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)

  • Home >
  • Blogs >
  • Life >
  • How India S Abha Stands Out In The Global Healthcare System

How India’s ABHA Stands Out in the Global Healthcare System

We live in a time when healthcare systems around the world are being transformed digitally, and India's Ayushman Bharat Health Account (ABHA) has emerged as a game changer. As part of the Ayushman Bharat Digital Mission (ABDM), ABHA is not just a step toward upgrading India's healthcare system, it is also a move toward establishing a more inclusive, accessible, and patient-centric ecosystem. While nations like Estonia, Denmark, and the UK have pioneered digital health records, India’s approach stands out for its sheer scale, affordability, and innovative features tailored to a diverse population.

Read More

ABHA empowers individuals with a unique health ID, enabling seamless access to medical records, cashless treatments, and portability across providers—all while ensuring privacy through consent-driven data sharing. What sets ABHA apart is its focus on inclusivity, bridging gaps in a healthcare system that caters to over a billion people.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

This article explores how ABHA compares to global healthcare models, showcasing how India’s digital health revolution is setting new benchmarks for accessibility, efficiency, and equity in the global healthcare landscape.
 

Why Should You Care About ABHA?
 

The Ayushman Bharat Health Account (ABHA) is an innovative initiative under the Ayushman Bharat Digital Mission (ABDM), aimed at transforming India's healthcare system through digital integration. It provides every individual with a unique 14-digit health ID, enabling them to securely store, manage, and share their health records across multiple healthcare providers. ABHA is the cornerstone of India’s vision for a connected, patient-centric healthcare ecosystem, offering seamless access to medical history and services.
 

Key Features of ABHA
 

1. Digital Health Identity
Each individual is assigned a unique health ID, which acts as a digital identity for accessing healthcare services nationwide.

2. Portability Across Providers
Health records linked to ABHA are accessible across integrated medical service providers, ensuring continuity of care regardless of location.

3. Electronic Health Records (EHR)
ABHA facilitates the creation and secure storage of EHRs, enabling doctors to access accurate patient histories for better clinical decisions.

4. Consent-Driven Data Sharing
Patients maintain full control over their health data, sharing specific records with providers only when they consent.

5. Cashless Healthcare Services
ABHA integrates with schemes like Ayushman Bharat PM-JAY, enabling cashless transactions for eligible beneficiaries.

6. Enhanced Efficiency
By minimising paperwork and administrative delays, ABHA allows healthcare providers to focus on patient care.
 

What is ABHA Doing Differently?
 

The Ayushman Bharat Health Account (ABHA) is a remarkable step forward in using technology to improve healthcare, not just in India but also compared to systems worldwide. While many countries are working on digitising healthcare, ABHA stands out because it focuses on reaching a large population, keeping costs low, and putting patients in control.
 

Scale and Accessibility
 

India’s diverse population of over 1.4 billion poses challenges that few nations face. ABHA’s design ensures universal accessibility, offering free enrollment to all residents, regardless of socioeconomic status. This contrasts sharply with many global healthcare systems where digital health initiatives are limited to smaller populations or involve high implementation costs.
 

Portability Across Providers
 

ABHA allows patients to access their health records and receive care from any participating provider, anywhere in the country. This seamless access is rare, even in advanced healthcare systems globally.
 

Patient Privacy and Consent
 

One of ABHA’s key features is its focus on privacy. Patients have full control over their health records and decide who can access them. This consent-based approach builds trust and ensures data is shared only when the patient allows it.
 

Cost-Effectiveness and Inclusivity
 

In many developed nations, digital healthcare solutions require significant investment by patients or insurers, creating barriers for low-income groups. ABHA, in contrast, is entirely free to use and integrates with government health schemes like Ayushman Bharat PM-JAY, ensuring that even the most vulnerable populations can benefit.
 

One-Stop Health Record Management
 

ABHA goes beyond storing medical records by linking prescriptions, lab reports, and health histories into one secure platform. This simplifies healthcare for patients and reduces paperwork for providers, making healthcare faster and more efficient.
 

Data-Driven Decision Making
 

The data collected through ABHA can help the government plan better healthcare policies without revealing personal details. By analysing trends and gaps in healthcare access, policymakers can make evidence-based decisions, addressing challenges such as disease outbreaks and resource allocation—features seen in advanced systems like the UK’s NHS but tailored to India’s needs.
 

Fits with Existing Systems
 

ABHA works alongside India’s current healthcare programs, like the Central Government Health Scheme (CGHS). It ensures patients can carry their digital health records wherever they go, making care smoother and more connected.
 

Conclusion
 

In addition to being a tool for healthcare digitisation, the Ayushman Bharat Health Account (ABHA) is a visionary approach to healthcare delivery in India and a model for the rest of the world. ABHA redefines what a fully inclusive and accessible healthcare system can look like by tackling issues specific to India, such as a large and diverse population, resource constraints, and geographic discrepancies.

What makes ABHA remarkable is its ability to combine simplicity with innovation. With its unique 14-digit health ID, free access, and portability, ABHA empowers individuals to take control of their health records while ensuring privacy and consent at every step. This focus on patient-centric care, coupled with the ability to seamlessly integrate with existing healthcare systems, makes it a powerful tool for bridging gaps in care delivery.

Globally, healthcare systems grapple with balancing affordability, accessibility, and efficiency. ABHA addresses these challenges head-on, demonstrating how digital solutions can transform healthcare at scale. As it evolves to incorporate new features and partnerships, ABHA is poised to not only elevate India’s healthcare standards but also inspire other nations to rethink their approaches to health technology.

All in all, ABHA is a promise of improved health, more intelligent care, and a future where no one is left behind.
 

FAQs
 

1. Can ABHA be used at private hospitals?

Yes, ABHA can be used at private hospitals that choose to adopt the system. It depends on the hospital’s willingness to integrate with the Ayushman Bharat Digital Mission.

2. Is ABHA mandatory for healthcare?

No, ABHA is optional. However, it is useful for those who want easier access to digital health records and faster healthcare services.

3. How does ABHA protect my health data?

ABHA ensures privacy by letting you decide who can access your health records. Your data stays secure and is not stored in a central system.

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