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Top 10 Questions About ABHA Answered by Experts

The Ayushman Bharat Health Account (ABHA) is a vital component of India's Ayushman Bharat Digital Mission (ABDM), designed to create a unified digital health ecosystem. By offering a unique digital ID, ABHA empowers individuals to store and share their medical records seamlessly, improving healthcare delivery across the nation. However, as with any innovative system, questions and uncertainties arise.

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This comprehensive guide answers the top 10 frequently asked questions about ABHA, providing expert insights and step-by-step guidance to help you navigate and maximise its benefits.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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1. What is ABHA, and How Does It Function?

ABHA, or Ayushman Bharat Health Account, is a 14-digit unique identification number assigned to individuals to manage their health records digitally. It acts as a centralised repository that enables secure storage and seamless sharing of medical information with healthcare providers.

By creating an ABHA ID, individuals gain the ability to:

  • Access their medical history anytime, anywhere
  • Share health records with hospitals, clinics, and labs securely
  • Eliminate the need for repeated documentation during consultations

ABHA integrates with the Ayushman Bharat Digital Mission to improve healthcare coordination and reduce paperwork, making healthcare delivery more efficient.
 

2. Who is Eligible to Create an ABHA ID?

Every resident of India is eligible to create an ABHA ID, provided they have a valid form of identification, such as an Aadhaar or a driving license. There is no age restriction, and the process is entirely voluntary and free of cost.

ABHA aims to ensure inclusivity in digital healthcare, encouraging participation from diverse demographic groups, including children (with guardian consent) and elderly individuals.
 

3. What are the Benefits of Having an ABHA ID?

An ABHA ID offers significant advantages:

  • Centralized Medical Records: Consolidates prescriptions, diagnostic reports, and treatment histories into one digital platform.
  • Seamless Access: Provides instant access to health information, especially useful during emergencies.
  • Improved Data Privacy: Ensures data security through user-controlled permissions, allowing individuals to decide who can access their health data.
  • Insurance Simplification: Streamlines claim processes by offering insurers authorized access to medical histories.

By bridging gaps in healthcare delivery, ABHA helps create a patient-centric approach.
 

4. How Can One Create an ABHA ID?

Creating an ABHA ID is straightforward:

  1. Via Aadhaar: Visit the ABHA portal, choose the Aadhaar option, and complete the OTP-based verification.
  2. Via Driving License: Opt for the driving license method to generate a Pre-Registration Number (PRN). Visit an ABDM-participating facility for manual verification.
  3. Using Mobile Apps: Download the ABHA mobile app and follow the guided steps to register and verify your ID.

The entire process takes a few minutes and requires minimal documentation.
 

5. Is Linking Aadhaar Mandatory for ABHA?

No, linking Aadhaar is not mandatory. While it simplifies the ABHA ID creation process due to instant verification, individuals can use alternatives like a driving license or mobile number. This flexibility ensures that ABHA remains accessible to all, including those who prefer not to share Aadhaar details.
 

6. How is Privacy Ensured with ABHA?

Privacy and security are foundational pillars of the ABHA system.

  • Informed Consent: Data sharing occurs only after explicit consent from the user.
  • Granular Permissions: Users can choose which data to share and with whom, ensuring control over personal health information.
  • Data Encryption: Robust encryption protocols safeguard sensitive information from unauthorized access.
  • Revocable Access: Permissions can be revoked at any time, adding an extra layer of security.

ABHA complies with global best practices in data security to protect individual privacy.
 

7. Can ABHA ID Be Used Across Different Healthcare Providers?

Yes, the ABHA ID is universally recognized across all healthcare providers registered under the Ayushman Bharat Digital Mission. This interoperability ensures that medical records are accessible wherever you go, reducing redundancies and enhancing the continuity of care.
 

8. What Should I Do If I Forget My ABHA ID or Password?

Forgetting your ABHA ID or password is not a significant issue:

  • Visit the ABHA portal and select the “Forgot ID” or “Forgot Password” option.
  • Complete the verification using your registered mobile number or Aadhaar-linked OTP.
  • Follow the prompts to retrieve your ID or reset the password securely.

Tip: Save your credentials in a secure password manager to avoid future inconvenience.
 

9. Can Personal Information in ABHA Be Updated?

Yes, personal details such as name, address, or contact number can be updated easily:

  1. Log in to the ABHA portal using your credentials.
  2. Navigate to the profile section and select the “Edit” option.
  3. Make the necessary changes and save the updated information.

Ensure the updated details match your official identification documents to avoid discrepancies.
 

10. How Does ABHA Integrate with Insurance Services?

ABHA significantly enhances the insurance claim process by:

  • Providing insurers with accurate medical records to verify claims.
  • Reducing disputes caused by incomplete or inaccurate information.
  • Expediting claim settlements through seamless data sharing with user consent.

This integration fosters transparency and ensures faster processing of health insurance claims.
 

Conclusion
 

ABHA is a transformative step towards digitizing India’s healthcare system, offering numerous benefits to both individuals and healthcare providers. By addressing these top 10 questions, we aim to clarify the purpose, functionality, and advantages of ABHA, empowering users to make the most of this innovative platform. As India progresses towards a digital health ecosystem, ABHA is poised to play a pivotal role in enhancing healthcare accessibility, efficiency, and security.

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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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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

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

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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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