A State of Art Insurance Marketplace

Coverage for Parents & Families
Coverage for Pre-existing conditions
Discount on FMD Healthcare Services
Unlimited Video Consultations
Coverage in Renowned Hospitals of Pakistan
Coverage for Parents & Families

Welcome to Insure Karo,

An unprecedented Marketplace for Overseas Pakistanis. Whether you are looking for coverage for your parents or your spouse and children, we have a product to help you keep your family safe and secure.

Our state-of-the-art product offers coverage that includes Hospitalization Enhancement, Pre-Existing Medical Coverage, Hepatitis B & C Coverage, Specialist Investigation for Outpatients and much more.

What is Health Insurance?

  • A type of insurance that pays for medical expenses.
  • Protects you financially for unexpected health costs.
  • Covers things like hospital stays, doctor visits, and medicine

Benefits of Health Insurance

  • Pays for medical bills.
  • Protects finances.
  • Gives access to better medical care.

Why choose Insure Karo

  • One of its kind Health Care product.
  • Covers parents upto 90 Years of age.
  • Pre-existing coverage from day one.

What is Health Insurance?

  • A type of insurance that pays for medical expenses.
  • Protects you financially for unexpected health costs.
  • Covers things like hospital stays, doctor visits, and medicine

Benefits of Health Insurance

  • Pays for medical bills.
  • Protects finances.
  • Gives access to better medical care.

Why choose Insure Karo

  • One of its kind Health Care product.
  • Covers parents upto 90 Years of age.
  • Pre-existing coverage from day one.

Please select your preferred plan:

For Your Parents

Plan A

Rs. 258,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 1,000,000
  • Room And Board Limits Per Day
    Rs. 36,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 500,000
  • Pre-existing Conditions Coverage*
    Rs. 250,000*
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs. 150,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 1,000,000
  • Doctor at Home Service
    6 Visits

Plan B

Rs. 225,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 750,000
  • Room And Board Limits Per Day
    Rs. 15,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 375,000
  • Pre-existing Conditions Coverage*
    Rs. 187,500
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs. 75,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 750,000
  • Doctor at Home Service
    6 Visits

Plan C

Rs. 192,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 500,000
  • Room And Board Limits Per Day
    Rs. 8,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 250,000
  • Pre-existing Conditions Coverage*
    Rs. 125,000*
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs. 75,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 500,000
  • Doctor at Home Service
    6 Visits

Plan A

Rs. 258,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 1,000,000
  • Room And Board Limits Per Day
    Rs. 36,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 500,000
  • Pre-existing Conditions Coverage*
    Rs. 250,000*
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs. 150,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 1,000,000
  • Doctor at Home Service
    6 Visits

Plan B

Rs. 225,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 750,000
  • Room And Board Limits Per Day
    Rs. 15,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 375,000
  • Pre-existing Conditions Coverage*
    Rs. 187,500
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs. 75,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 750,000
  • Doctor at Home Service
    6 Visits

Plan C

Rs. 192,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 500,000
  • Room And Board Limits Per Day
    Rs. 8,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 250,000
  • Pre-existing Conditions Coverage*
    Rs. 125,000*
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs. 75,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 500,000
  • Doctor at Home Service
    6 Visits

For Your Spouse And Children

Plan A

Rs. 258,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 2,000,000
  • Room And Board Limits Per Day
    Rs. 36,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 1,000,000
  • Pre-existing Conditions Coverage*
    Rs. 1,000,000*
  • Treatment for Hepatitis B & C (Interferon therapy/ Oral Treatment)*
    Rs. 1,000,000*
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs 150,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 2,000,000
  • Doctor at Home Service
    6 Visits

Plan B

Rs. 217,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 1,000,000
  • Room And Board Limits Per Day
    Rs. 15,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 500,000
  • Pre-existing Conditions Coverage*
    Rs. 500,000*
  • Treatment for Hepatitis B & C (Interferon therapy/ Oral Treatment)*
    Rs. 500,000*
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs. 100,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 1,000,000
  • Doctor at Home Service
    6 Visits

