# Milvik Bima Pakistan

> Mobile\-first health and life microinsurance for underserved consumers in Pakistan

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | APAC |
| Headquarters | Lahore, Pakistan |
| Founded | 2010 |
| Stage | Established |
| Employees | 1000+ |
| Funding | Acquired |

## Overview

Milvik Bima Pakistan is a mobile-first insurance distribution platform that delivers life and health microinsurance products to underserved and unbanked consumers in Pakistan. It operates as the Pakistan unit of the global BIMA/Milvik group.

The company distributes microinsurance bundled with telemedicine through a mobile app, combining hospitalization cashback, teleconsultations, and discounted pharmacy and lab services. Product development runs partly on the OutSystems low-code platform, and distribution is extended through telecom bundling with Jazz and a co-developed product with job portal ROZEE.PK.

Bima Pakistan serves more than 7 million customers across 166 districts in Pakistan, part of a global BIMA/Milvik footprint of 24 million customers across six countries (Ghana, Tanzania, Pakistan, Bangladesh, Sri Lanka, and Cambodia). The Pakistan and Tanzania operations are cash-flow positive. The group has raised an estimated USD 186-233 million across investors including Allianz X, Kinnevik, Digicel Group, and Axiata Group, and was acquired by CapitalSG in October 2023.

## Products & services

### BIMA Sehat

An all-in-one health insurance plan combining hospitalization cashback with round-the-clock teleconsultation access, including specialist care, discounted medicine and lab tests, and appointment booking.

**Key features:**

- Hospitalization cashback
- 24/7 teledoctor consultations, including specialist access
- Discounted medicine and lab tests

*Target users:* Individual consumers in Pakistan

### BIMA Family Telemedicine

A family-oriented telemedicine plan providing specialist access, unlimited consultations, doorstep medicine delivery, and home sample collection for lab tests.

**Key features:**

- Unlimited specialist teleconsultations
- Doorstep medicine delivery
- Home sample collection with lab discounts

*Target users:* Families seeking bundled health management

### Personal Accident Insurance

Accidental death and disability coverage with hospitalization cashback for accident-related claims, with protection amounts ranging from PKR 112,500 to PKR 3,125,000.

**Key features:**

- Accidental death coverage
- Disability coverage
- Hospitalization cashback for accident claims

*Target users:* Individual consumers seeking low\-cost accident protection

### Bundle Insurance Products

Combined health and insurance coverage designed for affordability, including telecom-integrated packages distributed through a partnership with Jazz.

**Key features:**

- 24/7 teleconsultation access
- Lab and pharmacy discounts
- Home delivery of medicine

*Target users:* Telecom subscribers and price\-sensitive consumers

### BHealthy

A health insurance product co-developed with job portal ROZEE.PK and launched in April 2022, offered across four plan tiers (Single, Joint, Family, Family Plus).

**Key features:**

- Unlimited specialist teleconsultations
- Tailored medical insurance packages by plan tier
- Distribution through ROZEE\.PK's salaried\-professional user base

*Target users:* Salaried professionals sourced through ROZEE\.PK

## Category & focus

- Subcategories: Embedded Insurance, Microinsurance, Mobile\-First Distribution
- Insurance verticals: Life & Annuity, Health
- Target customers: Consumers

## Links

- Website: <https://milvikpakistan.com/>
- Directory profile: <https://insurtechlist.com/companies/milvik-bima-pakistan/>
- Linkedin: <https://pk.linkedin.com/company/milvik-bima-mobile-pakistan>

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*Last updated: 2026\-08\-12*