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When Samina broke her arm, she had no possible means with which to pay for the operation. Her husband, who suffers from a spinal condition, no longer works and is indebted to the tune of Rs. 90,000 in accrued rent. He used to be on a daily wage but work is now an impossibility for him. Samina and her family live in a single room in a relative’s house. There is no income and it is only through zakat and the charity of neighbours and friends has enabled them to keep body and soul together.

A doctor at the PIMS Orthopedics department requested Heartfile to provide financial assistance for Samina’s operation for an amount of Rs. 16,500. This request was approved and after a successful operation, Samina has returned to her life in Kahuta.


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Heartfile Health Financing (HHF) is an access to treatment program for non-communicable diseases. It provides financial access for high-cost treatment for those who are unable to pay, are likely to spend catastrophically or forgo treatment. HHF's mobile phone-driven process is fully transparent and offers help to patients with dignity. HHF currently operates in selected hospitals in Pakistan and is being prepared for scale-up.  


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