To open your UPaisa Wallet dial *786# or download UPaisa app




Locate Us


UPaisa Healthy Family

UPaisa Healthy Family offers a financial safety net to customers and their families against expenses of hospitalization at any hospital across Pakistan*. UPaisa collaborates with Waada Pakistan to bring this financial security in times of need.

Second slide

*Terms and conditions apply.

UPaisa Healthy Family product plan features

The following plan types are offered:

Upfront Annual Charges(PKR) Monthly recursive charges (PKR) Daily Hospitalization Benefit Daily Intensive Care Unit (ICU) Benefit
1,999 167 Subscriber: 1,000
Spouse: 1,000
Each child: 500
Subscriber: 2,000
Spouse: 2,000
Each child: 1,000

  • In case customer subscribed to annual plan, full cover will start immediately for one (1) year
  • In case customer subscribed to monthly plan, cover will start immediately for one (1) month and will be renewed for proceeding months provided the applicable monthly premium is auto debited from customer UPaisa wallet every month.
  • How to subscribe to UPaisa Healthy Family?

    You will be contacted by our representative from 021-3319297 or you can call this number from Monday to Saturday between 8:00 AM to 10:00 PM Our representative will explain the product details and help you register for the annual or monthly plan as per your choice. The premium will be automatically deducted from your UPaisa wallet until your coverage under UPaisa Healthy Aap plan is not terminated due to any of the reasons stated herein below.

    How to unsubscribe from UPaisa Healthy Family?

    To unsubscribe from UPaisa Healthy Family, call 021-3319297 from Monday to Saturday between 8:00 AM to 10:00 PM) and our representative will assist you.

    1. Who can avail UPaisa Healthy Family?

    Customers of UPaisa who are Pakistani nationals and aged minimum eighteen (18) years and under sixty-five years (65), spouse aged minimum eighteen (18) and under sixty-five years (65) can avail UPaisa Healthy Family upon payment of applicable premium. Furthermore, each child must be single, economically dependent on parents and must be aged between one (1) and twenty-two (22) years. The registration under UPaisa Healthy Family will expire when an insured person or Spouse reaches the age of sixty-five (65) years or a child reaches the age of twenty-two (22) years. In case of availability of only the year of birth information, January 1 shall be considered the month and day of birth respectively.

    2. When will cover start and what will be the term of the cover?

    The coverage for accidents will commence immediately upon enrolment and in case of illness, coverage will start after fifteen (15) days of enrolment.

    For annual plan, term of the cover will be one (1) year starting from the enrolment date. Terms under monthly plans will be for one (1) month starting from the enrolment date. Coverage under annual and monthly plans will renew for future periods provided premium is collected from the customers on applicable due dates or within grace period allowed as long as the coverage is not terminated in accordance with relevant provisions stated herein

    3. How can I claim under UPaisa Healthy Family?

    In case of any insured loss, you or any of your family members can notify us through one of these methods:
    1- Call at Waada’s UPaisa Healthy Aap helpline 021-3319297
    2- Call UPaisa helpline 7777 (for Ufone customers only) or 051-111-282-265 (for Ufone and all other customers)
    3- Send an email at
    Please note that you or your family members must notify a claim within fifteen (15) days of occurrence of the insured loss. Failure to do so can affect claim approval.

    4. What documents will be required to claim under UPaisa Healthy Family?

    Following documents must be provided within fifteen (15) days of the date of occurrence of insured loss through the process explained below:
    a) Insured person’s CNIC (birth certificate in case of a child)
    b) Claimant/beneficiary CNIC
    c) Claimant Statement signed by the customer
    d) Heirship certificate to establish claimant title if no beneficiary was designated by the insured person
    f) Hospitalization record giving dates of admission and discharge, diagnosis made and the treatment given
    g) Attending physician’s statement
    h) Police FIR and medico-legal report in situations where hospitalization is as a result of accident, violence, attempted self-destruction
    All documents can be submitted in scanned form. However, the insurance company reserves the right to ask for original documents as and when required.

    5. Who will be paid the Claim?

    The claim will be payable to the insured subscriber. However, if state of health of the insured person is such that he or she cannot give a valid discharge of claim settlement to the insurance company, additional documents such as heirship certificate may be asked.

