Affordable cashless hospitalization with 30% discounts on labs & diagnostics. Pakistan’s First AI Health Insurance Calculator for families, parents & individuals
Pakistan’s First AI Health Insurance Calculator – for families, parents & individuals

Health Insurance in Pakistan Calculate Your Premium Instantly

Protect your health, savings, and peace of mind with trusted EFU Life coverage.
At Insurance Wala, we make health insurance in Pakistan easy to understand and even easier to buy. Whether you’re an individual, a young couple, or a parent securing your family’s future, our plans are designed around your real needs not generic templates.

Through our AI-based Health Insurance Calculator, you can instantly compare premiums, maternity coverage, and hospital networks across Pakistan. Our plans start from ₨7,000 for individuals and ₨11,300 for families, giving you nationwide protection backed by one of Pakistan’s most reliable insurance providers.

Health Insurance Calculator

🩺 Why Health Insurance Matters for Families and Parents in Pakistan

With rising medical costs in Pakistan, having reliable health insurance coverage is no longer a luxury. it’s a necessity. Even a small illness can lead to unexpected hospital bills, and serious conditions like cardiac emergencies, accidents, or critical illnesses can quickly drain your savings. By paying a small health insurance premium through Insurance Wala, you protect yourself and your family from financial stress and get peace of mind knowing your medical expenses are covered when it matters most

Overseas Family Support: Even if you’re abroad, you can manage your family’s health needs in Pakistan with online doctor consultations and cashless facilities Parents’ Medical Needs: Aging parents often need frequent care our Parents Care Plan covers hospitalization and online consultations
Unexpected Hospitalization: A sudden viral infection or surgery can cost over ₨200,000 insurance covers your bills so you can focus on recovery, not payments
Cardiac Emergency: Heart treatments and angioplasty expenses can exceed ₨1 million. With Health Insurance, your coverage takes care of it
Accident or Injury: Road accidents can lead to high medical expenses and long recovery times insurance ensures you get the best treatment without financial worry

Women Sheild

Women face unique health challenges such as breast cancer, cervical cancer, hormonal and reproductive disorders. Our health plans include specialized coverage and preventive care benefits designed to support women through every stage of life — from early detection to complete recovery

Cardiac Coverage

Heart diseases can strike without warning treatment shouldn’t drain your savings. Insurance Wala’s Cardiac Insurance covers angioplasty, bypass surgery, and long-term cardiac care so you can focus on recovery, not hospital bills

Domestic Help Coverage

A dedicated health protection plan designed exclusively for maids, drivers, cooks, and babysitters so employers never get hit with unexpected medical expenses again
Health Insurance Calculator

Health Insurance Calculator

Get your personalized health insurance quote in minutes

Personal Shield
Family Shield
Parents Plan
1
Coverage Type
2
Plan Details
3
Your Information
4
Review & Quote

Select Coverage Type

Choose the type of health insurance coverage you need

Bronze
Essential Coverage
  • Rs. 100,000 Annual Limit
  • General Ward
  • Basic hospitalization
Rs. 100,000
Silver
Enhanced Coverage
  • Rs. 250,000 Annual Limit
  • Semi Private Room
  • Diagnostic tests
Rs. 250,000
Gold
Comprehensive Coverage
  • Rs. 500,000 Annual Limit
  • Private Room
  • Maternity coverage
Rs. 500,000
Platinum
Premium Coverage
  • Rs. 750,000 Annual Limit
  • Private Room
  • International coverage
Rs. 750,000
Titanium
Elite Coverage
  • Rs. 1,000,000 Annual Limit
  • Private Room
  • Executive health checkups
Rs. 1,000,000

Select Plan Details

Customize your health insurance plan based on your needs

Specialized Investigations Covered

MRI
CT Scan
PET Scan
Thallium Scan
ECHO

Your Information

Please provide your details to calculate your premium

Please enter your full name
+92
Please enter a valid phone number

Your Health Insurance Quote

Here's your personalized health insurance premium

Your Estimated Annual Premium

Rs. 7,500

Inclusive of all taxes

Plan Details

Plan Type: Personal Shield

Coverage Level: Bronze

Member Age: 30-39 Years

Additional Coverage: None

Name: -

Contact: -

Hospitalization
Rs. 100,000
Per policy year
Day Care Procedures
Full Coverage
No sub-limits
Pre & Post Hospitalization
30 Days
Covered for each

Key Benefits

  • Cashless hospitalization at 300+ network hospitals
  • Pre & post hospitalization coverage (30 days each)
  • Day care procedures covered
  • Ambulance cover
  • Emergency evacuation services
  • Pre-existing conditions covered (gradually)
1
Family Composition
2
Plan Details
3
Your Information
4
Review & Quote

Family Composition

Select your family composition for health insurance

Bronze
Essential Coverage
  • Rs. 100,000 Annual Limit
  • General Ward
  • Basic hospitalization
Rs. 100,000
Silver
Enhanced Coverage
  • Rs. 250,000 Annual Limit
  • Semi Private Room
  • Diagnostic tests
Rs. 250,000
Gold
Comprehensive Coverage
  • Rs. 500,000 Annual Limit
  • Private Room
  • Maternity coverage
Rs. 500,000
Platinum
Premium Coverage
  • Rs. 750,000 Annual Limit
  • Private Room
  • International coverage
Rs. 750,000
Titanium
Elite Coverage
  • Rs. 1,000,000 Annual Limit
  • Private Room
  • Executive health checkups
Rs. 1,000,000

