School Plans
CHOOSE YOUR HEALTH PLAN
HealthPay partners with Pakistan's leading health networks to give you structured access to care. Select a plan that matches your health goals and budget—from digital wellness to comprehensive coverage.
Choose Your Fitwell HUB School Plans
Select the plan that aligns with your health goals. Start with essential digital tools or upgrade to unlimited consultations, AI-powered insights, and financial protection benefits.
InsureWell School Plans
| Feature (Local Patient) | Bronze | Silver | Gold | Diamond | Platinum |
|---|---|---|---|---|---|
| Access to Healthcare Resources | |||||
| Electronic Health Record (EHR) | |||||
| Vitals Tracking and Monitoring | |||||
| Prescription and Lab Test Management | |||||
| Patient Medical Profiling | |||||
| Overall Health Dashboard | |||||
| Trends of Health Condition | |||||
| Digital H.E.A.L.T.H Card | |||||
| Fitwell Opinion | |||||
| SmartTutor (AI Education Assistant) | |||||
| Unlimited GP Consultation | |||||
| GP Consultations - Phone | |||||
| GP Consultations - Video | |||||
| Specialist Consultation | |||||
| Specialist | Rs. 500 | Rs. 500 | Rs. 500 | Rs. 500 | Rs. 500 |
| Consultant | Subsidized | Subsidized | Subsidized | Subsidized | Subsidized |
| DENTAL Services | |||||
| First time Free Check-Up | |||||
| Exclusive Discounts for Members | |||||
| Preventive Care & Oral Health Education | |||||
| Access to Premium Dental Clinics | |||||
| Lifetime Relationship with a Dental Practice | |||||
| Optometric Services | |||||
| First time Free Eye Examination | |||||
| Exclusive Discounts for Members | |||||
| Preventive Care & Vision Screening | |||||
| Access to Premium Optometry Clinics | |||||
| Lifetime Relationship with Optometry Practice | |||||
| Discounted Services | |||||
| Pharmacy Discounts | |||||
| Lab Discounts | |||||
| Hospital Discounts | |||||
| Specialist Discounts | |||||
| Sehat Sahulat Program (Where available and applicable) | |||||
| Secondary Care: Initial: 60k | Extra: 60k | |||||
| Priority Treatment: Initial: 300k | Extra: 300k | |||||
| Free pre admission consultation | |||||
| Free post discharge consultation | |||||
| Family Cash Benefits (Spouse and 4 kids) | |||||
| Daily Hospital Cash Benefit (Adult) | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 |
| Daily Hospital Cash Benefit (Child) | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 |
| Daily ICU Benefit (Adult) | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 |
| Daily ICU Benefit (Child) | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 |
| Hospitalization reimbursement (Adult) | 60,000 | 60,000 | 60,000 | 60,000 | 60,000 |
| Hospitalization reimbursement (Child) | 30,000 | 30,000 | 30,000 | 30,000 | 30,000 |
| C-Section | 30,000 | 30,000 | 30,000 | 30,000 | 30,000 |
| School Fee Continuation | |||||
| Kitchen Expense Coverage (Up to 3 Months) | 5,000 | 15,000 | 30,000 | 40,000 | 50,000 |
| Income Continuation Coverage (Up to 6 months) | 5,000 | 15,000 | 30,000 | 40,000 | 50,000 |
| Education Continuation Coverage (Up to 12 months) | 5,000 | 15,000 | 30,000 | 40,000 | 50,000 |
| School Fee Continuation (Extended) | |||||
| Kitchen Expense Coverage (Up to 3 Months) | 5,000 | 15,000 | 30,000 | 40,000 | 50,000 |
| Income Continuation Coverage (Up to 6 months) | 5,000 | 15,000 | 30,000 | 40,000 | 50,000 |
| Education Continuation Coverage (Up to 12 months) | 5,000 | 15,000 | 30,000 | 40,000 | 50,000 |
Why Choose the Fitwell Basic Cash Plans?
Below are the Frequently Asked Questions (FAQs)
The Patient Portal is a secure, user-friendly online platform designed to give you 24/7 access to your personal health information. Through the portal, you can view and manage a wide array of health-related details, including your medical history, test results, medication lists, immunization records, and upcoming appointments. The portal also allows you to directly communicate with your healthcare providers, request prescription refills, and access educational resources tailored to your specific health conditions. By centralizing all your health information in one place, the Patient Portal empowers you to take an active role in managing your health.
