KP Sehat Card Plus 2026 is Khyber Pakhtunkhwa’s free health insurance scheme that covers hospital treatment for every permanent resident family of the province. If you live in KP and hold a valid NADRA CNIC, your CNIC itself is your Sehat Card — no registration, no fee, no premium. This guide covers coverage limits, who qualifies, panel hospitals, what is free, what is excluded, and the helpline.
Note: figures below are based on the programme’s official FAQ and government announcements. The programme can revise limits and hospital lists, so confirm before planned treatment on the official portal.
Quick Overview
| Item | Detail |
|---|---|
| Programme | Sehat Card Plus |
| Province | Khyber Pakhtunkhwa |
| Run by | Government of Khyber Pakhtunkhwa |
| Annual coverage | Up to Rs 1,000,000 per family per year |
| Who gets it | Every KP permanent-resident family with valid NADRA CNIC |
| Card | Your CNIC itself (no separate card needed) |
| Eligibility check | SMS CNIC number to 9780 (KP) or 8500 |
| Helpline | 0800-89898 |
| Cost to family | Zero — fully cashless at panel hospitals |
Latest Update 2026
Sehat Card Plus continues to operate in KP with full strength in 2026, with universal coverage for all permanent residents of the province. Programme counters in panel hospitals — both public and private — are operational, so families can walk into a listed hospital with their CNIC and get cashless inpatient treatment.
The annual balance refills every year. One programme update notes balances renew on July 1 each fiscal year, so a new year means a fresh limit. Unused balance does not carry over and cannot be taken as cash.
Eligibility Criteria
- You must be a permanent resident of Khyber Pakhtunkhwa as recorded with NADRA.
- At least one family member must hold a valid CNIC.
- Family status must be recorded at NADRA — newly married couples and newborns appear in the system at the next update cycle.
- For a widow or divorced woman, register her as head of family at NADRA first.
- A newborn baby is covered briefly after birth; after that a Form-B (CRC) is required.
- If NADRA shows your family status as unclear, you are not eligible until NADRA resolves it.
Coverage Limits and Benefits
Sehat Card Plus covers indoor patient (IPD) treatment up to Rs 1,000,000 per family per year. The coverage is split into tiers:
| Tier | Limit per family per year | What it covers |
|---|---|---|
| Basic treatment | Rs 200,000 | Secondary care: emergencies, general medicine and surgery, orthopaedics, gynae and obstetrics, children, eye, ENT |
| Advanced treatment | Rs 400,000 | Heart disease, diabetes complications, cancers, kidney disease with dialysis and transplant, neurosurgery, artificial limbs |
| Additional cover | Rs 400,000 | Cancer treatment, kidney transplant, accident and emergency, ICU care |
What’s free
- Hospital admission, surgery, and medicines given inside the hospital during admission
- Maternity care including normal and C-section deliveries
- Dialysis sessions
- Heart surgeries and cancer treatment within the advanced and additional limits
- Emergency treatment after accidents
- ICU admission
- Organ transplant (kidney) within coverage
What’s NOT covered
- OPD visits, routine check-ups, and vaccinations
- Dental treatment (except trauma-related cases as per panel rules)
- Cosmetic surgery and infertility treatment
- Spectacles, hearing aids
- Injuries from natural disasters and epidemics
- Anything on the programme’s official exclusion list
Transport to the hospital, food for attendants, and medicines bought outside the hospital during treatment are also not paid by the programme, so budget for those yourself. If a hospital says a service is “not covered,” ask them to show the exclusion list and confirm against the official programme FAQ — do not pay quietly without checking.
Important Dates
| Event | Detail |
|---|---|
| Programme status | Active and running in KP throughout 2026 |
| Balance renewal | Annually (programme update notes July 1 each year) |
| Eligibility | Automatic for all KP resident families — no deadline |
| Helpline | 0800-89898, available for queries and complaints |
How to Use KP Sehat Card Plus at a Hospital (Step by Step)
- Pick a panel hospital. Confirm the hospital is on the current empanelled list before you go — the list changes, so check the official portal or call the helpline.
- Take your original CNIC. For children under 18, take the Form-B (CRC). For a newborn, the hospital will guide you.
- Go to the Sehat Card Plus counter at the hospital. Every panel hospital has a dedicated counter.
- Biometric verification. Your thumb impression is checked against NADRA records to confirm eligibility.
- Doctor decides admission. The doctor examines you and decides whether admission is needed — the card only pays for inpatient treatment.
- Treatment begins — cashless. The hospital bills the programme directly. You pay nothing for covered services.
- Keep your discharge summary. It is your record of what was treated and what was charged to your limit.
