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What is Health Insurance?
What our customers say about health insurance claim
Benefits of Health Insurance in Pakistan
Pre Hospitalization Expenses
Pre-hospitalisation expenses are medical costs incurred by the insured before getting admitted in a hospital. Pre-hospitalization time limit ranges between 30 to 60 days before hospitalization. Health insurance not only entails medical expenses during medical emergencies but also encompasses pre hospitalization expenses.
Post Hospitalization Expenses
Post-hospitalization are the medical cost incurred after the patient has been discharged. Post Hospitalization time limit ranges between 30 to 60 days after hospitalization. Health insurance not only entails medical expenses during medical emergencies but also encompasses post hospitalization expenses.
Choose your preferred Hospital
When you get health insurance you can opt to get treated at any of the network hospitals that are offered under your insurance provider's agreement.
Cashless benefit/Claim
Cashless claim allows insurance member to receive medical treatment without the need to submit a claim for or pay for treatment. Insurance companies are registered with a large number of hospitals in their network. Get health insurance with the cashless facility, stay tension-free and cure yourself faster.
Emergency Medical Expenses
Fever, flu, and cough are normal and they go with proper care, but what if you need a surgery that costs more than your monthly budget, health insurance can provide you finest possible treatment.
Pre Hospitalization Expenses
Pre-hospitalisation expenses are medical costs incurred by the insured before getting admitted in a hospital. Pre-hospitalization time limit ranges between 30 to 60 days before hospitalization. Health insurance not only entails medical expenses during medical emergencies but also encompasses pre hospitalization expenses.
Post Hospitalization Expenses
Post-hospitalization are the medical cost incurred after the patient has been discharged. Post Hospitalization time limit ranges between 30 to 60 days after hospitalization. Health insurance not only entails medical expenses during medical emergencies but also encompasses post hospitalization expenses.
Choose your preferred Hospital
When you get health insurance you can opt to get treated at any of the network hospitals that are offered under your insurance provider's agreement.
Cashless benefit/Claim
Cashless claim allows insurance member to receive medical treatment without the need to submit a claim for or pay for treatment. Insurance companies are registered with a large number of hospitals in their network. Get health insurance with the cashless facility, stay tension-free and cure yourself faster.
Emergency Medical Expenses
Fever, flu, and cough are normal and they go with proper care, but what if you need a surgery that costs more than your monthly budget, health insurance can provide you finest possible treatment.
Pre Hospitalization Expenses
Pre-hospitalisation expenses are medical costs incurred by the insured before getting admitted in a hospital. Pre-hospitalization time limit ranges between 30 to 60 days before hospitalization. Health insurance not only entails medical expenses during medical emergencies but also encompasses pre hospitalization expenses.
Health Insurance Guide
All your medical needs ranging from Inpatient, Outpatient and Maternity cover. It covers you against the costs incurred as a result of illness and accident.
The true value of health insurance is in the access to quality healthcare that it offers you at the time of an acute, unforeseen medical emergency, such as a heart attack, an accident or the onset of cancer; emergencies which require costly treatment and can set back a family’s finances by many years. Not in the treatment of day to day ailments which undervalue the worth of such a product and unnecessarily increase the cost of health.
Health insurance to some extent is counted as an essential need of humans. If you look around yourself, there are various health insurance companies in Pakistan that provide different rates on different plans and finding the right one can be difficult. Comparing health insurance plans can be one of the solutions where you can compare all the best insurance companies in Pakistan and for that you can use Smartchoice.pk which enables you to compare four insurance companies side by side at the same time. Once you have decided what suits you the best you can also buy and save on your health insurance policy directly from Smartchoice.pk.
Have you ever been in a situation where you have to compromise on your health just because you pocket was limiting the medical expenses?Can you predict the timing of your illness? It’s easy to get sick but does your pocket allow you to bear such unexpected medical expenses? We might save for a dream vacation, a dream car or a child’s dream. But seldom do we set aside a portion of our savings for any ailment. Yet, despite our best efforts, illnesses do occur. With the ever increasing cost of health care, these unforeseen circumstances can take a toll on our savings.
