Ayushman Bharat Health Account: A Revolutionary Healthcare Scheme For All Indians

The Government of India has launched ABHA as a part of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana

Ayushman Bharat Digital Mission

Source : Bajaj Finserv

India's healthcare industry has been going through a major shift since the introduction of the Ayushman Bharat Digital Mission, or ABDM. This initiative plans to create a robust healthcare infrastructure that will bridge the gap among the different healthcare stakeholders within the ecosystem in the country through digitization. Under the ABDM initiative, every Indian citizen can create an ABHA card or an Ayushman Bharat Health Account. This 14-digit unique health ID will help citizens maintain their health records digitally. They can access their records anywhere, anytime, and share them with a healthcare professional with consent.  

In short, the ABHA card will revolutionize the healthcare system in India. The Indian Government launched ABHA as a part PMJAY or of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, to secure the poor and vulnerable sections of society with financial assistance against medical emergencies. The scheme aims to promote financial inclusion, empowering citizens and their families to take charge of their healthcare needs. The ABHA card scheme has numerous benefits for Indian citizens. Firstly, it aims to make healthcare affordable and accessible for all, especially the poor and vulnerable. The scheme also ensures that families do not have to face catastrophic financial burdens due to healthcare expenses, thus improving their financial stability. Additionally, the scheme promotes financial literacy and inclusion by encouraging families to save and plan for their healthcare needs.

The ABHA card also helps reduce the burden on government hospitals and improve the quality of healthcare services. With more people accessing affordable healthcare services, the burden on government hospitals reduces, he wait time for treatment is reduced and at the same time, the quality of care improves. The scheme also encourages the private sector to invest in the healthcare industry, thus creating more job opportunities.

ABHA card aims to focus on regular or preventive healthcare, primary care, and comprehensive health coverage for every Indian citizen, promoting wellness, reducing out-of-pocket health expenditure, and providing financial security in medical exigencies. The ABHA ID or number offers security when in need, and the account holder can use the funds for treatment expenses without draining their savings. With an ABHA account, one can avail cashless medical transactions, which makes it convenient for patients to pay their medical bills. Contributions to ABHA are eligible for tax deductions under section 80D of the Income Tax Act. The ABHA card is portable and has no expiry date. Having an ABHA number also provides transparency in health transactions as every individual can track their medical expenditures with details of their medicines, treatments, and procedures.  

Overall, ABHA can revolutionize the Indian healthcare ecosystem, significantly impacting and improving health outcomes for Indian citizens.

An Ayushman Bharat Health Account can be created on the Bajaj Finserv Health platform hassle-free. It is one of 40 NHA-recognized platforms to help create the ABHA ID. The process is very simple. To begin, visit the Bajaj Finserv Health website (www.bajajfinservhealth.in) and go to the "Ayushman Bharat Health Account" option. 

Once you enter your Aadhaar number, you can create your ABHA account. Please enter your full name, age, contact numbers, address, etc., to complete your registration. You can also sign up for ABHA card using your mobile number on Bajaj Finserv Health platform. As a patient, you can easily link your information via Bajaj Health platform as well.

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