Claim Settlement Ratio of 99.23%~

Close Button Close Button
X
NRI Services Helpline

Calling FromPhone Number (Toll Free)
AUSTRALIA80037371371
CANADA
HONG KONG
ISRAEL
MALAYSIA
NEW ZEALAND
PHILIPPINES
SINGAPORE
THAILAND
UNITED KINGDOM
BRUNEI8014605
INDONESIA0018030160202
JORDAN080023194
OMAN80074363
TURKEY00800142030059
VIETNAM1800400070
UNITED STATES18339680951
Calling us from INDIA18002097272
Rest of the World+912067871700
(Call charges apply)

ABHA vs. Aadhaar: Differences and Similarities

In the quickly changing world of digital India, two significant initiatives stand out: The Aadhaar Card and the ABHA (Ayushman Bharat Health Account) Card. Both are powerful tools designed to simplify lives, yet they cater to vastly different needs. Aadhaar has become synonymous with identity verification, serving as a universal proof of existence for over a billion residents. On the other hand, ABHA represents a revolutionary step in healthcare, aiming to create a seamless digital health ecosystem for every Indian.

Read More

While both systems champion the cause of accessibility, transparency, and efficiency, their purposes, applications, and benefits vary significantly. This article dives deep into the similarities and differences between these two essential cards, helping you understand how they work individually and together to transform identity and healthcare services in India.Read Less

Get in Touch to Know More
I agree and consent to the Terms & Conditions, Privacy Policy
Get Your Life Goals, Done!

Tailored Life Insurance Solutions for your long-term Life Goals.

Written ByPalak Bagadia
AboutPalak Bagadia
LinkedIn Icon
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
LinkedIn Icon
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
Share

Whether you’re an Aadhaar cardholder or considering the advantages of the ABHA card, this comparison offers valuable insights into their unique contributions to India’s digital revolution.

Similarity Between ABHA Card and Aadhaar Card

Aspect

Aadhaar Card

ABHA Card

Nationwide Applicability

Usable across India for a wide range of identity-based services. These include government schemes (e.g., subsidies, pensions), banking services, mobile SIM verification, and more, making it universally recognized.

Enables seamless access to healthcare services across integrated healthcare providers throughout the country. It allows the portability of electronic health records, ensuring individuals receive consistent care regardless of location.

Digitization Focus

Supports India’s transition toward e-governance by digitizing identity verification, enabling faster access to services such as Direct Benefit Transfers (DBTs) and digital banking.

Drives the digital transformation of healthcare, allowing the secure creation, storage, and sharing of electronic health records (EHRs) and promoting cashless and efficient healthcare delivery.

Accessibility

Available free of cost, with a straightforward enrollment process that requires minimal documentation. Enrollment centers are widespread, ensuring accessibility for all residents, including those in remote areas.

Offered free of cost, with a quick and user-friendly online registration process. It can be created using Aadhaar or other identity documents, making it easily accessible to anyone seeking to digitize their healthcare records.

Privacy and Security

Operates under the Aadhaar Act, which mandates stringent measures to protect biometric and demographic data. Sharing of Aadhaar data requires legal authorization or user consent, ensuring security and privacy.

Built on a consent-based system, ABHA ensures individuals have full control over the sharing of their health records. Patients can choose which records to share and with whom, guaranteeing secure and privacy-respecting data exchange.

 

Differences Between ABHA Card and Aadhaar Card

While both the Aadhaar Card and Ayushman Bharat Health Account (ABHA) Card are pivotal in India’s digital framework, they cater to different needs. One of them focuses on identity and the other on healthcare. Below are the detailed differences

Aspect

Aadhaar Card

ABHA Card

Purpose

The Aadhaar Card provides a universal identity for Indian residents and serves as proof of identity and address for accessing government and private services. It is a foundational document for verifying an individual’s existence in the national database.

The ABHA Card is designed specifically to digitise healthcare. It links an individual’s medical records to a digital identity, enabling seamless access to healthcare services such as diagnoses, treatments, and prescriptions.

Issuing Authority

Issued by the Unique Identification Authority of India (UIDAI) under the Ministry of Electronics and Information Technology. The Aadhaar system manages biometric and demographic data of over a billion residents.

Issued by the National Health Authority (NHA) under the Ayushman Bharat Digital Mission (ABDM), it focuses on creating a unified digital healthcare ecosystem in India.

Primary Function

Acts as a proof of identity and residence for Indian residents, facilitating access to a wide array of services, including financial, telecommunication, and governmental benefits. Aadhaar is used extensively for Direct Benefit Transfers (DBTs) and income tax filings.

Functions as a health identity document that simplifies the storage, retrieval, and sharing of personal health records. It enables users to receive cashless treatment at integrated hospitals, track their medical history, and provide consent-based access to doctors.

