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Is ABHA Safe? A Deep Dive into Data Security

In 2021, the Indian government launched the Ayushman Bharat Health Account (ABHA) card—a transformative step towards Indian healthcare. This card empowers all Indians to digitise their health records, simplifying the management of medical documents. It is an easy-to-use facility that grants each registered entity a unique 14-digit number that acts as a passcode to their digital health repository.

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This advanced technology was developed under the Ayushman Bharat Digital Mission, which aims to establish a robust digital health infrastructure in India. With the help of ABHA, users can access a personalised vault where they can create records of doctor prescriptions, test reports, and various other treatment details.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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In an effort to provide better access, the healthcare data of individuals is usually uploaded on the platform. However, people often wonder, whether ABHA is safe or not.

To answer this question, let’s dive in and decode more about the data security of an Ayushman Bharat Health Account or ABHA!

 

Data Security by ABHA

 

The Ayushman Bharat Health Account maintains the security and confidentiality of medical information of its users by complying with regulatory guidelines. All the health records are protected through encryption and the access is managed through consent managers.

Availability of health records is always in the power of the user, who can decide who gets access to their data. This enables cardholders like you to allow access to a doctor or a hospital for a limited time and to take that access back when it is no longer needed. Such a scheme ensures that patient data can be kept confidential and secure but allows healthcare workers access if they are required to assist with the treatment.

 

Role of Consent in ABHA

 

Consent plays a vital role in data sharing while using the ABHA. Data or any personal information can only be disclosed once the user has given consent to do so.  If there is a situation where private information is being shared, then it must be preceded by voluntary, transparent, informed, and explicit consent from the user. ABHA is created in such a way that it does not disclose any personally identifiable information or health information that has been collected by it to any third party without the user's consent. These features make it a reliable healthcare platform to store data.

 

Security Standards followed by ABHA

 

The Ayushman Bharat Health Account maintains certain security standards. A few are listed below:

  • Ayushman Bharat Digital Mission (ABDM) conducts data protection impact assessments before engaging with any new technologies that may pose risks to users.
  • Data processors follow various data management protocols to maintain security standards.
  • To sustain security standards, the ABDM team often maintains and updates accurate and current records. This is frequently done to perform important operations in the data lifecycle, including the collection, transfer, and erasure of personal data.
  • ABDM always maintains a strict audit trail of processing activities that access the user’s data so that no data breach can occur.

 

ABDM compliance with Global Data Protection Regulations and the Health Insurance Portability and Accountability Act (HIPAA)

 

The Ayushman Bharat Digital Mission (ABDM) follows various security protocols that have been set by the Global Data Protection Regulations (GDPR) and the Health Insurance Portability and Accountability Act (HIPAA).

Here are some regulations that ABDM follows to protect its data:

  • GDPR promotes transparency, lawfulness, and fairness. All the security protocols of ABDM are created by maintaining the mentioned standards set by GDPR.
  • GDPR promotes the collection of minimal data. Hence, ABHA only collects data related to the user’s health.
  • GDPR allows data portability. Therefore, ABHA allows its user to access and transfer any record related to their health.
  • The Health Insurance Portability and Accountability Act (HIPAA) promotes confidentiality. Therefore, ABHA stores all the data in an encrypted format.
  • The Health Insurance Portability and Accountability Act (HIPAA) puts some limitations on access control. Therefore, ABHA does not allow unauthorised and non-consent access control.

 

Conclusion

 

To protect the user's information, ABHA uses encryption, patient consent before access, and strict protocols. This makes ABHA India’s reliable digitised health record management platform, enabling users to have their records under their control while protecting their data as per the established global guidelines. Hence, we can conclude that it is safe to create an Ayushman Bharat Health Account (ABHA)!

 

FAQs

 

1. Can ABHA data be hacked or misused?

The ABHA is designed in such a way that no security breach can take place. Hence, no data can get leaked. While certain threats like hacking and unauthorised access always pose a risk, they can be effectively managed by using strong passwords and keeping your login credentials safe.

2. Is it safe to use the ABHA App?

The National Health Authority (NHA) has designed the ABHA app with strong security measures and privacy protection. Hence, it is absolutely safe to use the ABHA app.

3. Can I use my ABHA number to share my health data?

Yes, you can use your ABHA number to share your health data only with the people you choose. To share health details, you need to create an ABDM | ABHA address and link it to your ABHA number to start sharing your health data.

4. Is the ABHA card safe to use?

Yes, the ABHA card is safe to use. As long as users are cautious about using it and accessing healthcare, it is extremely safe.

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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%.

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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.

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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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