A recent World Bank study found that out-of-pocket health expenditures make up a significant portion of health spending in Pakistan – an estimated 63 percent. This means that individuals and families bear the brunt of the costs associated with health care, whether it is for routine check-ups or emergency care.
The cost of health insurance in Pakistan varies depending on the type of coverage and the provider. For example, private health insurance plans can range from PKR 3,000 to PKR 30,000 (approx. $18 to $180 USD) per year. Public health insurance plans are typically less expensive, with premiums starting as low as PKR 500 (approx. $3 USD) per year.
Of course, the cost of health insurance is just one part of the overall equation. Individuals also need to consider the cost of care, which can vary widely depending on the type of treatment required. For example, a routine doctor’s visit may cost as little as PKR 100 (approx. $0.60 USD), while a major surgery can cost upwards of PKR 1 million (approx. $6,000 USD).
There are a number of factors to consider when trying to decide whether or not to purchase health insurance in Pakistan. However, the bottom line is that health insurance can help protect you and your family from the high costs of medical care.