For people with simple MBBS the only option in PAF is GDMO. Age limit is 24-28 and you must have completed 1 year house job in an institution recognized by PM&DC.
The rank after 20 weeks of training will be Flight Lieutenant which is equivalent to captain (BPS-17).
You get accommodation + medical for your family (spouse, children, parents).

As for your question regarding PAF vs Civil, I'd say PAF has better perks. Plus it is short service commission so you're not bound to serve for life, although once people join they seldom leave PAF/Army for jobs in civil departments.