Khyber Pakhtunkhwa currently runs six active government schemes across health, education, and youth employment. Every scheme below links to its own full guide with eligibility, application steps, and what to do if something goes wrong. The largest of these is Sehat Card Plus, which gives every KP family up to Rs. 1 million in free hospital treatment per year. This page is the single navigator for all of them — pick your category and go straight to the guide you need.
What’s Available in KP Right Now
KP’s schemes fall into three categories: Health, Education, and Youth Employment/Business Loans. Sehat Card Plus is currently the only KP scheme with a genuinely separate sub-angle worth its own child page — its 2026 health policy expansion into OPD and telemedicine services. Youth employment is covered by three distinct Bank of Khyber products, each with its own eligibility and loan structure, so it’s worth checking which one actually fits your situation rather than assuming they’re interchangeable.
Health
| Scheme | What It Does |
|---|---|
| Sehat Card Plus — Universal Healthcare up to Rs. 1M/Family | Free inpatient treatment for every KP family at public and private panel hospitals, sourced from sehatsahulat.com.pk |
| ↳ Health Policy 2026 — OPD, School Health, Telemedicine Expansion | Covers the newer outpatient, school-health, and telemedicine components added under KP’s 2026 health policy |
If you only need details on the newer OPD and telemedicine services rather than the full Sehat Card Plus guide, the Health Policy 2026 page covers that expansion specifically.
Education
| Scheme | What It Does |
|---|---|
| Insaf Female Education Card — 55,000 Female Students | Free higher education for female students in KP, including full support for orphan MDCAT qualifiers, sourced from KP Higher Education Department |
Youth Employment & Business Loans
| Scheme | What It Does |
|---|---|
| Insaf Rozgar Scheme — Business Loans for Newly Merged Districts | 0% down-payment business financing for residents of KP’s Newly Merged Districts, issued through Bank of Khyber |
| Khud Kafalat Scheme — Interest-Free Micro-Business Loans | Interest-free financing for small and micro business owners across KP, issued through Bank of Khyber |
| Ehsaas Naujawan Programme — Youth Employment Loans | Youth-focused employment and business loan support, issued through Bank of Khyber |
All three of these are separate Bank of Khyber products with different eligibility rules, not interchangeable versions of the same loan. Compare the Insaf Rozgar Scheme, Khud Kafalat Scheme, and Ehsaas Naujawan Programme guides before applying to any one of them, since your district and business type determine which one actually fits.
Budget & Upcoming
| Scheme | What It Does |
|---|---|
| Budget 2026-27 Youth Schemes — Admission-Fee Loans, Overseas Job Support | Newly announced youth support measures from the KP Finance Department’s 2026-27 budget |
Which Scheme to Check First
Start with the category that matches your situation, not the whole list. Every KP household should be aware of Sehat Card Plus first, since it’s universal and covers the whole family. Female students pursuing higher education should go straight to the Insaf Female Education Card guide. Youth looking to start a business should check all three Bank of Khyber guides — Insaf Rozgar Scheme, Khud Kafalat Scheme, and Ehsaas Naujawan Programme — before applying, since district and business type decide which one fits.
Readers comparing KP’s offerings against federal or other provincial programs can start at the Federal Government Schemes Pakistan 2026 — BISP, PM Youth Programme, Sehat Sahulat, Housing pillar page.
FAQs
How many government schemes does KP currently offer?
KP currently runs six active schemes plus one child page across health, education, and youth employment. Each one has its own eligibility criteria and application process. This page links to every current guide, organized by category.
Is Sehat Card Plus available to every KP family?
Yes, Sehat Card Plus is a universal micro-health insurance program covering over 10.6 million families across Khyber Pakhtunkhwa, with up to Rs. 1 million in coverage per family per year. Full eligibility and hospital-list details are on its own guide.
What’s the difference between the three Bank of Khyber youth schemes?
Insaf Rozgar Scheme specifically targets residents of KP’s Newly Merged Districts with 0% down-payment financing, Khud Kafalat Scheme offers interest-free micro-business loans more broadly, and Ehsaas Naujawan Programme focuses on youth employment loans. Check each guide’s specific eligibility before applying, since they aren’t interchangeable.
Which KP scheme is best for female students?
The Insaf Female Education Card is specifically designed for female students in KP, offering free higher education including full support for orphan MDCAT qualifiers. It targets 55,000 students under the current phase.
Are KP scheme details on this page updated regularly?
Yes, KP scheme pages are reviewed every quarter to match current government figures and deadlines. Any scheme with a pending policy change is flagged as TIME-SENSITIVE with a Last Updated date on its own guide.
Why does Sehat Card Plus have a child page but the other KP schemes don’t?
Sehat Card Plus has a genuinely distinct, separately-searched sub-angle — the 2026 health policy’s OPD, school-health, and telemedicine expansion — that justifies its own page. The other KP schemes don’t currently have a comparable second angle worth splitting out.