    6. Can I go to any hospital?

    Yes, you can visit any hospital for in-patient treatment including free Government and trust hospitals as long as the facility is: a) Licensed by the Government authorities to provide medical care in accordance with the laws of Pakistan
    b) Primarily engaged in providing diagnostic and laboratory tests, medical evaluations, medical treatment and services and surgical facilities
    c) Has 24 hours-a-day nursing service by registered graduate nurses under the permanent supervision of in-house Physicians in charge
    d) Maintains proper in-patient facilities with documented protocols and procedures
    e) Maintains a daily medical record for each of its patients, which is readily accessible to the insurance company.

    7. When will the claim be paid? How will the claim be paid?

    All valid claims will be paid within three (3) working days upon completion of all required documents. Claim will be paid by way of crossed cheque drawn in favour of the claimant, mobile money or any other medium as agreed between parties from time to time.

    8. In what circumstances will my claim not be paid?

    The claim will not be paid in the event of the following:
    a) Suicide, assault, murder, self-destruction or self-inflicted injury, while sane or insane, or any attempt there at; under the influence of contraband drugs/drinks
    b) Natural catastrophes, war, declared or undeclared, or any act of war or insurrection, or as a result of a strike, riot, civil commotion
    c) The commission or attempted commission of an act that would subject the person to civil or criminal penalties, or the contravention of any law
    d) Pregnancy, childbirth, abortion and any complication thereof
    e) Filing of a fake claim or submission of fake or forged documents or claimant’s inability to complete any of the claim requirements
    f) In the event of non-payment of premium and non-availability of cover in the month when the loss has occurred
    g) if the hospitalisation due to sickness occurs within fifteen (15) days of enrolment i.e. during waiting period
    h) Any pre-existing conditions

    9. Under what conditions my subscription under UPaisa Healthy Family will be terminated?

    a) Cessation of UPaisa Healthy Family by any reason whatsoever
    b) Insured person may cancel his insurance for a full refund of annual premium paid within Fourteen (14) days of enrolment date by notifying the group policy holder or the insurance company for cancellation, in written or by telephone and provided that no claim has been filed under the Policy. No premium refund shall be allowed in the event of any claims is filed under this policy irrespective whether the claim is paid or rejected by the insurance company.
    c) In case monthly instalment of annual premium is paid, individual customer can cancel the policy any time in which case future monthly instalments will not be payable however no refund for monthly instalments already paid will be allowed.
    d) Insured person’s failure to pay premium within the period of thirty (30) days of due date. Coverage will continue during the said grace period of thirty (30) days and any unpaid premiums will be collected from claim proceeds. The coverage will lapse if premium remains unpaid within grace period. In case the insured person opted for monthly instalments of annual premium, any unpaid monthly instalments of annual premium will be the first charge from claim proceeds payable under the policy.
    e) The insured person’s death or permanent total disablement.
    f) Upon payment of maximum claim allowed under the policy during applicable coverage period
    g) The insured person ceases to be a UPaisa customer
    h) The insured person’s decision not to continue with the product and communication of that to us using the customer service touch points
    i) Non-payment of applicable premium on due date or within applicable grace period
    j) Filing of fake claim or submission of forged documents
    k) The insured person attains maximum age allowed under this product

    10. Where can I contact in case of questions, enquiries or complaints?

    1-Call at UPaisa Healthy Family helpline 021-3319297
    2- Call UPaisa helpline 7777 (for Ufone customers only) or 051-111-282-265 (for Ufone and all other customers)
    3- Email at

    • Customers of UPaisa who are Pakistani nationals and aged between eighteen (18) and sixty-five (65) years can avail UPaisa Healthy Aap upon payment of applicable premium
    • Customers must pay insurance premium in advance to be eligible for UPaisa Healthy Aap Plan
    • The product is developed by Waada Pakistan (Private) Limited who are also providing distribution and administrative services under this arrangement
    • The insurance benefit offered under the products will be governed by the terms and conditions contained in the group policy issued by registered insurance companies in Pakistan. The insurance cover provided in the products is underwritten by Asia Insurance Company Limited who will be responsible for payment of valid claims under the insurance benefit after receipt of required claim documents.
    • UPaisa is only facilitating the offer and should not be construed as distributing these products and are not responsible for any benefits promised therein
    • All subscriptions and any benefits payable under the products will be in Pakistani rupees
    • Enrolment in this product means, that customer has authorized UPaisa to share his relevant details available with UPaisa to the parties providing these products
    © 2021 UFONE 4G. All rights reserved.