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)

What is ABHA, and why every Indian should have one?

The incorporation of technology into healthcare is changing how medical services are provided in today’s digital age. The Ayushman Bharat Digital Mission (ABDM) has introduced one such innovation in India, the ABHA (Ayushman Bharat Health Account), a unique digital health ID.

Read More

ABHA aims to change how healthcare operates by making it possible to access personal health records easily and securely. So, what is ABHA, and why is it important for every Indian? Let’s explore.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

What is ABHA?

The ABDM initiative issues ABHA, a 12-digit unique health ID, to individuals. It is a digital personal health record repository for storing and managing personal health records in a secure format. This platform serves as an ecosystem bringing together patients, healthcare providers, and other stakeholders in a centralized manner to facilitate better healthcare delivery and decision-making.

ABHA simplifies healthcare access by integrating services such as doctor consultations, laboratory reports, and hospital records into one system. It takes out the need to carry physical files and greatly reduces the risk of important health information going missing.
 

Key Features of ABHA

  • Digital Health Records
    ABHA allows people to store and access their medical history, lab test results, prescriptions, and diagnoses from any healthcare provider in the country.
  • Consent-Based Sharing
    Your health records are private and secure. Sharing is enabled only with your explicit consent, ensuring confidentiality.
  • Interoperability
    ABHA brings together healthcare services from different providers, hospitals, and clinics to give you access to medical records wherever you go.
  • Self-Managed Portal
    Users can access their health account through a user-friendly interface and manage their health account.
  • Free and Voluntary
    All Indian citizens can use ABHA for free and it is completely voluntary. It takes you only a few minutes to create your ID online.
     

Why Should Every Indian Have an ABHA?

  • Seamless Access to Health Records
    It’s inconvenient and error-prone to carry paper medical records to doctor visits or hospitalizations. ABHA makes sure all your health data is stored digitally and can be retrieved instantly when required.
  • Improved Continuity of Care
    By having a centralized repository of health information, ABHA helps healthcare providers access your medical history for accurate diagnoses and personalized treatment plans.
  • Time and Cost Efficiency
    Eliminating repetitive diagnostic tests and unnecessary procedures saves time and reduces medical expenses. It gives quick access to existing records, so you don’t have to duplicate records.
  • Enhanced Privacy and Security
    Unlike traditional methods, ABHA provides data security through encryption and a consent-based sharing mechanism. You decide who can see your records.
  • Portability Across India
    Your health records are available across India; whether you move to another state or consult a specialist in a different city, you don’t have to worry about your health care being compromised.
  • Promotes Preventive Healthcare
    Health data allows regular access, which enables individuals, as well as their healthcare providers, to track wellness and detect early warning signs that could lead to preventative measures.
     

How to Create Your ABHA ID?

Creating an ABHA ID is simple and can be done online:

  • Visit the Official Website or App
    Access the Ayushman Bharat Digital Mission portal or download the ABDM app.
  • Provide Basic Details
    You can verify your identity by entering your Aadhaar number, mobile number, or driving license.
  • Generate ABHA Number
    A unique 12-digit health ID is created once verified. You can also link your health ID with Aadhaar for easy access.
  • Download and Save
    Download your ABHA ID card and keep it safe for future use.
     

Success stories of ABHA

ABHA has already demonstrated great potential to transform healthcare access in India. Many beneficiaries under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) have reported smoother claim processes and better care coordination due to their health IDs.

For example, patients in remote areas who used to have to carry incomplete records can now have all their information at their fingertips with a single ID. Doctors can also give more accurate treatment with a complete picture of a patient’s medical history.
 

The Road Ahead

ABHA has great potential, but the success of the system depends on widespread adoption and strong digital infrastructure. Educating citizens about its benefits and ensuring data privacy remain key challenges.
 

Conclusion

ABHA is more than just a health ID; it’s a gateway to modern, efficient, and accessible healthcare. In a country as diverse and vast as India, the probability of bridging the gap between the patients and the providers is much higher. With ABHA, people can take control of their health journey and help build a digitally empowered nation.

Convenient, secure, and connected healthcare is a right of every Indian. This vision is closer than ever with ABHA. Don’t wait; get your ABHA ID today and start your healthier future.

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