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How ABHA Empowers Your Health Data Access

In today’s online era, having access to health data is very important to make treatment timely and efficient. The Ayushman Bharat Health Account (ABHA) is one of India’s recent key steps to upgrade the healthcare ecosystem in a technologically geared-up India. ABHA is a game-changing initiative that enables people to take charge of their health records.

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In this article, we explore how ABHA makes health data accessible and what it means for India’s healthcare.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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What is ABHA?

The Ayushman Bharat Digital Mission (ABDM) has launched ABHA, a unique health ID. It is a single digital platform, a single place that stores and manages health-related data of an individual. The ABHA number is a gateway to the personal health records of each citizen, and each citizen can create an ABHA number. The goal of this initiative is to digitize healthcare records and bring them together for the country’s healthcare network.
 

Key Features of ABHA

  • Centralized Health Records
    ABHA enables people to bring together all their health information in one place. Instead of carrying physical files or having scattered records among hospitals, patients have access to their medical history digitally.
  • Interoperability
    It makes sure that healthcare providers communicate together seamlessly. Whether you visit a general physician in one state or a specialist in another, continuity of care is easy with records that can be accessed from either state.
  • Data Privacy and Security:
    ABHA permits access to data only with the user’s consent as a priority to protect user privacy. Sensitive health information is protected by robust encryption protocols.
  • Portability:
    With ABHA, you can take your health data with you. People who frequently travel or relocate find this portability especially useful.
  • Integration with Health Apps:
    ABHA is compatible with a number of health apps, so users can monitor their wellness through wearable devices, fitness trackers and more.
     

How ABHA Empowers Health Data Access

  • Simplifies Health Record Management
    ABHA eliminates the hassle of maintaining a bulky physical record. It simplifies record management by consolidating medical history, test results, prescriptions and other data into one platform. This gives patients easy access to their information should they have an emergency.
  • Facilitates Better Diagnosis and Treatment
    More defined diagnoses and specific treatments are available when doctors have a patient’s complete medical history. ABHA ensures that healthcare providers don’t repeat the same tests in case of past illnesses, redundancies, etc.
  • Reduces Healthcare Costs
    A common problem in healthcare is the repetition of diagnostic tests. With ABHA, patients do not have to pay for unnecessary expenses as their previous test results are available to doctors. In addition, streamlined health data access decreases administrative costs for healthcare providers.
  • Promotes Preventive Healthcare
    ABHA urges people to take charge of their health. ABHA integrates health apps and devices to help users monitor vital health parameters to practice preventive care. For instance, data from a fitness tracker linked to ABHA can warn a user of possible health risks.
  • Enables Emergency Assistance
    Health data can save lives during emergencies when it’s available instantly. Healthcare providers can access critical information like allergies, blood type, or ongoing treatments with ABHA and can act quickly.
  • Fosters Patient Empowerment
    Patients have control over their data with ABHA. They can choose which people have access to their information and for how long. This transparency adds to the account of trust and makes sure information is used to make informed decisions.
     

How to Create Your ABHA?

It’s easy and free to create your ABHA. The ABDM portal or mobile app allows you to register using your Aadhaar number or mobile number. Your ABHA number is your unique digital identity for managing health data once created.
 

Steps to Register:
 

  1. Go to the official ABHA portal.
  2. Enter your Aadhaar or mobile number for verification.
  3. Enter your details and set up your profile.
  4. Get your own ABHA number.

After you have registered, you can link your health records with your ABHA account and control the access permissions that you allow for healthcare providers.
 

ABHA Impact on India’s Healthcare Ecosystem

  • Bridging the Gap in Healthcare Access
    ABHA links rural to urban healthcare systems, thus guaranteeing equal health service reach. Through telemedicine services in combination with ABHA, patients in remote areas can now get counsel from specialists in metropolitan cities.
  • Encouraging Digital Health Innovations
    A centralized health repository helps create innovation in digital health solutions. ABHA efficiently envisions how tech can be used to drive progress in healthcare—from AI-powered diagnostics to personalized treatment plans.
  • Enhancing Public Health Monitoring
    ABHA aggregated data can assist policymakers in understanding and designing efficient public health strategies. For example, real-time data can be used to identify disease outbreaks and program resources accordingly.
  • Boosting Trust in Healthcare Providers
    ABHA ensures that transparency and accountability create trust between patients and healthcare providers. This makes it a collaborative environment where patients are empowered to share their data.
     

Future of ABHA

As ABHA matures, it will likely incorporate more sophisticated features, such as AI health insights and predictive analytics. The initiative will also expand its reach to include more hospitals, clinics, and diagnostic centres.

ABHA will continue to be a cornerstone of India’s digital health mission due to the government’s continued focus on data security and user education.
 

Conclusion

ABHA is changing the face of healthcare in India by giving people control over their health data while ensuring secure and seamless access to healthcare providers. ABHA is a game changer in empowering citizens to manage their health better, from reducing costs to better diagnosis.

It is a shining example of how technology can bridge gaps and improve lives as India moves towards a digital future. Now is the time to create your ABHA and take charge of your health journey if you haven’t already!

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.

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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
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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

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~Individual Death Claim Settlement Ratio for FY 2023-2024

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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, 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

 

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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.

^^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
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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.

$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

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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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