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Top 5 benefits of linking your health records with ABHA

The ABHA Health ID card, launched under the Ayushman Bharat Digital Mission (ABDM), has revolutionised India’s healthcare system. Connecting patients and healthcare providers on a unified platform, the ABHA card is streamlining digital access to medical records nationwide. It aims to create, develop, and strengthen India's healthcare infrastructure.

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Keep on reading to know about the top 5 benefits of linking your health records with ABHA and how it enhances the efficiency and accessibility of healthcare services.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 an ABHA Card?
 

The ABHA or the Ayushman Bharat Health Account card, is an initiative of the National Health Authority of India. It is a unique 14-digit identification number called the ABHA ID that can be easily generated by any citizen of India using his Aadhaar number or driving licence.

Managed under the Ayushman Bharat Digital Mission (ABDM), which is a digital health initiative of the National Health Authority, ABHA aims to make the healthcare ecosystem more centralised and convenient. This 14-digit unique number is linked to the ABHA digital health ID and provides easy, digital access to all medical records, prescriptions, diagnoses, and health history. By storing the medical history of patients on a single platform, the ABHA card eliminates the need for physical documents and reduces the chances of errors in treatments.
 

ABHA ID- Important Details
 

The process to apply for an ABHA card is fairly simple. Below are some important details that you need to know before applying:

Components

Details

Scheme

Ayushman Bharat Health Account (ABHA Card)

Unique Feature

Digital Health Account

Launched By

Ministry of Health and Family Welfare

Launched on

September 27, 2021

Application Fee

Free of Cost

Documents Required

Aadhaar Card/ Driving License


Why Link Your Health Records with ABHA – Top Benefits
 

1. Digitised Health Records
 

Linking your health records to ABHA allows you to easily access as well as track your health history and records in a digital format from any location. You can conveniently access and share your records like tests, diagnoses, medicine prescriptions, etc., with any hospitals, clinics, or doctors through your ABHA registration.
 

2. Easy Access to Medicare Benefits
 

Once linked with your health records, the ABHA health ID includes details of all your healthcare-related benefits like health insurance schemes and public health programs. This saves you the hassle of managing separate documents or accounts for different Medicare benefits. With your ABHA ID, you get one unified way to easily access all your health benefits.
 

3. Convenient Access to Verified Doctors
 

Through the Healthcare Professional Registry (HPR)-  a database of licensed medical professionals, ABHA allows you to consult with healthcare personnel and doctors who are verified and trustworthy. Whether you need an in-person or online consultation, you can rest assured that anyone you connect with through the ABHA system is qualified and experienced.
 

4. Creates a Unique Identity
 

The ABHA health card gives every citizen a single, unique identity using a 14-digit identification number.  This ABHA number can provide you easy access to Medicare services at hospitals, clinics, and healthcare providers across India. This unique identification number when linked to your health records eliminates confusion caused by multiple health records stored in different locations and helps reduce error, making your healthcare experience smoother.
 

5. Faster Insurance Claim Processing
 

When you link your health insurance policy to your ABHA ID, the claim process for your insurance can become a lot more seamless and faster. Through your ABHA ID, hospitals can directly and easily access your insurance details, which in turn speeds up the approval of cashless claims.
 

How to Apply for the ABHA Card Online?
 

Applying for the ABHA card online is easy with your Aadhaar card or driving licence by following the steps given below.

  1. Visit the official website of Ayushman Bharat Digital Mission (ABDM) at https://healthid.ndhm.gov.in/.
  2. Click on the ‘Create ABHA Number’ option on the website.
  3. Choose your preferred ID (Aadhaar card or driving licence) to create the unique 14-digit ABHA ID number.
  4. Provide your official mobile number on which you will receive an OTP.
  5. Once you confirm your mobile number with the OTP, you will be directed to a 'National Authority Form' page.
  6. Fill in the required personal details and ensure that the information is correct and up to date.
  7. You can now download the ABHA health card from the website.


Conclusion
 

Linking your health records with ABHA offers substantial benefits, from convenient access to verified doctors and Medicare benefits to faster insurance claim processing. Incorporating the ABHA into your healthcare strategy helps you take control of your wellness journey, providing a reliable and secure way to manage records and access essential healthcare services.

If you haven’t registered for your ABHA card yet, take the first step toward efficient, affordable, and medical management and become part of the digital healthcare revolution. Prevention is, after all, better than cure!

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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.

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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%.

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