Askari Student Health Advantage

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With A.S.H.A enjoy peace of mind! A.S.H.A for Parents and school management! A.S.H.A. plans have your children covered while they focus on education even when you are on holidays! .A.S.H.A offers you an access to a network of qualified doctors, leading hospitals including CMHs and MH via four plan levels i-e Basic, Special, Value and Value Plus.

As one of the nation's leading providers of health insurance solutions for students, we work collaboratively with our clients to build customized programs, provide best-in-class service and deliver innovative health support. With comprehensive benefits and flexible payments options – A.S.H.A is the most popular health insurance choice for the students.


Benefits Basic Special Value Value Plus
Max. Annual limit for Hospitalization capped at 15% per confinement. Can be enhanced subject to prior approval by the company 100,000 150,000 200,000 300,000
Pre/ Post hospitalization consultations 15 days 15 days 15 days 15 days
Emergency/Accidents additional limit for first confinement only 35,000 50,000 60,000 75,000
Room Entitlement General ward Semi private Private Private Plus
Preexisting/congenital conditions coverage No No No No
Cancers coverage No No No No
Coverage outside school hours and during vacations Yes Yes Yes Yes
Panel facility countrywide Yes Yes Yes Yes
Discount for family insurance for students 5% 5% 5% 5%
Value added services Yes Yes Yes Yes
Annual Premium 1,800/student 2,500/student 3,000/student 3,600/student


  • Superior Customer Service
  • 100% lifelong renewal
  • Clear Policy Wordings and Conditions
  • Cashless access to 150+ hospitals across Pakistan
  • One of the Fastest Claims Settlements in the Industry
  • Credit Facility in more than 150+ Network Panel Hospitals
  • Re-imbursement in case of Treatment in non-panel hospital
  • Direct In-house Settlement
  • Emergency Helpline/Health Advisory
  • 24/7 Call Centre and Toll Free Facility


  • Hospitalization
  • Pre/ Post hospitalization consultations
  • Emergency/Accidents
  • Room Entitlement
  • Coverage outside school hours and during vacations
  • Panel facility countrywide
  • Discount for family insurance for students
  • Value added services


  • Ages: Preschool to F.Sc. only regular enrolled students. 2-18 years
  • Students of Universities @ 500/month for value and 600/month for value plus. Declaration forms required.
  • Students enrolled for executive programs and distance-learning are however not eligible
  • Parents’ consent required for students below 18.
  • Plan choice will be subject to acceptance by the company.
  • *In case OPD facility is required, additional premium will be required.