Plan C

Rs. 180,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 500,000
  • Room And Board Limits Per Day
    Rs. 8,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 250,000
  • Pre-existing Conditions Coverage*
    Rs. 250,000*
  • Treatment for Hepatitis B & C (Interferon therapy/ Oral Treatment)*
    Rs. 250,000*
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs. 75,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 500,000
  • Doctor at Home Service
    6 Visits

Plan A

Rs. 258,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 2,000,000
  • Room And Board Limits Per Day
    Rs. 36,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 1,000,000
  • Pre-existing Conditions Coverage*
    Rs. 1,000,000*
  • Treatment for Hepatitis B & C (Interferon therapy/ Oral Treatment)*
    Rs. 1,000,000*
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs 150,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 2,000,000
  • Doctor at Home Service
    6 Visits

Plan B

Rs. 217,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 1,000,000
  • Room And Board Limits Per Day
    Rs. 15,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 500,000
  • Pre-existing Conditions Coverage*
    Rs. 500,000*
  • Treatment for Hepatitis B & C (Interferon therapy/ Oral Treatment)*
    Rs. 500,000*
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs. 100,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 1,000,000
  • Doctor at Home Service
    6 Visits

Plan C

Rs. 180,000.00

  • Hospitalization Limit / Family / Annum (PKR)
    Rs. 500,000
  • Room And Board Limits Per Day
    Rs. 8,000
  • Enhancement of Hospitalization Limit Due to Accident
    Rs. 250,000
  • Pre-existing Conditions Coverage*
    Rs. 250,000*
  • Treatment for Hepatitis B & C (Interferon therapy/ Oral Treatment)*
    Rs. 250,000*
  • Pre - Hospitalization (within 30 Days)
    Covered
  • Post - Hospitalization (within 30 Days)
    Covered
  • Emergency Medical Treatment (Accidental Only)
    Covered
  • Medical Evacuation
    Rs. 75,000
  • Territorial Limits
    Worldwide
  • Specialist Investigation Outpatient (MRI, CT Scan, Thallium Scan, Endoscopy, Colonoscopy & Biopsy etc.)
    Covered
  • Day Care Surgeries
    Covered
  • Treatment of Fracture & Lacerated Wound
    Covered
  • Local Road Ambulance
    Covered
  • Video Doctor Consultation
    Unlimited
  • Medicines
    12% Discount & Free of Cost Delivery for Karachi Only
  • Lab Tests
    15% Discount & Free of Cost Sample Collection for Karachi, Lahore & Islamabad
  • Death Due to any cause (Policy Holder Only)
    Rs. 500,000
  • Doctor at Home Service
    6 Visits
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What Does Our Health Insurance Cover ?

  • Cashless Hospitalizations

    Our health insurance covers patients who have pre-existing conditions

  • Pre existing coverage

    We provide the benefit of cashless hospitalizations at over 200+ hospitals all over pakistan using our health card

  • Pre & Post Hospitalization Coverage

    Our policy holders receive coverage of 30 days of pre and post hospitalization coverage

  • Old age coverage for parents

    We provide coverage for beneficiaries upto 90 years of age

  • Hospitalization Expenses

    The policyholder is covered with In patient treatment which include medicines and tests prescribed by the hospital.

  • Services

    Other services include Free video doctor consultation as well as discounts on lab tests and medicines.

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Testimonials

I live in UK and purchased insurance for my parents living in Pakistan. I must say it has been a relief as I dont have to worry about their health anymore and Find My Doctor really has them covered for health emergencies.

Jamshed Usama

I reside in Dubai and purchased this plan for my parents who are back home in Pakistan through FMD, I am really happy about the fact that they are offering health insurance for the elders who are above the age of 65 which is something that the others don't do and the regular burden of medical expenses have been made hassle free as i don't need to worry about the medical expenses as their coverage is amazing.

Amna Ali

I came to USA for a project work and insured my wife and children living in Pakistan through FMD, the best part is that their plans are affordable & also you can get coverage for pre-existing conditions. Recommended for people living abroad can easily purchase this insurance for their families in Pakistan

Zeeshan Khan