PTCL Waada Health Insurance: 7 Bundles From Rs 250, and Free Platinum Cover on 50 Mbps (Pakistan)
PTCL Waada insurance has six paid bundles from Rs 250 to Rs 1,000 a month and free Platinum cover on 50 Mbps. Benefits, C-section cover and how to subscribe.
PTCL sells Waada hospitalisation insurance as an add-on to its internet bill, in six paid bundles from Rs 250 to Rs 1,000 a month. Customers on a 50 Mbps or faster Flash Fiber package get the Platinum bundle free. The cover is underwritten by EFU Life Assurance. The paid bundles add higher hospital and ICU benefits, and the Plus bundles add a C-section benefit of Rs 10,000 to Rs 25,000.
One finding matters before you pay for anything. The free Platinum bundle carries exactly the same benefits as the Rs 250 Basic bundle. So a 50 Mbps customer gains nothing by buying Basic, and should look at Standard or Premium only if the higher limits are worth the money. This guide lists every bundle, what it pays, and how to sign up.
PTCL Waada insurance bundles and monthly prices
PTCL lists seven bundles. Six are paid monthly through the PTCL bill. The seventh, Platinum, is free with 50 Mbps and higher packages. PTCL calls the cover an Islamic insurance benefit.
| Bundle | Price a month | Adult ward (Rs) | Adult ICU (Rs) | Child ward (Rs) | Child ICU (Rs) | C-section (Rs) | Reimbursement adult / child (Rs) |
|---|---|---|---|---|---|---|---|
| Platinum | Free on 50 Mbps and above | 3,000 | 6,000 | 1,500 | 3,000 | None | 90,000 / 45,000 |
| Basic | Rs 250 | 3,000 | 6,000 | 1,500 | 3,000 | None | 90,000 / 45,000 |
| Basic Plus | Rs 450 | 3,000 | 6,000 | 1,500 | 3,000 | 10,000 | 90,000 / 45,000 |
| Standard | Rs 450 | 6,000 | 12,000 | 3,000 | 6,000 | None | 135,000 / 90,000 |
| Standard Plus | Rs 800 | 6,000 | 12,000 | 3,000 | 6,000 | 15,000 | 135,000 / 90,000 |
| Premium | Rs 800 | 7,500 | 15,000 | 6,000 | 12,000 | None | 180,000 / 135,000 |
| Premium Plus | Rs 1,000 | 7,500 | 15,000 | 6,000 | 12,000 | 25,000 | 180,000 / 135,000 |
The ward and ICU columns are the hospital benefit PTCL lists for a stay in a general ward or in intensive care. The reimbursement column is the larger amount for an adult and for a child. Ask Waada on the claim line how each amount is paid, for example per day of stay or per claim, before you rely on a figure for a planned treatment.
The free Platinum bundle matches the Rs 250 Basic bundle
PTCL's Flash Fiber site says customers on 50 Mbps and higher packages get the Platinum insurance bundle at no extra cost. That covers the 50 Mbps, 100 Mbps and 300 Mbps packages.
We checked the two tables side by side. Platinum lists Rs 3,000 adult ward, Rs 6,000 adult ICU, Rs 1,500 child ward, Rs 3,000 child ICU and reimbursement of Rs 90,000 for an adult and Rs 45,000 for a child. Basic lists the same five figures. Neither has a C-section benefit.
So the name "Platinum" can mislead. It is the entry level cover, given free. If you are on 50 Mbps or more, these are your real choices:
- Keep only Platinum. Free, basic hospital cover.
- Buy Standard for Rs 450. Doubles the ward and ICU benefits and raises reimbursement to Rs 135,000 for an adult.
- Buy Premium Plus for Rs 1,000. The highest limits, plus Rs 25,000 for a C-section. This suits a family expecting a baby.
