charging station support.
• Add-Ons: Optional features like roadside assistance and zero depreciation coverage.

 Pro Tip:

Drivers can save on premiums by maintaining a clean driving record and opting for higher deductibles.

6. Climate Insurance: Preparing for Natural Disasters

Pakistan’s vulnerability to climate change and natural disasters has underscored the importance of climate insurance. Floods, droughts, and extreme weather events pose significant risks to lives and livelihoods, especially in rural areas.

 2025 Developments:

• Expansion of crop insurance programs to protect farmers from losses.
• Introduction of weather-indexed insurance, where payouts are triggered by predefined weather conditions.
• Collaboration between the government and private insurers to subsidize premiums for vulnerable communities.

 Why It’s Important:

Climate insurance not only provides financial relief but also encourages sustainable practices among farmers and businesses.

7. The Impact of InsurTech Innovations

The fusion of insurance and technology is known as InsurTech. This is driving efficiency and innovation across the industry. From blockchain to artificial intelligence, these technologies are transforming how insurance is bought, sold, and managed. Developments mentioned below are in international markets.

Notable Innovations:

• AI-Powered Claims Processing: Reducing claim settlement times from weeks to days.
• Blockchain for Fraud Prevention: Ensuring secure and transparent transactions.
• IoT-Based Monitoring: Devices like fitness trackers and car sensors provide real-time data to tailor premiums.

What’s Next:

Expect more personalized products and dynamic pricing models based on real-time consumer behavior.

8. Enhanced Consumer Education and Awareness

As competition increases, insurance providers are investing in educating consumers about the importance of coverage. Awareness campaigns through social media, community outreach programs, and collaborations with influencers are becoming commonplace.

Key Focus Areas:

• Busting myths around insurance being too expensive or unnecessary.
• Highlighting the long-term financial security benefits of insurance.
• Simplifying policy language to make it easier for consumers to understand terms and conditions.

A Step Forward:

These efforts are empowering consumers to make well-informed decisions, contributing to higher insurance penetration rates in Pakistan.

 Conclusion: A Dynamic Future for Insurance in Pakistan

The insurance industry in Pakistan is at an exciting juncture, with 2025 bringing a mix of innovation, inclusivity, and resilience. Whether you’re a first-time buyer or looking to upgrade your existing coverage, staying informed about these trends will help you make better financial decisions.

From digital platforms to climate insurance and the growing popularity of Takaful, the landscape is evolving to cater to diverse needs. If you’re ready to explore your options, platforms like Smartbenefits.pk are here to guide you every step of the way.

Ready to secure your future? Start exploring today and embrace the benefits of modern insurance solutions.

Sadia Zaheer

Sadia Zaheer holds a Masters in Business Administration from IBA, Karachi. After working in several financial institutions in Client Management, Corporate Lending, Islamic Banking and Product Management she jumped careers to pursue a career in writing.
She is a Finance, Business and HR Development writer with four years of experience. She reads a lot and takes care of her multiple cats to remain calm.

The post Insurance Trends in 2025: What’s New in the Pakistani Market? appeared first on Smartchoice.pk.

PayPak’s strategic objective includes offering Domestic Payment Scheme to provide low cost payment services to every citizen of Pakistan.

The launch event was organized by 1LINK (Guarantee) Limited and was held at Pearl Continental Hotel, Karachi on April 05, 2016. The event was attended by various senior officials from the regulatory body and the banking industry.

PayPak was officially launched by the Chief Guest Mr. Ashraf Mahmood Wathra, Governor; State Bank of Pakistan, Mr. Saeed Ahmed, Deputy Governor, State Bank of Pakistan and Mr. Ashraf Khan, Executive Director, Operations, State Bank of Pakistan.

Mr. Ashraf Mahmood Wathra, after launching the Domestic Payment Scheme on the occasion said “With the launch of PayPak, Pakistan has become the 28th nation in the world to launch such a card scheme. We encourage all banks to utilize this new service and pass benefit to end customer”.

“1LINK has introduced various innovative services to promote electronic banking and financial inclusion, launch of ‘PayPak’ domestic scheme is the key milestone to make cards and electronic payments in reach of masses” said Mr. Faisal Ejaz Khan, CEO; 1LINK (Guarantee) Limited while addressing the event and explaining his vision, road map, objective and benefits of launching  Pakistan’s First Domestic Payment Scheme.

This local card scheme has received overwhelming response from banks, over 19 banks have already signed up for PayPak to launch debit card services including Habib Bank, Bank Al Habib, NRSP and many other.

1Link has always been in the forefront of enablement of the poor in the country by providing support to BISP, WATAN cards, IDP cards etc.  Launch of PayPak is also a step in the same direction.

The event concluded by giving away souvenirs to all major contributors in the Payment Industry of Pakistan.

Khurram Zahid

The post “PayPak”- Pakistan’s Domestic Payment Scheme launched. appeared first on Smartchoice.pk.

TPL Direct Insurance offers Home, Travel, Auto and Health insurance. The management has now decided to engage into micro-finance which is growing at a rapid pace in Pakistan. According to an official notification relayed to stock, TPL Trakker has started a process to assess and evaluate the feasibility of potentially acquiring upto 100% paid up capital of Asia Care and Life Insurance Company.

Keeping this in perspective, the company is currently recruiting advisory and consultancy firms for the legal settlements and the financial transaction will only take place after an approval from the board of directors and regulatory authorities. As of now, health woes and medical expenditures have become an important concern for those who cannot afford quality medical treatment. Asia Care offers a comprehensive solution to such issues and has introduced health plans via the platforms of micro-finance bodies including the First Micro-Finance Bank, Khushhali Bank and Tameer Micro-Finance Bank. All of which offer affordable health plans to the masses.

Asiacare has also launched multiple products for the retail market including Prepaid Health Insurance Card which offers various benefits including out-patient, cashless claim, emergency care and etc at a reasonable premium amount.

Khurram Zahid

The post TPL Trakker Ltd. plans to acquire Asia Care Insurance appeared first on Smartchoice.pk.