Select Plan Details

Customize your family health insurance plan

Select a maternity plan to add to your family coverage:

Bronze
Rs. 18,800
Silver
Rs. 28,600
Gold
Rs. 35,600
Platinum
Rs. 41,600
Titanium
Rs. 45,400
CoverageBronzeSilverGoldPlatinumTitanium
Normal DeliveryRs. 50,000Rs. 125,000Rs. 250,000Rs. 375,000Rs. 500,000
Complicated/Assisted Delivery or C-SectionRs. 100,000Rs. 175,000Rs. 325,000Rs. 500,000Rs. 650,000
Premium RatesRs. 18,800Rs. 28,600Rs. 35,600Rs. 41,600Rs. 45,400

Specialized Investigations Covered

MRI
CT Scan
PET Scan
Thallium Scan
ECHO

Your Information

Please provide your details to calculate your premium

Please enter primary member name
+92
Please enter a valid phone number

Your Family Health Insurance Quote

Here's your personalized family health insurance premium

Your Estimated Annual Premium

Rs. 25,000

Inclusive of all taxes

Plan Details

Plan Type: Family Shield

Coverage Level: Bronze

Family Members: Self + Spouse + 2 Children

Age of Eldest: 30-39 Years

Additional Coverage: None

Primary Member: -

Contact: -

Hospitalization
Rs. 100,000
Per policy year
Day Care Procedures
Full Coverage
No sub-limits
Pre & Post Hospitalization
30 Days
Covered for each

Key Benefits

  • Cashless hospitalization at 300+ network hospitals
  • Pre & post hospitalization coverage (30 days each)
  • Day care procedures covered
  • Ambulance cover
  • Emergency evacuation services
  • Pre-existing conditions covered (gradually)
  • Maternity cover available as add-on
1
Parents Composition
2
Plan Details
3
Your Information
4
Review & Quote

Parents Composition

Select the parents to include in your health insurance plan

Bronze
Essential Coverage
  • Rs. 100,000 Annual Limit
  • General Ward
  • Basic hospitalization
Rs. 100,000
Silver
Enhanced Coverage
  • Rs. 250,000 Annual Limit
  • Semi Private Room
  • Diagnostic tests
Rs. 250,000
Gold
Comprehensive Coverage
  • Rs. 500,000 Annual Limit
  • Private Room
  • Maternity coverage
Rs. 500,000
Platinum
Premium Coverage
  • Rs. 750,000 Annual Limit
  • Private Room
  • International coverage
Rs. 750,000
Titanium
Elite Coverage
  • Rs. 1,000,000 Annual Limit
  • Private Room
  • Executive health checkups
Rs. 1,000,000

Select Plan Details

Customize your parents' health insurance plan

Specialized Investigations Covered

MRI
CT Scan
PET Scan
Thallium Scan
ECHO

Your Information

Please provide your details to calculate your premium

Please enter your full name
+92
Please enter a valid phone number

Your Parents Health Insurance Quote

Here's your personalized parents health insurance premium

Your Estimated Annual Premium

Rs. 22,000

Inclusive of all taxes

Plan Details

Plan Type: Parents Plan

Coverage Level: Bronze

Parents Covered: Father + Mother

Age of Eldest: 55-59 Years

Additional Coverage: None

Your Name: -

Contact: -

Hospitalization
Rs. 100,000
Per parent per year
Day Care Procedures
Full Coverage
No sub-limits
Pre & Post Hospitalization
30 Days
Covered for each

Key Benefits

  • Cashless hospitalization at 300+ network hospitals
  • Pre & post hospitalization coverage (30 days each)
  • Day care procedures covered
  • Ambulance cover
  • Emergency evacuation services
  • Pre-existing conditions covered (gradually)
  • Specialized coverage for age-related conditions

Thank You!

Your health insurance quote has been sent to your WhatsApp.

Our representative will contact you shortly to discuss the details.

Pre-Existing Conditions Covered

Pre-existing medical conditions are covered 25% in the 1st year, 50% in the 2nd, and 100% from the 3rd year onward
Illustration of a husband and wife with a baby in the womb, representing maternity and newborn coverage under Insurance Wala’s family health insurance plans in Pakistan.

Maternity Coverage

Maternity coverage is available after a 9-month waiting period. This benefit applies only if both husband and wife are enrolled in the hospitalization plan

Parents Care

Protect your parents with lifetime renewability up to age 80. Enjoy cashless hospital access, online doctor consultations, and exclusive discounts on labs and pharmacies

Get Your Personalized Health Insurance Quote in Pakistan Protect What Truly Matters

You’ve already used the Health Insurance Calculator, now take the final step to secure your family’s future.
At Insurance Wala, we help individuals, families, and business owners find the best health insurance plans in Pakistan — with honest advice, transparent options, and no hidden costs.

Your health deserves more than guesswork it deserves a plan built around you.
Book your free expert consultation now and get a personalized quote that matches your protection needs and budget.

Get an Insurance Quote

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