To become a member, you need an ATM or Credit Card in your name, or a JazzCash account with at least Rs 20. You can easily sign up for free by following three easy steps on our web app at Itteehaad (ittehaad.com)

Once you meet the terms and conditions, ITTEHAAD members can access cancer treatment at one of our panel hospitals. After a confirmed diagnosis, simply show your original CNIC and let the hospital know you’re an ITTEHAAD member. The hospital will send the treatment expenses to ITTEHAAD, which will be covered by the membership pool through monthly auto-deductions and paid directly to the hospital.

Currently ITTEHAAD is covering 5 cancers which includes Breast, Brain, Liver, Lungs and Cervix Utri refer to Terms & Conditions below. Depending on the program needs, ITTEHAAD may change the types of cancers covered, type of medical expenses, coverage limits etc.

• Shaukat khanum memorial cancer hospital & research centre, 7-A, Block R-3, Johar Town, Lahore (“SKMCH&RC, Lahore”);
• Shaukat khanum memorial cancer hospital & research centre, Plot No.5-B, Sector A-2 Office Enclave, Phase-V, Hayatabad, Peshawar (“SKMCH&RC, Peshawar”);
• Shaukat Khanum Diagnostic Centre, Jail Road, Lahore;
• Shaukat khanum diagnostic centre &clinics karachi, Karachi, 
• Shaukat khanum diagnostic centre &clinics, CC-19, Blue Area, Islamabad
• Ghurki Trust & Teaching Hospital Lahore
• Shalamar Hospital Lahore
• Shifa International Hospitals Limited (Islamabad)

The minimum monthly charge for eligibility is Rs 20. Members can contribute more through other contribution levels listed below, however, this does not increase the amount of treatment cover which is 2 million Rs. for individuals aged(18 – 45) and 1 million Rs. for individuals aged (45 – 55)
• Bronze upto Rs20
• Silver up to Rs 50
• Gold up to Rs 100
• Platinum upto Rs 1000

ITTEHAAD is a Mutual-Aid platform based on brotherhood and equity. Members contribute at their own will and financial capacity however the outcome is the same for all as treatment expenses are the same irrespective of financial status. This reduces inequalities between different socio-economic classes and enables quality healthcare accessible for all.

When the monthly expense required for a member diagnosed with cancer is received from a partner hospital, ITTEHAAD will deduct money from member accounts on the 1st of that month. The maximum amount deducted will be the level that a member has subscribed to i.e. PKR 20 for a bronze member. PKR 50 for a silver member etc. Depending on the total membership pool the amount deducted can be less than the subscription level but would never exceed it.

This is highly unlikely however it may still happen in which case we will distribute the collected funds amongst all patients proportional to the funds required for each. Also, we’ve taken multiple steps to avoid/manage this situation;

• Contribution tiers are based on very conservative estimates at just 30% of the actual patient-to-member ratio.
• We’ve registered ITTEHAAD welfare foundation (as a section 42 company) to receive donations in such situations.
• We’ve commitments from corporates and multinationals regarding CSR funds contributions
• A few hospitals/patient care partners have also committed to give discounts based on patient eligibility.

We’re confident that all these steps will result in raising enough funds for each patient on time. 

•  ITTEHAAD members don’t need to submit any claims or paperwork. Just make sure you meet the terms and conditions provided below and show your original CNIC at the agreed panel hospital for treatment.

• All charges post-admission is covered till the day patient is discharged including;

  1. Diagnostics Tests from the partner hospital incase cancer is confirmed
  2. Medicine
  3. Ward Charges (Lowest category at the hospital)
  4. Doctors’ fees
  5. Chemotherapy/Radiology
  6. Operation / Surgery expenses

Note :You have to follow the policies of your preferred partner hospital

Treatment-related expenses that are NOT covered

• Diagnostic tests before admission from any other hospital/labs
• Post hospitalization medicines, tests, treatment, etc.
• Any charges in case of reoccurrence of the same cancer
• Getting a second type of cancer after receiving treatment covered from ITTEHAAD for the first type

Room charges

No, ITTEHAAD is not an insurance company. It’s a Mutual Aid program, and the key differences are:

1. No joining or subscription fee.
2. Contributions are only taken when needed by a member with cancer.
3. Monthly contributions vary based on fund requirements but stay within your committed contribution plan.
4. You can contribute more if you choose, but the coverage remains the same.
5. No funds pool created/invested = no interest income

ITTEHAAD is not a charity organization. It is registered under SECP as a private limited company. 

 Yes, ITTEHAAD charges a 5% management fee on the funds collected to run our operations. When no contribution is required, ITTEHAAD doesn’t charge this fee.

To stay active, members need to keep their committed contribution amount in their account at the start of every month from the 1st to the 3rd. If no contribution is required, the bank will deduct 1 Rs from your account to validate your membership and then deposit it back. If a member doesn’t have the required amount in the account or mobile wallet, they will be considered inactive and won’t be eligible for treatment coverage for 3 months.

Your eligibility for the treatment coverage will be suspended for 3 months. 

Patients with a history of cancer will not be eligible to get the benefit of treatment but they can participate as a contributor.

No, the ITTEHAAD Cancer treatment cover is for individual members and can be used once in a lifetime. This is designed to encourage each family members to apply individually, promoting digital & financial inclusion and empowerment.

You can easily cancel your ITTEHAAD membership by clicking the ‘Unsubscribe’ tab, which will automatically appear on the main screen of our web app below your plan.