Does ABHA Card Provide Free Treatment?
The Ayushman Bharat Health Account (ABHA) card is a digital initiative by the Government of India, which aims to create a centralised repository of individuals' health records. However, it is important to note that the ABHA card does not provide free medical treatment or insurance coverage. Its primary function is to digitally store and manage personal health information, facilitating seamless access to medical records across various healthcare providers.
What is the ABHA Card?
The ABHA card was launched as part of India's digital health mission. It serves as a unique health identifier for citizens. It assigns a 14-digit unique number to each individual, enabling the consolidation of their medical history, including past treatments, diagnoses, allergies, prescriptions, and more.
This digitalisation ensures that healthcare providers can get access to the accurate and comprehensive patient information they need, Thus, they can take proper and informed medical care.
Key Features of the ABHA Card
To understand how the ABHA card can help you, you need to know the features it offers:
1.Digital Health Records: The ABHA card allows users to store their medical histories electronically, eliminating the need for physical documents. This digital record includes details about past treatments, diagnoses, medications, allergies, and more. Therefore, it offers healthcare providers to have access to comprehensive patient information when needed.
2.Secure and Consent-Based Access: All health data linked to the ABHA card is encrypted, ensuring confidentiality and protection against unauthorised access. So, users can have control over who can access their health information, maintaining privacy and security.
3.Interoperability Across Healthcare Providers: The ABHA ecosystem helps in interoperability across various healthcare platforms and providers. Thus, patients can get access to their health records seamlessly at any hospital or clinic within the ABHA network.
4.Universal Accessibility: The ABHA card is accessible to all citizens across India, allowing individuals to access their health records from any location, and facilitating continuity of care even when consulting different healthcare providers.
How are ABHA Card and Ayushman Bharat Health Insurance Different?
It is crucial to differentiate between the ABHA card and the Ayushman Bharat health insurance scheme, commonly known as the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY).
● Ayushman Bharat Health Insurance (PM-JAY): This scheme provides health insurance coverage of up to Rs. 5 lakh per family per year for secondary and tertiary care hospitalisation. It targets economically vulnerable populations, offering them access to cashless and paperless medical services at empanelled public and private hospitals across India. Eligibility for this scheme is determined based on specific socio-economic criteria.
● ABHA Card: In contrast, the ABHA card does not offer any financial coverage for medical expenses. Its primary function is to serve as a digital health ID, facilitating the storage and sharing of health records electronically.
Therefore, possessing an ABHA card does not entitle an individual to free treatment under the Ayushman Bharat health insurance scheme. The ABHA card's role is centred around the digital management of health information, whereas the Ayushman Bharat insurance scheme focuses on providing financial assistance for healthcare services.
Benefits of the ABHA Card
While the ABHA card does not provide free medical treatment, it offers several advantages:
- Improved Health Management: With a digital record of past treatments, allergies, blood type, and medications, healthcare providers can make more informed decisions. The card helps avoid redundant tests and ensures doctors have access to vital information even if a patient forgets past health details.
- Time-Saving in Emergencies: During emergencies, quick access to medical history is critical. ABHA card's data provides essential information to emergency responders or doctors without any delay.
- Enhanced Privacy and Security: Your data is encrypted, ensuring confidentiality and protection from unauthorised access. Only you and authorised healthcare professionals can view your health information.
- Seamless Consultation: When visiting a new doctor or a different hospital, you no longer need to carry previous medical records. Doctors can directly view your ABHA card details to understand your health background, resulting in a faster and more effective consultation.
- Universal Health Account: Your ABHA card number remains the same across the country, making it easy to access health records no matter where you receive medical care.
The ABHA card is a significant step towards digitising healthcare in India. It offers individuals a platform to manage and share their health records seamlessly. However, it does not provide free medical treatment or function as an insurance card.
So, if you are seeking financial coverage for healthcare expenses, you should explore health insurance options, such as those offered under the Ayushman Bharat scheme.
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This FAQ page contains information for general purpose only and has no medical or legal advice. For any personalized advice, do refer company's policy documents or consult a licensed health insurance agent. T & C apply.