The HUB & Spoke model is an innovative healthcare delivery system that connects you with a broad network of medical services. In this model, the "Hub" is a central facility catering to all your health care needs, while the "Spokes" are smaller satellite clinics that provide primary and preventive care closer to your location. This system ensures that you have continuous access to medical care, whether you need routine check-ups, specialist consultations, or advanced treatments. If your primary care provider at a clinic identifies a need for more specialized care, they can easily refer you to the Hub, where you can receive coordinated and streamlined care without the hassle of navigating multiple healthcare systems.
An electronic health record (EHR) is a digital compilation of your complete medical history, maintained securely by FitwellHub. It includes a wide range of information, such as past and current medical conditions, treatment plans, medications, immunization records, allergies, lab test results, radiology images, and even lifestyle details. EHRs are accessible to you and authorized healthcare providers across the FitwellHub network, ensuring that every professional involved in your care has the most up-to-date and accurate information. This leads to better-informed decisions, reduced medical errors, and a more personalized approach to your healthcare.
Vitals Tracking is a feature that enables the continuous monitoring and recording of your essential health metrics, such as blood pressure, heart rate, temperature, respiratory rate, and oxygen saturation. This feature can be integrated with home health devices or manually updated through the Patient Portal. Regular tracking of these vitals allows you and your healthcare provider to detect any abnormalities early on, helping in the timely management of potential health issues. For patients with chronic conditions like hypertension or diabetes, consistent monitoring of vitals is crucial for effective disease management and prevention of complications.
The Overall Health Dashboard is an interactive, visual summary of your current health status. It aggregates data from various sources, including your EHR, vitals tracking, and recent lab results, to provide a holistic view of your health. The dashboard is designed to be intuitive, allowing you to quickly understand your health trends, identify areas that need attention, and track the effectiveness of ongoing treatments. This feature supports better health management by giving you and your healthcare providers a clear, comprehensive overview of your health at any given time.
The Trends of Health Condition feature analyzes your health data over time to identify patterns and trends in your well-being. For example, if your blood pressure has been gradually increasing over the past few months, this trend will be highlighted, prompting you or your healthcare provider to take preventive action. Similarly, positive trends, such as improved cholesterol levels following dietary changes, can be recognized and reinforced. This feature is especially useful for managing chronic conditions, where understanding long-term trends is key to effective treatment and prevention of complications.
With the Order Lab Test service, you can easily request lab tests recommended by your healthcare provider or based on your health needs. This service covers a wide range of tests, from routine blood work to specialized diagnostics. You can choose to have a technician collect your samples at home, or you can visit a partner lab at your convenience. Once the tests are completed, the results are securely uploaded to your Patient Portal, where you and your healthcare provider can review them and discuss any necessary next steps.
The Booking Service is an integrated feature that allows you to schedule appointments with healthcare providers, whether it's for a general check-up, specialist consultation, or diagnostic test. You can browse available time slots, select a convenient date, and confirm your appointment all through the FitwellHub platform. This service ensures that you have timely access to the medical care you need, without the frustration of long wait times or scheduling conflicts.
This feature provides real-time updates on the availability of healthcare resources within the FitwellHub network, including doctors, specialists, diagnostic facilities, and treatment options. Whether you need to find an available doctor for an urgent consultation or check the nearest lab for a specific test, this feature helps you quickly locate the resources you need. It ensures that you receive prompt care by guiding you to the most accessible and available healthcare services.
These detailed explanations provide a comprehensive understanding of the various features and services offered by FitwellHub, helping members make the most of their healthcare experience.
The Fitwell Assistant is your personal health companion, designed to help you manage various aspects of your health care seamlessly. This AI-assisted person can assist with scheduling appointments, reminding you to take your medications, tracking your symptoms, and providing you with health tips based on your profile. The Fitwell Assistant can also answer general health questions, guide you through the Patient Portal, and help you navigate the various services offered by FitwellHub. Its goal is to make managing your health as convenient and efficient as possible, ensuring you stay on track with your healthcare goals.
Healthy Meal Recommendation & Delivery is a service that offers customized meal plans based on your health profile, dietary preferences, and nutritional needs. For example, if you have high cholesterol, the service might recommend meals that are low in saturated fats and rich in omega-3 fatty acids. Once you select a meal plan, you can have these nutritious meals prepared and delivered to your doorstep, eliminating the hassle of meal planning and cooking. This service is designed to support your overall health by ensuring that you have easy access to balanced, delicious meals that align with your dietary goals.
