Zero Healthcare

Eligible patients under the Zero Healthcare panel may access IPD services at LuQman International Hospital subject to panel eligibility and terms. Confirm membership and any required approvals with our insurance desk before admission. Exact benefit limits and exclusions follow your panel and plan rules.

• IPD coverage only, as listed on the hospital panel sheet.
• Requires valid CNIC and proof of employment or company affiliation under the enrolled panel.
• Coverage is subject to eligibility, plan limits, and panel terms.
• For IPD admission, obtain approval or pre-authorisation where required.

How to use this panel at LIH

1. 1Bring original CNIC and proof of employment or company affiliation.
2. 2Verify Zero Healthcare panel status at the LIH insurance desk before treatment.
3. 3Obtain pre-authorisation for IPD when the panel requires it.
4. 4Keep complete billing and clinical summaries at discharge.

• Original CNIC of the patient
• Proof of employment or company affiliation under the enrolled panel
• Zero Healthcare membership or approval reference (if issued)
• Pre-authorisation letter (if required for IPD)