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ABHA for Senior Citizens: Why It’s Crucial

As we age, managing medical records becomes increasingly complex and challenging. Visiting clinics, juggling multiple prescriptions and keeping track of diagnostic reports can be overwhelming for senior citizens. The Ayushman Bharat Health Account (ABHA) emerges as a game-changing solution, offering a digital lifeline that transforms how older adults manage their healthcare information. This innovative digital health identity card provides individuals with a simple, secure way to store and access their entire medical history with just a 14-digit unique identifier.

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No more rummaging through drawers of yellowed medical papers or depending on family members to track down a crucial test result!Read Less

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Written ByPalak Bagadia
AboutPalak Bagadia
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Palak Bagadia, Associate – Digital Marketing at Bajaj Allianz Life, with experience spanning content and performance marketing, recruitment, employee engagement in the BFSI industry.
Reviewed ByRituraj Singh
AboutRituraj Singh
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Rituraj Singh,With over 6.5 years of experience in the insurance industry, Rituraj Singh, Manager- Product & Brand Marketing at Bajaj Allianz Life Insurance overlooks new product launches, compliance, and brand projects, leveraging artificial intelligence and technology to enhance outcomes.
Written on: 7th July 2024
Modified on: 7th July 2024
Reading Time: 15 Mins
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ABHA transforms healthcare management from a stressful chore into a seamless, empowering experience. It's not just a card but a digital safekeeping of health information, ensuring senior citizens can access their medical history quickly and independently, wherever they are.
 

What is an ABHA or Ayushman Bharat Health Account (ABHA) Card?
 

The Ayushman Bharat Health Account (ABHA) card is a new digital health initiative that transforms how Indians manage their medical information. At its core, the ABHA is a unique 14-digit identification number that serves as a comprehensive digital health repository for every individual.

Developed under the Ayushman Bharat Digital Mission, this innovative system is designed to create a robust digital infrastructure for healthcare in India. Think of it as a digital vault that securely stores your entire medical history, from doctor consultations and prescriptions to diagnostic reports and treatment details.

Unlike traditional paper-based medical records, the ABHA card offers a seamless, centralized approach to healthcare documentation. It allows individuals to store, manage, and share their medical information with healthcare providers across the country at the touch of a button. This means no more carrying bulky medical files or struggling to remember past treatments.

The card is exclusively for Indian citizens and requires an Aadhaar card or identity proof for verification. It represents a significant leap forward in India's healthcare technology, aiming to:

  • Digitize medical records for instant access
  • Ensure easy access to healthcare information
  • Reduce medical errors
  • Simplify healthcare interactions
     

Why the Elderly Should Definitely Opt for ABHA
 

Here are the key reasons why senior citizens should consider the Ayushman Bharat Health Account (ABHA) card:
 

Personal Health Passport
 

Instead of juggling multiple medical records, ABHA provides a single, unique 14-digit identifier. This digital health passport eliminates confusion, reduces medical errors and ensures smooth healthcare interactions across India.
 

Digital Medical Memory
 

Say goodbye to bulky medical folders. ABHA digitally stores the entire medical history, allowing users to share records instantly with healthcare providers. No more struggling to organise or carry years of medical documents.
 

Comprehensive Benefit Management
 

Consolidate all your healthcare benefits in one place. From health insurance schemes to public health programs, ABHA links everything under one digital umbrella, simplifying your healthcare management.
 

Total Control of Your Health Data
 

Your medical information remains strictly confidential. With ABHA, you decide who sees your health records. No unauthorized access, only you can grant permission to share your medical information.
 

Trusted Healthcare Connections
 

Access a network of verified and trustworthy healthcare professionals. Whether you need in-person or online consultations, ABHA ensures you connect with qualified medical experts. Be it private or public hospitals, ABHA cards work everywhere.
 

Emergency Support System
 

The ABHA card lets you add a trusted family member as a nominee who can manage your health account during critical times. This feature provides an extra layer of support and peace of mind.

Complete Freedom of Choice
 

Enrollment is entirely voluntary. You can join, pause, or exit the program at any time, giving you complete control over your digital health journey. It is not mandatory and is only there to help you with the medical processes.
 

Streamlined Insurance Experience
 

Accelerate insurance claims with direct access to your medical details. Hospitals can quickly verify and process your insurance information, reducing wait times and administrative hassles. During medical emergencies, it is especially helpful so you can focus on the treatment and not paperwork.
 

Holistic Healthcare Approach
 

Doctors gain a comprehensive view of your medical history, enabling more accurate diagnoses and personalized treatment plans. Every previous medication, treatment and test result becomes part of your integrated health profile.

The ABHA card is a powerful tool that empowers senior citizens to take charge of healthcare with confidence, convenience and complete peace of mind.
 

Conclusion
 

While the documentation process might seem overwhelming, the long-term benefits of the ABHA health card far outweigh the initial effort. Consider it an investment in your healthcare independence and peace of mind.

By understanding and carefully preparing for the ABHA application process, senior citizens can unlock a world of digital healthcare convenience, ensuring they receive the best possible medical support with minimal hassle.
 

FAQS
 

1. Who is not eligible for the ABHA card?
 

While Indian citizens are eligible to apply for an ABHA card, foreigners and NRIs, on the other hand, are not eligible for service.
 

2. What should be my maximum income to be eligible for the ABHA card?
 

In order to be eligible for the ABHA card, you must have an annual income of maximum 2.5 lakh rupees.
 

3. What documents do I need to sign up for the ABHA card?
 

To sign up for the ABHA card, you will need valid address proof, bank account details, a medical history declaration, and a domicile certificate.

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~Individual Death Claim Settlement Ratio for FY 2023-2024

1Premium Holiday has to be selected at inception to avail this benefit and also depends on other policy terms & conditions


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%%Above illustration is for Bajaj Allianz Life eTouch- A Non Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N172V03) considering Male aged 25 years | Non-Smoker | Policy Term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Sum Assured opted is Rs. 1,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 6,238. 2nd Year onwards premium is Rs. 6,659. Total Premium Paid is Rs. 1,99,349 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly installments (Lumpsum Payout Percentage : 45, Income Payout Percentage : 55) | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only. This is inclusive of all the discounts mentioned above.

##Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

@Term Insurance plan bought online directly from Bajaj Allianz Life Insurance has no commissions involved.

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Bajaj Allianz Life eTouch- A Non Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N172V04)

*Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

~Individual Death Claim Settlement Ratio for FY 2023-2024

1Premium Holiday has to be selected at inception to avail this benefit and also depends on other policy terms & conditions


Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116


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*Above illustration is for Bajaj Allianz Life eTouch II - A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N198V01) considering Male aged 25years | Non-Smoker | Policy Term(PT)– 30 years | Premium Payment Term (PPT)– 30 years | Sum Assured opted is Rs.1,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 5,092. 2nd Year onwards premium Rs. 5,520. Total Premium Rs. 1,65,172 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 40, Income Payout Percentage: 60). Income payout instalment opted for 40 years | Premium shown above is inclusive of Online Discount only, no other discounts have been considered and exclusive of Goods & Service Tax/ any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajallianzlife.com) carefully before concluding a sale.

##Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

**5% Discount applicable for customer's first individual life insurance policy, applicable only on first year’s premium. 5% Discount for salaried customers, applicable only on first year’s premium. 6% Discount on online purchase is available for regular premium payment and limited premium payment frequency on first year's premium.

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I hereby authorize Bajaj Allianz Life Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any Call made, including via Voice over Internet Protocol & WhatsApp, SMS or WhatsApp messages, in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business

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