This service provides personalized recommendations for healthy ingredients that align with your dietary goals and health needs. For instance, if you are managing diabetes, the service might suggest ingredients that are low in glycemic index and rich in fiber. You can order these ingredients directly through the FitwellHub platform, and they will be delivered to your home. This makes it easier for you to prepare healthy meals at home, ensuring that your diet supports your overall health and well-being.
Based on your health profile, the Supplement Recommendation & Delivery service suggests supplements that can help you meet your nutritional needs or support specific health goals. For example, if you are at risk for osteoporosis, the service might recommend calcium and vitamin D supplements. Once you choose the supplements, they can be delivered directly to your location, ensuring that you have convenient access to the nutrients your body needs to stay healthy.
Important Information (Cash Benefit)
- General Sickness: Coverage starts 30 days after enrollment.
- C-Section (Family Plan): Coverage starts after 6 months of enrollment.
- Accidental Hospitalization: Covered immediately.
To process your claim, the following documents are required:
The claimant's statement is signed by the insured person.
- Hospitalization records with admission and discharge dates, diagnosis, and treatment details
- Physician’s statement or hospital bills.
- Copy of the insured person’s CNIC.
- Any additional documents requested by Fitwell HUB or the underwriter.
The following are not covered under the plans:
The claimant's statement is signed by the insured person.
- Intentional self-inflicted injuries, suicide attempts, or murder.
- Pregnancy and complications during the first 9 months from the enrollment date.
- Elective treatments or failure to follow medical advice.
- Pre-existing conditions.
- Drug or alcohol abuse and poisoning.
All subscriptions and benefits are payable in Pakistani Rupees.
Subscriptions must be paid in advance for full coverage.
Signing the application form or premium payment is considered a legally binding agreement.
Subscribers authorize Fitwell HUB to share necessary details with service providers.
Claims will be settled within 48-72 hours after receiving all required documents.
Benefits are governed by terms outlined in the group policy issued by the underwriter.
Fitwell HUB reserves the right to amend or terminate the plans at its discretion with prior notification.
Notifications regarding subscribed services and renewals may be sent anytime within 24 hours.
Claims must be reported within 90 days of occurrence.
Fair Use Policy for Fitwell HUB's Unlimited GP Consultation Subscription
To ensure that our telemedicine services are accessible to all subscribers and maintain a high level of care, Fitwell HUB has established a Fair Use Policy for our unlimited GP consultation plans. This policy is designed to prevent abuse or overuse of the service while ensuring that every subscriber receives the healthcare support they need.
Fair Use Guidelines
Reasonable Usage
Our unlimited GP consultation service is intended for individual, personal use. Subscribers may access the service as needed for routine, follow-up, and urgent medical consultations. However, excessive usage that exceeds normal patterns of healthcare consultation may be flagged for review.
Medical Necessity
Fitwell HUB reserves the right to review cases where multiple consultations for the same medical condition are sought without clear medical necessity. This is to ensure the service is used in a responsible manner and to maintain high-quality care for all.
Misuse Consequences
In cases where misuse is identified, Fitwell HUB reserves the right to limit the number of consultations or temporarily suspend the unlimited GP service for the subscriber. Repeated violations may result in termination of the subscription plan.
Single Chief Complaint Per Session
Each GP consultation session is meant to address a single primary medical complaint or issue. Subscribers with multiple or unrelated health concerns should schedule separate sessions for each issue to ensure thorough and focused medical attention.
Consultation Limits
While consultations are unlimited, Fitwell HUB may monitor excessive usage patterns. As a guideline, consultations exceeding 8 sessions per month per subscriber will be flagged for review to assess if the service is being misused.
Family and Group Consultations
The unlimited GP consultation is for the individual subscriber's use only. Sharing login credentials or booking consultations for others (friends, family, etc.) is prohibited under this plan.
Monitoring & Communication
Fitwell HUB will monitor service usage patterns to ensure compliance with this Fair Use Policy. If a subscriber is approaching the limits of reasonable use, Fitwell HUB will notify them and discuss options, such as offering alternative care solutions.
What They Say About Us
HealthPay has completely transformed how we handle employee medical benefits. The dashboard is intuitive, and our team loves the instant access to funds without paperwork.
Finally, a transparent way to disburse Zakat. We can now track every rupee spent on patient care, ensuring total compliance and building stronger donor trust.
Managing my parents' medication costs from abroad was difficult. HealthPay gave me control and peace of mind, knowing they can access quality care instantly.
As a clinic owner, the settlement speed via RAAST is impressive. No more waiting for insurance claims; payments are secure, fast, and always reliable.
A game-changer for small businesses like ours. We replaced manual cash reimbursements with these cards, saving us admin time while giving staff better security.