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)

Understanding Consent Management in ABHA

The Ayushman Bharat Health Account (ABHA) represents a significant initiative within India’s Ayushman Bharat Digital Mission (ABDM). It is designed to establish a comprehensive and integrated platform that empowers citizens to access and manage their health data in a digital repository. A fundamental aspect of ABHA is its focus on consent management, which grants individuals full authority over their health information.

Read More

Effective consent management is pivotal in ensuring that health data is exchanged securely, transparently and as per individual preferences. In this blog, we will discuss the significance of consent management within ABHA, its framework and its role in strengthening trust and security in health data management.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

ABHA and its Role in Healthcare

 

The Ayushman Bharat Digital Health Mission, an initiative of the Government of India, aims to establish a unified digital health infrastructure. Its objective is to provide every Indian citizen with a unique identity for their health data, providing a repository of digital health records for better data accessibility. The heart of this digital health infrastructure is the Ayushman Bharat Health Account. This account grants each user a secure and personal account for compiling and storing their health information in a digital format.

ABHA creates a unique health ID that helps store a variety of medical records, such as hospital visits, prescriptions, diagnostic reports, and treatment histories. This health ID gives users access to their health data, which they can easily share with healthcare providers if needed.

 

What is Consent Management?

 

Consent management is the process whereby a person permits or withdraws the right to use, store, or share personal information. In healthcare, consent management can control how patient health data is accessed, shared, and utilized by healthcare providers or third-party organizations. It serves to maintain privacy, respect data protection regulations, and ultimately establish patients' trust in healthcare providers.

In ABHA, consent management is a mechanism to protect individuals' sensitive health information while facilitating smooth and secure data sharing. It allows individuals to identify which healthcare providers or organizations can access their data, for what purposes and for how long. Additionally, it provides the opportunity to revoke consent at any time, thereby giving individuals control over their health data.

 

Importance of Consent Management in ABHA

 

Consent management is an integral part of the ABHA ecosystem for several reasons defined as follows:

1. Data Privacy and Security: Health data represents one of the most sensitive forms of personal information. Given the digital nature of ABHA, health records are stored electronically, rendering them susceptible to cyber threats. A comprehensive consent management framework implemented within ABHA guarantees that individuals' health data is accessible solely by authorized parties, thus protecting against unauthorized access.

2. Patient Empowerment: The core belief of ABHA is that individuals should be in charge of their health data. With effective consent management, individuals can choose who can access information about their health. This freedom and trust in the digital health system encourages individuals to take control of their healthcare decisions.

3. Ensures Compliance with Legal Frameworks: The management of consent enables the ABHA platform to comply with legal requirements under the Personal Data Protection Bill (PDPB), and Health Data Privacy Laws. These laws mandate that personal data must be processed lawfully, transparently, and only with explicit consent from an individual. Hence, consent management plays a significant role in the ABHA's compliance with these legal standards.

4. Effortless Data Sharing: The management of consent allows the seamless exchange of data between multiple providers with the patient's consent. This facilitates healthcare providers to get information relevant to the patient's history, diagnostic reports and treatment records. The result is improved quality of care with reduced risks associated with fragmented health records.

5. Maintains transparency and accountability: Consent management ensures patient health data is handled transparently. This allows individuals to see who accessed their data and for what purpose. This aspect fosters a sense of responsibility, promising that parties accessing data are using it as per the patient’s preference.

 

How Consent Management Works in ABHA

 

The ABHA platform includes the following key components to facilitate effective consent management:

1. User Registration and Identity Verification: The consent management process is initiated when an individual register for an ABHA account. This process includes identity verification to confirm that the individual’s health data is linked to their unique health ID.

2. Consent Requests: Any healthcare service provider, diagnostic center, pharmacy or other such individual can seek to access any patient's health data. The request will come through the ABHA platform and an explicit request will be sent to the subject for consent.

3. Granular Control: ABHA permits granular control over the particular data that an individual is willing to share. The system allows individuals to share data on a case-by-case basis. For instance, an individual might share their diagnostic reports but refuse to share their treatment history.

4. Revoke Consent: One of the primary features of consent management in ABHA is that consent can be revoked at any time. If a patient does not want a healthcare provider to access his/her data, he/she can revoke consent easily through the ABHA portal.

5. Audit Trails: The ABHA system preserves a comprehensive audit trail for all consent-related activities, encompassing consent requests, approvals, and revocations. This meticulous record enhances transparency for both patients and healthcare providers, ensuring that every action taken regarding the patient's data is thoroughly documented.

 

Challenges in Consent Management

 

While the consent management of ABHA provides several advantages, its implementation has a few challenges too. Here are some of them:

1. User Awareness: For good consent management to work, individuals need to be aware of all their rights and responsibilities involved in their health data. Many users may not properly understand the implications of such data sharing and would not diligently manage their consent preferences accordingly.

2. Complexity in Consent Decisions: Sometimes, the patient will face complex decisions regarding data sharing. For instance, if several healthcare providers are requesting the same set of data, the patient will need to determine whether each request is necessary and relevant. This problem can be solved by streamlining the consent process and providing clear, understandable choices.

3. Interoperability and Technical Infrastructure: The success of consent management will depend heavily on how seamlessly diverse healthcare systems and platforms work together. It will be an ongoing challenge to ensure that ABHA stays compatible with all healthcare providers and systems yet upholds the highest data protection standards.

 

Conclusion

 

Consent management plays a key role in ABHA, safeguarding the privacy and security of an individual's health data. Consent management empowers individuals with control over access to and sharing of health information, thereby creating a sense of trust in the digital healthcare ecosystem.

 

FAQs

 

1. How to use Ayushman Bharat Health Account?

If a user's Aadhaar card is linked to their mobile number, then the user can generate the ABHA Health ID and verify it with the help of an OTP.

2. Is the ABHA card useful in private hospitals?

Yes, individuals can use the ABHA health card in both public and private hospitals that are registered under the Ayushman Bharat Yojana.

3. Is the ABHA app safe to use?

Yes. ABHA app is safe to use as no personal data is shared with any external parties without the user’s consent.

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