Waada review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Waada is a broker (broker) for health, life and gadget cover in Pakistan, with monthly premiums from PKR 1.50 and claims started online, whatsapp and phone. It suits customers who want small monthly payments on everyday cover and are happy to place the policy through an intermediary.

Key facts

Best for
Small monthly premiums on health, life and gadget cover in Pakistan.
Premium from
PKR 1.5 (Source, checked September 26, 2026)
Insurance types
Health, Life, Gadget (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Cover limit
PKR 500,000 death benefit (Islamic Life Insurance Plan) (Source, checked September 26, 2026)
Claims channels
Online, Whatsapp, Phone, Email, Partner branches (Source, checked September 26, 2026)
Age range
18-65 years (Source, checked September 26, 2026)
Legal entity
Waada Digital Private Limited (Source, checked September 26, 2026)
Headquarters
Pakistan (Source, checked September 26, 2026)
Founded
2020 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
waada.pk

Apps and profiles

Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Monthly payments are available, with premiums from PKR 1.50
  • Claims can be started online, whatsapp and phone
  • Cover spans health, life and gadget
  • It is a broker (broker), so it can place cover with insurers

Cons

  • Support runs on phone, email and help centre only, so a claim filed in person needs a branch
  • Its provider type is broker, not insurer (broker), so the policy terms sit with whichever insurer holds the plan
  • The Islamic Life Insurance Plan pays a fixed death benefit of PKR 500,000 death benefit (Islamic Life Insurance Plan), which may be modest beside what a family needs
Waada

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Scored 8.9 / 10 by AssureCue.

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Who it suits

  • Adults in Pakistan who pay premiums monthly rather than yearly
  • People wanting health, life and gadget cover under one arrangement
  • Anyone inside the eligible age range of 18-65 years

Who should look elsewhere

  • People who want to deal with the insurer directly rather than through a broker
  • Anyone who needs a face-to-face branch claim, since support runs on phone, email and help centre only
  • Shoppers wanting cover lines beyond health, life and gadget, which is the full list of health, life and gadget

How your money is protected

Waada is a broker (broker), which shapes where the protection comes from. Because a broker places cover with an insurer, the policy you sign is underwritten by the insurer Waada selects, so the contract and any claim decision sit with that insurer. Waada operates in Pakistan under the Securities and Exchange Commission of Pakistan, so ask which insurer holds your plan before you sign up.

The company behind it

The legal entity is Waada Digital Private Limited, based in Pakistan and trading since 2020. Support runs on phone, email and help centre, so phone, email and a help centre are the routes in. As a broker (broker), the entity you deal with is the intermediary, which shapes how a claim is handled end to end.

How Waada compares

Where Waada is available

Available
Pakistan
Licence in Pakistan
Securities and Exchange Commission of Pakistan (SECP), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does a Waada policy cost each month?+

Premiums start at PKR 1.50 and payments run monthly. Waada sells health, life and gadget cover, so the price depends on which line you pick and what the insurer charges for your age and cover level. Ask for the quote on the specific plan before you compare anything.

How do I make a claim with Waada?+

Claims can be started online, whatsapp and phone. That means you can begin without walking into a branch, using WhatsApp or a phone call, and partner branches are there if you prefer to deal with someone face to face. Keep your policy documents handy when you start the claim.

Is Waada an insurer or a broker?+

Waada is a broker (broker), which means it places your cover with an insurer rather than carrying the risk itself. Brokers account for 37.2% of the brands on the site, against 42.4% that are insurers. The contract you sign is with the insurer, so check who holds your policy.

Which regulator oversees Waada?+

Waada operates in Pakistan and is overseen by the Securities and Exchange Commission of Pakistan. It is a young firm, trading since 2020, so the regulatory record is shorter than the insurers on the site. That is normal for a broker, but worth weighing if you want a long-established counterparty.

What can I actually insure through Waada?+

The lines on offer are health, life and gadget. Gadget cover sits alongside health and life in the same monthly premium, and 11.6% is a small share of the brands on this site, so expect the phone cover to be a minor part of the policy.

Who is Waada designed for?+

The eligible age range is 18-65 years, and monthly payments are available. That points at younger working customers in Pakistan who would struggle with a yearly payment. Anyone outside the age range, or who prefers a single annual premium, will find less here.

How much cover does a Waada life policy pay out?+

The Islamic Life Insurance Plan pays a death benefit of PKR 500,000 death benefit (Islamic Life Insurance Plan). That is a defined sum rather than a percentage of earnings, so check whether it matches what your family would need. Gadget and health lines are separate, and the benefit on each depends on the plan quoted.

How do I get help from Waada?+

Support runs on phone, email and help centre, so phone, email and a help centre are the routes in. WhatsApp is listed for claims rather than general support. Phone is the most common support channel across the site at 90.9%, so expect to reach someone that way.

Sources

  • waada.pk checked September 26, 2026

    Backs: Headquarters, Support channels

    “163 Banglore town Main Shahrah-e-Faisal Rd, Faisal Cantonment, Karachi, Karachi City, Sindh”

  • waada.pk/personal-accidental-insurance checked September 26, 2026

    Backs: Claims channels

    “Submit claim online at www.waada.pk/claims; Lodge claim at WhatsApp 021-111-992-232; Calling Waada at 021-111-992-232; Or email at claims@waada.pk. Note: Documents can be submitted at partner...”

  • waada.pk/what-we-do checked September 26, 2026

    Backs: Founded

    “Founded in 2020 by Ishaq Kothawala, Waada aims to make buying, selling, and managing insurance simple and accessible”

  • zong.com.pk/vas/waada checked September 26, 2026

    Backs: Pricing model, Legal entity, Age range, Cover limit, Provider type, Insurance types, Monthly payments, Premium from, Licences

    “the daily subscription fee or premium should be paid in full in the previous month”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Waada

Waada

Small monthly premiums on health, life and gadget cover in Pakistan.

8.9/10See alternatives

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