KP Sehat Card Plus vs Punjab’s Programme
The two provinces run separate programmes. Use the one for the province on your NADRA record.
| KP (Sehat Card Plus) | Punjab (Sehat Sahulat) | |
|---|---|---|
| Run by | Government of KP | PHIMC, Punjab government |
| Who | Permanent KP residents | Permanent Punjab residents |
| Yearly cover | Up to Rs 1,000,000 per family | Rs 60,000 secondary + Rs 400,000 priority |
| Helpline | 0800-89898 | 0800-07542 |
| Eligibility SMS | 9780 | 8500 |
Do not mix the two up — the Punjab card does not work in KP panel hospitals and vice versa.
Required Documents
- Original valid CNIC of the patient (or family head)
- Form-B (CRC) for children under 18
- NADRA Family Registration Certificate — useful if your family record is unclear
- Previous discharge summaries if you are continuing treatment
Problems and Fixes
| Problem | Real cause | Exact fix |
|---|---|---|
| SMS reply says “not eligible” | NADRA family record unclear or address not showing KP | Update family record at NADRA, then re-check after the update |
| Hospital refuses treatment | Treatment is OPD-only, excluded, or your tier limit is used up | Ask the Sehat counter for the written reason; confirm exclusion on the official FAQ |
| Hospital asks for payment | Bill includes non-covered items, or the hospital is overcharging | Ask for an itemised bill; refuse to pay covered items; complain to the helpline |
| Newborn not accepted | No Form-B yet | Get Form-B from NADRA; the hospital covers the baby briefly after birth |
| Counter is closed or unhelpful | Staff gap at that hospital | Note the hospital name and time; report to the helpline 0800-89898 |
Fraud Warning
- The Sehat Card is completely free. There is no registration fee, no premium, no activation charge.
- Never pay any agent, middleman, or hospital staff for the card or for “faster” treatment.
- Nobody from the programme will call you asking for your CNIC number, OTP, or bank details. Do not share them.
- Only trust the official portal and the official helpline 0800-89898.
- If someone demands money at a panel hospital, refuse and report it.
Tips for KP Families
- Keep your NADRA family record updated — a wrong address or missing member is the most common reason for rejection.
- Always confirm the hospital is on the current panel list before admission, especially private hospitals.
- Ask the doctor clearly: is this admission or OPD? OPD is not covered.
- Keep every discharge summary and bill — they help if you need to complain or continue treatment elsewhere.
- For planned surgeries, call the helpline first to confirm your remaining balance covers the procedure.
- Children under 18 need Form-B — get it made early, not in an emergency.
FAQs — KP Sehat Card Plus 2026
1. Is KP Sehat Card Plus really free for everyone?
Yes. It is a government-funded cashless health insurance scheme. Every permanent-resident family of KP with a valid CNIC is covered, and no premium, fee, or registration charge applies at any stage.
2. How much does KP Sehat Card Plus cover in 2026?
Up to Rs 1,000,000 per family per year — split into Rs 200,000 for basic care, Rs 400,000 for advanced care, and Rs 400,000 of additional cover for cancer, transplants, accidents, and ICU care.
3. Do I need a separate Sehat Card or registration?
No. Your NADRA CNIC itself is your card. Eligibility is checked automatically through NADRA records at the hospital’s Sehat counter. You only need your original CNIC (and Form-B for children).
4. How do I check my KP Sehat Card eligibility by SMS?
Send your 13-digit CNIC number without dashes to 9780 (KP-specific) or 8500. The reply tells you whether your family is enrolled. If it says no, check your NADRA family record first.
5. Which hospitals accept Sehat Card Plus in KP?
Both public and private hospitals empanelled by the programme — over 170 inside KP, plus designated hospitals nationwide. The list changes, so confirm the hospital is currently empanelled before admission.
6. Does Sehat Card Plus cover OPD check-ups?
No. The programme covers inpatient (admission) treatment only. OPD visits, routine check-ups, vaccinations, dental work, cosmetic surgery, and infertility treatment are excluded.
7. What is the Sehat Card Plus helpline number?
The official helpline is 0800-89898. Call it for eligibility questions, hospital list confirmation, balance queries, and complaints against panel hospitals.
8. Is a newborn baby covered?
A newborn is covered briefly after birth, but the family must then get a Form-B (CRC) from NADRA to keep the child covered under the family limit. Get it made early.
9. What should I do if a hospital demands payment?
Do not pay for covered services. Ask for an itemised bill, speak to the hospital’s Sehat focal person, and report the incident to the helpline 0800-89898 with the hospital name and date.
Conclusion
KP Sehat Card Plus 2026 gives every Khyber Pakhtunkhwa family free hospital treatment worth up to Rs 1 million a year — with your CNIC as the only card you need. Keep your NADRA record updated, choose a panel hospital, and use the helpline 0800-89898 whenever something goes wrong. Share this guide with family members in KP so everyone knows the card is free. For the Punjab version of the programme, see our separate guide on Punjab Sehat Card 2026.
Disclaimer
This information is based on official Sehat Card Plus announcements and the programme’s published FAQ as of October 2026. Coverage limits, hospital lists, and helpline details may change. Verify current details on the official Sehat Card Plus portal before seeking treatment. This is an informational guide only and not medical or legal advice.
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