Indian Government launched Ayushman Bharat Health Account (ABHA) as part of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, or PMJAY, to improve healthcare infrastructure in India through digitization. The ABHA card scheme offers numerous benefits to Indian citizens, including making healthcare affordable and accessible for all, reducing the burden on government hospitals, promoting financial inclusion, reducing out-of-pocket expenses, and providing financial security in medical exigencies. The scheme encourages regular or preventive healthcare, primary care, and comprehensive health coverage for every Indian citizen. Contributions to ABHA are eligible for tax deductions under section 80D of the Income Tax Act. The ABHA card is portable, has no expiry date, and provides transparency in health transactions. The ABHA card will revolutionize the Indian healthcare ecosystem, significantly impacting and improving health outcomes for Indian citizens. To create an ABHA account, one can visit one of the 40 NHA-recognized platforms, including the Bajaj Finserv Health platform.
Ayushman Bharat Digital Mission to create a robust healthcare infrastructure
India’s healthcare industry has been undergoing a major shift since the introduction of the Ayushman Bharat Digital Mission, or ABDM. The mission aims to create a robust healthcare infrastructure that bridges 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 helps citizens maintain their health records digitally. They can access their records anywhere, anytime, and share them with a healthcare professional with consent.
Benefits of the ABHA card scheme
The ABHA card scheme offers several benefits to Indian citizens. Firstly, it aims to make healthcare affordable and accessible for all, especially the poor and vulnerable. Secondly, the scheme 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 helps reduce the burden on government hospitals and improve the quality of healthcare services. The scheme also encourages the private sector to invest in the healthcare industry, thus creating more job opportunities.
Features of the ABHA card
The ABHA card focuses 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.
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