KP Sehat Card Plus: Check Eligibility by SMS, Coverage and Hospitals
Check KP Sehat Card Plus eligibility by texting your CNIC to 8500 or 9780. Who is covered, the Rs 1 million yearly limit, exclusions and how admission works.
To check KP Sehat Card Plus eligibility, SMS your CNIC number to 8500 or 9780, or call the toll-free line 0800-89898. Every permanent resident of Khyber Pakhtunkhwa registered with NADRA is covered automatically. Your CNIC is the card, and only hospital admission is free, not OPD.
A relative in Peshawar is told at the hospital counter that the family "is not in the system". Very often the problem is not the Sehat Card at all. It is the family record at NADRA. That is the first thing to know about Sehat Card Plus, the Khyber Pakhtunkhwa government's health insurance programme.
A warning on sources first. The programme's official website, sehatcardplus.gov.pk, refused our connection on 29 September 2026 with an "Access Denied" page and a notice that the service "is not available in your region". So we read its published pages from the web archive: the home page and FAQ as they stood in April 2025, and the coverage page as of February 2024. Figures may have changed since, and we say where that matters.
Every permanent resident of KP is covered automatically
The official FAQ says all permanent residents of Khyber Pakhtunkhwa registered with NADRA are covered. You do not apply or register. If your CNIC or Form B carries a permanent KP address, you are enrolled, unless your family status in NADRA's records is unclear.
The programme calls itself a micro health insurance scheme for all citizens of KP, run through an insurance company picked by national competitive bidding. Its partners, listed on the site, are the KP Health Department, KfW, NADRA and State Life. In April 2025 the home page said more than 7.2 million families were covered, at a yearly cost of around Rs 18 billion.
KP runs its own programme, separate from Punjab's. The federal and Punjab picture, including why many Punjab cards now pay only half, is in what the Sehat Card covers now. Nothing in KP's published pages mentions a similar split.
How to check your KP Sehat Card Plus eligibility
Send your CNIC number, with no dashes, by SMS to 8500 or 9780. The reply tells you whether your family is enrolled. The official site also had a free CNIC check on its home page, and the helpline 0800-89898 can confirm by phone.
- Open a new SMS on any mobile.
- Type your 13-digit CNIC number, with no dashes or spaces.
- Send it to 8500 or 9780.
- Read the reply for your enrolment status.
- If you are not found, call 0800-89898 or check your family record at NADRA.
The same 8500 code is used for Punjab and federal checks, which are covered in the Sehat Card eligibility check. Your reply depends on your permanent address, so two relatives in different provinces can get different answers and both be right.
Fix a "not eligible" reply at NADRA
Most "not eligible" replies come from the family record, not the programme. The FAQ says unclear family status in NADRA blocks you until NADRA fixes it. Widows, divorced women and newly married couples must register their new family at NADRA first.
Then there is a wait. The FAQ says new family data is added to the programme twice a year, on 1 January and 1 July. So a couple who registered their family in August may not show until January.
| Your situation | What the official FAQ says |
|---|---|
| Newly married, new family at NADRA | Added on the next 1 January or 1 July |
| Widow or divorced woman | Register as head of family at NADRA, then wait for the next update |
| Newborn baby | Covered for 1 month after birth, then needs a Form B |
| Family status unclear at NADRA | Not eligible until NADRA resolves it |
A NADRA Family Registration Certificate shows exactly how your family is recorded, so it is a good first check if the SMS says no.
