CM Punjab Sehat Card: Common Mistakes While Applying

CM Punjab Sehat Card: Common Mistakes While Applying

Punjab Sehat Card is a health insurance program that helps families get free medical treatment up to Rs. 10 lakh. Many people apply for this card, but make small mistakes that cause their applications to get rejected or delayed. This article will help you understand what mistakes people usually make and how you can avoid them. We want to make sure your application process goes smoothly and you get your card without any problems.

پنجاب صحت کارڈ ایک ہیلتھ انشورنس پروگرام ہے جو خاندانوں کو روپے تک کا مفت طبی علاج کروانے میں مدد کرتا ہے۔ 10 لاکھ بہت سے لوگ اس کارڈ کے لیے درخواست دیتے ہیں، لیکن چھوٹی چھوٹی غلطیاں کرتے ہیں جس کی وجہ سے ان کی درخواستیں مسترد یا تاخیر کا شکار ہو جاتی ہیں۔ یہ مضمون آپ کو یہ سمجھنے میں مدد کرے گا کہ لوگ عام طور پر کیا غلطیاں کرتے ہیں اور آپ ان سے کیسے بچ سکتے ہیں۔ ہم اس بات کو یقینی بنانا چاہتے ہیں کہ آپ کی درخواست کا عمل آسانی سے چلے اور آپ کو بغیر کسی پریشانی کے اپنا کارڈ مل جائے۔

More About: Apply for Punjab Sehat Card Online 

 

Documentation Mistakes

When you apply for a Sehat Card, documents are really important. Many applications get rejected just because of document problems.

 mistakes do people make

•  Old or expired CNIC copies
• Missing both sides of the CNIC
• Blurry or dark photos
•  Wrong address proof documents
•  Electricity bills older than 3 months
•  Missing family registration papers

Avoid these mistakes

•  Use a valid CNIC with clear photos of both sides
•  Submit a recent utility bill (last 3 months)
•  Keep the family registration certificate ready
•  Get B-Forms for kids under 18
•  Use passport-size photos with a white background
•  Double-check all images are clear before uploading

Eligibility Confusion

A lot of people apply without checking if they actually qualify for the card. This wastes time for everyone.

Common misunderstandings:

• Thinking everyone can get this card
•  Government employees are applying despite having medical facilities
•  Not understanding the income limit properly
•  Confusion about joint vs nuclear families
•  Wrong assumptions about family member limits

Who can actually apply?

•  Monthly family income less than Rs. 50,000
•  BISP beneficiaries (automatically eligible)
•  Daily wage workers and laborers
•  Small farmers
•  Retired government servants without medical coverage
•  Maximum 8 family members per card (you + spouse + 6 dependents)
•  Unmarried daughters can be included; married daughters cannot

Application Form Errors

Filling the form seems easy, but people make lots of typing mistakes that create problems later.

Mistakes people usually make:

•  Spelling errors in names
•  Wrong CNIC number typed
•  Incorrect mobile numbers
•  Incomplete addresses (missing house number, mohalla, tehsil)
•  Forgetting to add all family members
•  Wrong relationships selected (son instead of daughter)

How to fill the form correctly:

•  Copy your name exactly from the CNIC card
•  Type the CNIC number slowly and verify twice
•  Use your active daily mobile number
•  Write the complete address with all details
•  Add all eligible family members
•  Double-check the entire form before submitting

Technical Problems

Online applications can have technical issues that frustrate people.

What goes wrong?

•  Slow internet is causing page freezes
•  Old web browsers are not working properly
•  Using fake websites instead of official ones
•  Forgetting to save the reference number
•  Not taking confirmation screenshots

Tips to avoid technical issues:

•  Use a stable WiFi connection
•  Apply from a computer/laptop if possible
•  Use the official website: sehatcard.punjab.gov.pk
•  Use updated browsers (Chrome or Firefox)
•  Take a screenshot of the confirmation page immediately
•  Write down the reference number safely

Post-Application Mistakes

After applying, many people just wait and don’t take any action, which causes problems.

What people forget to do:

•  Not checking application status regularly
•  Missing important SMS messages
•  Ignoring calls from unknown numbers
•  Delaying card collection
•  Not activating the card properly

What you should do:

•  Check the status on the website every week
•  Read all SMS carefully
•  Answer unknown calls (might be Sehat Card office)
•  Collect the card immediately when ready
•  Take original CNICs when collecting
•  Get the card activated and tested before leaving

Hospital & Treatment Errors

Also Read: CM Punjab Sehat Card Lahore Hospital List 

Having the card is one thing; using it correctly is another important thing.

Mistakes at hospitals:

•  Going to non-empaneled hospitals
•  Not carrying a card during emergencies
•  Not knowing what treatments are covered
•  Thinking OPD visits are covered
•  Not saving the helpline number

How to use your card smartly:

•  Check the empaneled hospital list before visiting
•  Always carry the Sehat Card with CNIC
•  Remember: only indoor treatment covered (surgeries, dialysis, cancer treatment)
•  OPD checkups and dental work are not covered
•  Save helpline: 0800-09009
•  Coverage limit: Rs. 10 lakh per family per year

Fraud & Scams

Some people try to cheat others by pretending to help with Sehat Card applications.

Warning signs of fraud:

•  Anyone asking for money for the application (it’s FREE!)
•  Fake agents promising “guaranteed approval”
•  Asking for OTP code or PIN over the phone
•  Suspicious SMS with urgent links
•  Fake websites similar to the official site

How to stay safe:

•  Use only the official website
•  Never pay money to anyone
•  Don’t share OTP or personal details on the phone
•  Don’t click suspicious links
•  Call the official helpline 0800-09009 to verify anything
•  If it sounds too good to be true, it’s probably a scam

Conclusion

Getting the Punjab Sehat Card isn’t hard; you just need to be careful. Make sure your documents are correct, fill out the forms properly, and apply only through official sources. Don’t ever pay anyone for it. Keep checking your status and use the card only at approved hospitals. Stay alert for scams, and if you need any help, just call 0800-09009.

FAQs

Is there any fee for applying?

No, there is absolutely no fee. The application is completely free. If anyone asks you for money, they’re trying to scam you.

How long does it take to get the card?

Usually, it takes 15 to 30 days for your application to be processed and the card to be ready for collection.

 Does this card cover regular doctor visits?

No, it only covers indoor treatment when you’re admitted to the hospital. OPD visits and regular checkups are not included.

What is the income limit to qualify?

Your monthly family income should be less than Rs. 50,000 to be eligible for this card.

What should I do if I lose my card?

Call the helpline immediately at 0800-09009 and get your card blocked to prevent misuse. Then you can apply for a replacement card.