Data Stored

Includes biometric data (fingerprints, iris scans, and photographs) and demographic details (name, date of birth, gender, address). The data is stored centrally in a secure database managed by UIDAI.

Links a person’s electronic health records (EHRs), such as medical reports, prescriptions, and lab results, with their unique health ID. These records are not stored centrally; instead, they are linked via a federated architecture, ensuring privacy and security.

Scope of Use

Widely used across all sectors, including government schemes (e.g., LPG subsidies, ration cards), financial services (e.g., bank account verification), and private services (e.g., mobile number verification). It is a multi-purpose identity document.

Specifically designed for the healthcare sector. It allows access to medical services, portability of health records across integrated healthcare providers, and integration with existing health systems like the Central Government Health Scheme (CGHS).

Mandatory Status

Aadhaar has become mandatory for availing several government schemes, filing income taxes, and linking with services like PAN cards and bank accounts. It acts as a backbone for many administrative processes.

ABHA is voluntary but strongly recommended for those seeking to leverage the benefits of India’s growing digital healthcare ecosystem, including cashless treatments and accessible medical records.

Uniqueness

Each individual is assigned a 12-digit Aadhaar number that is unique to them and serves as a singular proof of identity.

Each individual receives a 14-digit ABHA number along with an optional ABHA address to make sharing of health records simple and user-friendly.

Conclusion

The Aadhaar Card and ABHA Card are key components of India's digital path, covering crucial identity and healthcare needs. While Aadhaar is a universal identity tool that connects people to a variety of services, ABHA aims to transform healthcare by establishing a seamless, digital health ecosystem. Both are committed to accessibility, efficiency, and inclusivity, but their specific goals highlight their varied contributions to India's prosperity.

Individuals have unique control over their health data thanks to ABHA, which provides safe, consent-based access to electronic health records. It simplifies healthcare delivery while also improving portability, transparency, and data privacy.

As India moves toward a fully digitized future, ABHA represents a vital step in modernizing healthcare, ensuring that every citizen can access quality services effortlessly. Together, Aadhaar and ABHA pave the way for a more connected, efficient, and citizen-focused digital India.

FAQs

1. Is the ABHA card secure?

Yes, the ABHA card is very secure. The information is only shared when you consent to it.

2. Is the ABHA card free?

Yes, the ABHA card application is absolutely free of cost. You have to pay nothing to get your own ABHA card.

3. What is the difference between ABHA ID and UHID?

There is no difference between the ABHA card and UHID. They are one and the same.

Life Insurance Guide

Long term investment plans - What Are Their Benefits?

A suitable financial plan may be defined by its components. Amongst other things, one aspect, it may be incomplete without, is a steady amount of investment.

Read More
Long term investment plans - What Are Their Benefits?

A suitable financial plan may be defined by its components. Amongst other things, one aspect, it may be incomplete without, is a steady amount of investment.

Read More
Long term investment plans - What Are Their Benefits?

A suitable financial plan may be defined by its components. Amongst other things, one aspect, it may be incomplete without, is a steady amount of investment.

Read More
Long term investment plans - What Are Their Benefits?

A suitable financial plan may be defined by its components. Amongst other things, one aspect, it may be incomplete without, is a steady amount of investment.

Read More
Disclaimers:
Plus Symbol
Minus Symbol

* Conditions Apply – The guaranteed benefits are dependent on the purchase price & annuity option chosen. For more details please refer to sales brochure.

~Tax benefits as per prevailing Income tax laws shall apply. Please check with your tax consultant for eligibility.

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.

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Investment in ULIPs is subject to risks associated with the capital markets. The policy holder is solely responsible for his/her decisions while investing in ULIPs. The views stated in this article are not to be construed as investment advice and readers are suggested to seek independent financial advice before making any investment decisions. For more details on risk factors, terms and conditions please read the sales brochure & policy document (available on www.bajajallianzlife.com) carefully before concluding a sale

The above information is for general understanding and is meant to educate the general public at large. The reader will have to verify the facts, law and content with the prevailing tax statutes and seek appropriate professional advice before acting on the basis of the above information.

X
Disclaimer

*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.

~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

X
Terms & Conditions

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, SMS or WhatsApp sent 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

 

Please refer to BALIC Privacy Policy

X
Disclaimer

%%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.

^^The Return of Premium amount is total of all the premiums received, exclusive of extra premium, rider premium and GST & /any other applicable tax levied, subject to changes in tax laws
Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116

X
Disclaimer

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


X
Disclaimer

*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.

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

^^The Return of Premium means total of all the premiums paid under the base product, excluding any extra premium and taxes, if collected explicitly.

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

X
Terms & Conditions

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

close
Ask for an Agent
Sign up for personal visit and tailored advice from our expert agents