Sehat Card Plus covers admission up to Rs 1 million a year
The programme pays for inpatient treatment up to Rs 1 million per family per year, according to the April 2025 home page. The coverage page splits that into Rs 200,000 for basic care, Rs 400,000 for advanced care and Rs 400,000 of additional cover.
| Tier | Limit per family per year | What it covers |
|---|---|---|
| Basic treatment | Rs 200,000 | Secondary care at DHQ, THQ and private hospitals: emergencies, general medicine and surgery, orthopaedics, gynae and obstetrics, children, eye and ENT |
| Advanced treatment | Rs 400,000 | Heart disease, diabetes complications, all cancers, kidney disease with dialysis and transplant, neurosurgery, artificial limbs, breast cancer screening |
| Additional coverage | Rs 400,000 | Cancer treatment, kidney transplant, accident and emergency, ICU care |
The yearly balance refills to the full amount after each year. Unused balance cannot be taken as cash. The FAQ is clear on that.
What is not covered matters just as much. OPD visits, routine check-ups, vaccinations, most dental work, cosmetic surgery, infertility treatment, spectacles and hearing aids are all on the exclusion list. So are injuries from natural disasters and epidemics.
The April 2025 FAQ also listed a Rs 1,000 maternity payment on discharge and a Rs 10,000 burial allowance. We could not confirm on a live official page that these are still paid, so do not count on them.
Use any empanelled hospital in Pakistan
You can be admitted free at any empanelled hospital in the country, not only in KP. Go to the hospital's Sehat Card Plus counter with your CNIC, or Form B for a child. The counter verifies you and gives a referral letter for free admission.
- Call 0800-89898 to find the nearest empanelled hospital.
- Go to the Sehat Card Plus counter with the patient's CNIC or Form B.
- The counter verifies the CNIC and issues a referral letter.
- The doctor decides whether you need admission.
- If admitted, treatment is free up to your family's remaining balance.
The hospitals list on the official site loads inside the page, and the archived copy did not keep it. So we cannot print it here. The helpline is the reliable way to confirm a hospital before you travel, and it is worth the call. Turning up at a hospital that left the panel is a long day wasted.
Complaints go to 0800-89898 or the Sehat Card office
Complaints and feedback go to the toll-free number 0800-89898, the email feedback@sehatcardplus.gov.pk, or the contact form on the official website. The Sehat Card office is in Hayatabad, Peshawar.
The contact page gives the address as the KP Sehat Card office (SHPI, Health Department), 2nd Floor, Workers Welfare Board Building, near the FIA office, Phase 5, Hayatabad, Peshawar. Its form has categories for hospital, registration and counter staff complaints. Keep the patient's CNIC, the hospital name and the admission date ready when you call.
Common questions
How do I check if I have a Sehat Card in KP?
SMS your CNIC number to 8500 or 9780. The official FAQ lists both codes. You can also call 0800-89898.
Do I need a separate card for Sehat Card Plus?
No. The official FAQ says your CNIC is your Sehat Card. Children use their Form B.
Is OPD free on the KP Sehat Card?
No. Free treatment is only for admission in an empanelled hospital. OPD consultations and tests are paid by the patient.
Can I use KP Sehat Card Plus in Islamabad or Lahore?
Yes. The FAQ says you can be admitted free at any empanelled hospital anywhere in the country, not only in Khyber Pakhtunkhwa.
Why does my new wife not show in Sehat Card Plus?
New families created at NADRA are added on 1 January and 1 July. Register the family at NADRA, then wait for the next update.
How we verified this
What we checked, where we read it, and what we could not confirm.
We tried sehatcardplus.gov.pk on 29 September 2026 and it returned "Access Denied" to our connection. We read its home page and FAQ as archived in April 2025, its coverage page as archived in February 2024, and its contact page as archived in May 2025. Limits, codes and hospital panels may have changed since those dates, so confirm on 0800-89898 before relying on a figure.
About the author
Tax, Bills and Technology Writer
Ali Akhtar is a young and curious voice here at Pakistan Era. He is currently pursuing his A-Levels and has a growing interest in Pakistan’s changing industrial landscape and educational trends. Ali likes to write in a way that helps him explain and explore the world around him. His writing reflects the perspective of the new generation navigating the evolving trends of Pakistan where technology, youth innovation, and shifting opportunities are reshaping the country’s future.
