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Pakistan Health Insurance
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Pakistan Health Insurance Information
Pakistan is not a place that most individuals would think about when planning for their next vacation, however, this country blends the ancient with the modern; and makes for a very beautiful and exotic destination. Pakistan can be divided into four regions namely the great highlands, the Balochistan Plateau, the Indus Plain and the Desert areas. It is a place for those who are adventurous; activities like mountain expedition, rock and ice climbing, biking, and adventure trekking in the Northern part of Pakistan will be most suitable. Other activities include camel, boat and jeep safaris and visiting cultural and historic sites.
According to the healthcare policy of Pakistan, all citizens in Pakistan should have access to affordable and quality healthcare. The country’s heathcare system is comprised of both public and private healthcare. Pakistan’s healthcare system is however inadequate, inefficient and too expensive for most residents to afford. The public sector is under-funded and inefficient while the private sector is expensive and unregulated. These poor conditions in the health sector maybe attributed to a number of factors like poverty, unequal access to health facilities, inadequate allocation for health, high population growth and infant mortality. While travelling to Pakistan, it is therefore important to put in place a medical health insurance for yourself and your family.
If you are looking for peace-of-mind knowing that medical costs will be covered in case of an accident or illness for yourself and your family while travelling to Pakistan, an expat medical insurance plan will be the optimal solution for you. Plans can be tailor-made to give you flexibility, meet your individual needs, and may include benefits such as travel, maternity, dental and many other conditions. Should you require further information on Pakistan, global medical insurance, or receive a free consultation, please do not hesitate to call one of our expert advisers now.
Pakistan Health Insurance
At Globalsurance we work with a number of global health insurance products that you can take out in Pakistan. Global Health Insurance policies offered by Globalsurance can assist you to customize the policy coverage to suit your individual requirements. To discuss more with our experienced consultants about your time in Pakistan, global health insurance plans that we can offer you or for a free global health insurance quote, please contact us either by phone now or by filling in the simple form here.
Pakistan Healthcare System News
Pakistan, which used to be a British colony, has inherited a highly centralised healthcare system from the former British colonial power. The country achieved its independence in 1947. Since that time the Pakistani Government has been responsible for providing free national healthcare services to all citizens in almost all cities and towns.
Under the Pakistani constitution, healthcare is predominantly the responsibility of the provincial governments, except in the federally administered territories. The Federal Government is, however, responsible for planning and formulating national health policies, although the responsibility for implementation rests largely with the provincial governments. The Federal Ministry of health is responsible for the implementation of some vertical prevention programmes for risks such as AIDS and malaria, and extended programmes for immunization. The key elements of the vision of the Government on healthcare include i) prevention of disease, ii) access to a doctor for every citizen, iii) provision of affordable medicines and top standard medical education.
The healthcare system in Pakistan includes both public and private services. The public sector, which is regulated and recognised is comprised of health facilities from Basic Health Units (BHU’s), Rural Health Centres (RHC’s) and tertiary care facilities. In Pakistan, Primary Healthcare (PHC) units include both BHUs and RHCs, and less than 30% of the population uses the facilities of the PHC. Reasons that the public sector is severely under-utilised is mainly due to inherent weaknesses including insufficient focus on prevention and promotion of health, excessive centralization of management, political interference, lack of openness, weak human resource development, lack of integration, and lack of a public health policy.
The private sector serves nearly 70% of the population, and is primarily a fee-for-service system including services from trained physicians to alternative therapies spiritual healers. This sector does not work within regulatory framework and limited information is available e.g. information on human or financial resources.
The salary of a newly graduated doctor who joins the government service is paid US$120 per month, with an additional US$16.50 housing allowance. According to the World Health Organization (WHO), there are only 12 doctors to every 10,000 people in Pakistan and 10 hospital beds to every 10,000 people. Comparing to the United States, there are 22 doctors and more than 30 hospital beds per 10,000 people.
Corruption is a severe issue in the healthcare system in Pakistan. This has prevented the healthcare system from expanding in a meaningful way. Staff absenteeism and dual job holding is amongst the most serious issues at a health systems level in Pakistan; this undermines the service delivery and leads to closed/under utilised public health facilities, which in turn damage the equity and health objectives of the publicly financed healthcare. Obtaining medicine is also another major corrupt area of the healthcare industry, without giving tips and gifts (bribes) to medical staff, patients will receive little or no attention.
Although healthcare in Pakistan is slowly improving, it is still quite inadequate, inefficient and expensive. Whilst travelling or living in Pakistan, it is important to ensure that you and your family are fully protected by medical and health insurance.
Health Insurance for Expats in Pakistan
To know more further about your benefits, consult the full review on our family Pakistan health insurance plans page. Before you can even begin to take a plan it is crucial to make a sincere examination of your individual situation and exigencies.
Globalsurance is a one-stop insurance brokerage service provider for you when travelling to Pakistan. Expat health insurance policies we work with have a wide array of options to meet your individual needs, including benefits such as dental, maternity, inpatient, outpatient, specialist consultations and many others. Whether you are an employed expat or traveling tourist in Pakistan, expat health insurance can provide the coverage you need. Contact our professional advisers today to enjoy full insurance protection such as an Expat Health Insurance Plan for yourself and your family.
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