Reimagining Maternal Healthcare Access in Pakistan

The Challenge

Pakistan faces one of the highest maternal mortality rates in the world. Despite this, only 2.9% of GDP was spent on healthcare in 2021, nearly 73% below the World Health Organization’s recommended level.

Public sector hospitals remain underfunded, private care is unaffordable, and just 3.2% of women have health insurance. At the same time, 52% of women are illiterate, leaving many without the essential knowledge needed for safe pregnancy and postpartum care.

These gaps in affordability and education place millions of mothers and newborns at risk of preventable complications and death.

The Solution: Maternity Takaful

Maternity Takaful is a holistic maternal health platform designed to address these challenges by combining financial protection with maternal education.

Key features include:

• Affordable Coverage – Lower monthly premiums than traditional maternity insurance.

• Shariah Compliance – Built on a cooperative, community-based risk-sharing model aligned with Islamic values.

• Digital Access – A mobile app and web platform for payments, claims, and educational resources.

• Maternal Education – Free or low-cost courses on antenatal and postnatal care to improve health literacy.

• Delivery Fund – A donation-based pool to subsidize delivery costs for low-income households.

• Future Expansion – Integration of telehealth services to connect women with obstetricians and gynecologists online.

By combining prevention, care, and financial support in one accessible model, Maternity Takaful empowers women through both knowledge and protection, ensuring safer journeys into motherhood.