All you need to know about the Sehat Insaf Card programme

PESHAWAR: The Khyber Pakhtunkhwa government's 'Sehat Insaf Card programme' is an initiative that aims to provide Rs1mn insurance to every family in the province by January 2021.

Speaking to Geo News, Sehat Insaf Card programme Director Riyaz Tanoli said that health insurance will be provided to people not on the basis of the health card but through their National Identity Cards (NICs).

"From October to January 2021, all families in the province will be provided free health insurance," he said.

He revealed that the government aims to introduce the programme in Malakand division by October 2020 and in the Hazara division by November 2020. The Sehat Sahulat programme will then be started in Mardan and Peshawar divisions by December.

The KP government will pay Rs2,850 per annum to an insurance company which will provide free medical treatment to each family amounting to Rs1,000,000 per year.

Tanoli said that Prime Minister Imran Khan or Chief Minister Mahmood Khan will inaugurate the project by the end of October.

"In tribal districts, work on the Sehat Sahulat programme is being carried out since July 2019," he said. "It is obligatory upon every family [that wishes to avail the programme] to register with NADRA. In 2017, 64% of KP's population were deriving benefits from the Sehat Sahulat programme. So far, more than Rs10bn have been spent on people's medical treatment," added Tanoli.

The Rs1,000,000 per family coverage is divided into three parts. The provincial government is willing to insure Rs200,000 for Basic Treatment. This includes:

• Emergency treatment requiring admission

• Maternity services (Normal deliveries, C-section)

• Fractures and injuries

• General Surgery (Gallbladder, biopsy, colon, prostate, hernia)

• General Medicine (Diabetes, Hypertension and Cardiac)

The Advanced Treatment part, which covers treatment amounting to Rs400,000 includes:

• Cardiovascular (Angioplasty, bypass)

• Diabetes

• Kidney diseases (Dialysis)

• Artificial limbs (Prosthesis)

• Breast Cancer screening

• Management of Neurosurgical Sciences

The Additional Coverage section, which covers Rs400,000 in medical treatment, includes:

• Cancer treatment (Chemo, Radio, Surgery)

• Kidney transplant

• Accident and Emergency

• ICU care

Tanoli said that the facility will be provided in 84 hospitals across the province, 55 private hospitals included in them.

"The government will complete its homework in ensuring free health facility by September," he said.

The Sehat Sahulat programme does not include OPD services in its insurance coverage.