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August 6, 2025 – The Securities and Exchange Commission of Pakistan (SECP) has released a comprehensive report titled “Healthcare Ecosystem in Pakistan”, which provides an in-depth look at the country’s healthcare infrastructure, market dynamics, stakeholder roles, and the growing significance of health insurance.
The report places special emphasis on the role of health insurance in improving healthcare delivery, while also highlighting critical challenges and bottlenecks impeding the sector’s growth. Despite being a national priority and part of Pakistan’s constitutional and international commitments, healthcare spending remains heavily reliant on out-of-pocket expenses, with Pakistan recording one of the highest rates globally at 47%, as per the WHO Global Health Expenditure Database.
The report is part of SECP’s broader vision outlined in its five-year strategic plan “Journey to an Insured Pakistan,” launched in December 2023. It identifies actionable reform areas such as product innovation, inclusivity, pricing and underwriting, improved regulation, and value-based insurance models to drive private sector participation.
SECP Chairperson Akif Saeed underscored the importance of integrating primary healthcare with universal health coverage, through active involvement from both public and private sectors. Commissioner Insurance, Mujtaba A. Lodhi, added that meaningful and sustainable reform would require a unified, stakeholder-owned national strategy.
