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State Life Insurance Corporation of Pakistan

State Life Insurance Corporation

80Score

★★★☆☆3.2

Customer satisfaction · 90.0M members

Government-Backed Insurer(2026)

State Life Insurance Corporation (SLIC) is the government-owned insurer that administers Pakistan's Sehat Sahulat Programme, providing free inpatient care to approximately 90 million low-income beneficiaries. It is the largest insurer by covered lives in Pakistan.

Overall Score

80/100

Founded

1972

Headquarters

Karachi

Type

public

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Key Metrics

Sehat Sahulat Coverage

PKR 460,000/family/year

Covered Lives

~90 million

Coverage Type

Inpatient (maternity, surgeries, cancer, cardiac)

Funding Model

Government-funded

Editorial Ratings

Government-Backed Insurer(2026)

Rating: Government-backed entity (max: N/A)

80SECP

Coverage Highlights

✓Sole administrator of the Sehat Sahulat Programme
✓PKR 460,000/family coverage for inpatient care including maternity, surgeries, cancer, cardiac
✓Largest insurer by number of covered lives in Pakistan
✓Government-backed financial security
✓Wide hospital panel nationwide

Pros

✓Covers the most people of any health insurer in Pakistan
✓Free coverage for low-income families
✓Wide hospital panel nationwide
✓Government financial backing

Cons

✗Limited to inpatient care (no outpatient coverage)
✗Bureaucratic claims process
✗Quality of empaneled hospitals varies significantly

Frequently Asked Questions

What is the Sehat Sahulat Programme?

The Sehat Sahulat Programme (SSP) is Pakistan's government-funded health insurance program administered by State Life Insurance Corporation. It provides free inpatient care of up to PKR 460,000 per family per year to low-income families.

Who is eligible for the Sehat Sahulat Programme?

The programme targets low-income families identified through the National Socio-Economic Registry (NSER). Approximately 90 million Pakistanis are covered under the programme.

Does State Life Insurance cover outpatient care?

No. The Sehat Sahulat Programme covers only inpatient care including hospitalization, surgeries, maternity, cancer treatment, and cardiac procedures. Outpatient care is not included.

Quick Summary

InsurerState Life Insurance Corporation of Pakistan

Country🇵🇰 Pakistan

Overall Score80/100

Satisfaction3.2/5

Members90.0M

Typepublic

Founded1972

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