Family health insurance in Pakistan has been specially designed to provide health cover to you, your spouse and your children under a single policy in case of any illness or accident that leads to hospitalisation. These policies have cashless claim process registered with a vast network of qualified doctors and proper hospitals.The amount of sum insured floats over the entire family – this means that the limit can be used by any member of the family and for any number of times.
You try to be very precautious about your health,you eat healthy,make healthy decisions for yourself but what if you get any unexpected ailment and you most importantly your pocket was not ready for it.This where Individual Health Insurance comes forward and take situation in control,it will provide you cashless claim,hospitalization expenses, surgical & miscellaneous expenses.The individual health insurance age limits are between 18-49 years is eligible for this coverage (Once covered, policy can be renewed yearly till age 60).
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear r… +
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear response, even if the response is to confirm that the specific request is not part of services, etc. -
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues wi… +
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues with individual policies. Thanks to SmartChoice for giving us the platform. Last but not least, Mr. Ajay Kumar is a very good person. He knows everything about the insurance offering and always offers the best-suited policy. If I say he is working on the SmartChoice.PK's mission is to offer the best policies tailored to your needs, so I won't be wrong. Thank you, Ajay, and SmartChoice.pk -
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled … +
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled my claim during a hospital emergency without any stress. Responsive, honest, and truly client-first. Highly recommend. Sobia shams., Karachi -
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very… +
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very professional, polite, and helpful throughout. She responded quickly and guided me properly regarding my issue. Overall, I am satisfied with the service and would recommend Smartchoice.pk to others for travel insurance.” -
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank yo… +
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank you -
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in ti… +
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in time in a critical time where there was an urgent need situation, also selecting best plan in best cost. Was available to support 24/7. Allah bless for such amazing service. -
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this … +
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this car insurance. -
I live in USA. I don't know much about vehicle insurance and so. Somehow I found Aisha bukhari. She was honest and very helpful to get the best insurance for my new bike. Also I am going to get car insurance so… +
I live in USA. I don't know much about vehicle insurance and so. Somehow I found Aisha bukhari. She was honest and very helpful to get the best insurance for my new bike. Also I am going to get car insurance soon by her. Just wanted to say special Thx to Aisha. ⭐⭐⭐⭐⭐ -
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart c… +
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart choice -
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart c… +
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart choice -
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best cove… +
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best coverage at a competitive price. The customer support team Ayesha Bukhari was highly responsive and guided me through every step of the process, ensuring I understood all the details before finalizing my policy. What impressed me most was the transparency and quick turnaround time—everything was processed smoothly without any hidden charges or complications. I highly recommend Smartchoice for anyone looking for reliable and hassle-free car insurance in Pakistan." -
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best cove… +
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best coverage at a competitive price. The customer support team Ayesha Bukhari was highly responsive and guided me through every step of the process, ensuring I understood all the details before finalizing my policy. What impressed me most was the transparency and quick turnaround time—everything was processed smoothly without any hidden charges or complications. I highly recommend Smartchoice for anyone looking for reliable and hassle-free car insurance in Pakistan." -
Thank you for your support with my insurance needs. I truly appreciate the clear communication, friendly staff, and the overall positive experience. Everyone I interacted with was professional and kind. I’m gla… +
Thank you for your support with my insurance needs. I truly appreciate the clear communication, friendly staff, and the overall positive experience. Everyone I interacted with was professional and kind. I’m glad I chose to take services from your team. -
I had an excellent experience with SmartChoice.pk. Thank you for providing such an informative and helpful platform. I obtained health insurance information through your website last year, and I recently had th… +
I had an excellent experience with SmartChoice.pk. Thank you for providing such an informative and helpful platform. I obtained health insurance information through your website last year, and I recently had the opportunity to use that insurance plan. The entire process was smooth and hassle-free. A representative from SmartChoice guided me throughout and was consistently available to answer my questions and provide assistance whenever needed. -