Adamjee Health Guard Premium

by Adamjee Insurance

★★★☆☆3.9(4,210 reviews)

Adamjee Health Guard Premium is a stalwart of Pakistan's private health insurance market, offered by the country's oldest general insurer, providing reliable hospital coverage and cash benefits for Pakistan's corporate and individual customers.

Monthly Premium

PKR 2,000 – PKR 9,000

Deductible

PKR 5,000

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✗Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Deep institutional trust from Pakistan's oldest general insurance brand
✓Hospital cash benefit adds meaningful income protection value
✓Competitive group corporate plan pricing for businesses

Cons

✗Digital claims infrastructure behind newer competitors
✗Outpatient benefit sub-limits can be restrictive for frequent clinic visitors

Editorial Review

“Adamjee Health Guard Premium carries the weight of Pakistan's oldest insurance brand, offering dependable hospital coverage and corporate group plan pricing that has kept it competitive despite newer digital-first rivals.”

— Dawn Business Pakistan, 2024