Which paid bundle fits which family
Two pairs cost the same but give different cover. Basic Plus and Standard both cost Rs 450. Standard Plus and Premium both cost Rs 800. In each pair, one adds a C-section benefit and the other raises every hospital limit instead.
| Your situation | Better pick | Why |
|---|---|---|
| Rs 450 budget, no pregnancy planned | Standard | Double the ward and ICU benefit of Basic Plus |
| Rs 450 budget, pregnancy planned | Basic Plus | Rs 10,000 C-section benefit |
| Rs 800 budget, no pregnancy planned | Premium | Highest limits, child ward Rs 6,000 |
| Rs 800 budget, pregnancy planned | Standard Plus | Rs 15,000 C-section benefit |
| Want everything | Premium Plus, Rs 1,000 | Highest limits and Rs 25,000 C-section |
Treat this cover as a top-up, not as full health insurance. The highest adult reimbursement is Rs 180,000. A serious surgery in a private hospital in Lahore or Karachi can cost more than that. For a wider comparison, see our guides to Ufone health and family insurance and Easypaisa insurance plans.
How to subscribe to PTCL Waada insurance
Customers below 50 Mbps opt in and pay the bundle fee in the monthly PTCL bill. The sign-up form is on PTCL's own site.
- Open the Insurance page on ptcl.com.pk. It sits under VAS, then Insurance.
- Enter your PTCL number (PSTN) with the area code.
- Enter your name and mobile number. Email is optional.
- Choose the bundle, from Basic to Premium Plus, and your city.
- Submit the form. The bundle fee then appears on your PTCL bill.
If you are on 50 Mbps or more, the Platinum bundle should already be on your account. Call 1218 if it does not show, or if you want to move from Platinum to a paid bundle. PTCL also lists 24/7 doctor consultation, lab and pharmacy discounts, and claims settled within 48 hours among the benefits.
Problems and fixes
- Your city is missing from the form. The list covers 108 cities. Call 1218 and ask PTCL to add the bundle by phone.
- You are on 50 Mbps but see no insurance. Ask 1218 to activate the free Platinum bundle on your account.
- You want to stop paying. The fee is part of the PTCL bill. Ask 1218 to remove the bundle before the next billing cycle, and check the next bill. Our PTCL bill check guide shows how to see it.
- You use Ufone too. Some Ufone monthly offers include a Waada subscription, dialled on *977#. Do not pay twice for the same cover without checking what each one pays.
Frequently asked questions
How much is PTCL Waada insurance?
From Rs 250 a month for Basic to Rs 1,000 a month for Premium Plus, added to the PTCL bill.
Who gets PTCL Waada insurance free?
Flash Fiber customers on 50 Mbps and higher packages get the Platinum bundle at no extra cost.
Is the free Platinum bundle better than Basic?
No. We compared PTCL's two tables. Platinum and Basic list the same benefits: Rs 3,000 adult ward, Rs 6,000 adult ICU and Rs 90,000 adult reimbursement.
Which PTCL insurance bundle covers a C-section?
Only the Plus bundles. Basic Plus pays Rs 10,000, Standard Plus Rs 15,000 and Premium Plus Rs 25,000.
Who is the insurer behind PTCL Waada?
PTCL says the product is offered with Waada and underwritten by EFU Life Assurance.
How fast are claims paid?
PTCL lists claims within 48 hours as one of the benefits.
How we verified this
What we checked and where we read it.
We read PTCL Flash Fiber's home page section on Waada Hospitalization Insurance, ptclflashfiber.com, and PTCL's benefit tables in the images on that page, plus PTCL's insurance sign-up page, ptcl.com.pk/Vas/InsuranceProduct, on 14 November 2026. The Ufone Waada code comes from Ufone's own offers page, read the same day. The bundle comparisons are our own reading of PTCL's tables.
About the author
Technology Journalist & Multimedia Producer
Ahmad Ali is a technology journalist and multimedia producer at Pakistan Era, joining the team in October 2026. He covers consumer technology and digital life for Pakistani readers, combining research with hands-on product testing.
