Abha Card Benefits: Is Free Treatment of Rs 5 Lakh Included?

November 3, 2024 By: Naresh Saini

The Government of India introduced the Ayushman Bharat scheme in 2018, aiming to provide free treatment up to Rs 5 lakh for eligible citizens. The scheme uses the Ayushman Card, which grants access to cashless treatment at various government and private hospitals. But alongside the Ayushman Card, the government has also rolled out the Ayushman Bharat Health Account (Abha) Card. Many people wonder if this new card also offers the same insurance benefits as the Ayushman Card. Here’s a closer look at what the Abha Card offers and how it’s different from the Ayushman Card.

Is Free Treatment of Rs 5 Lakh Available with the Abha Card?

While the Ayushman Card provides free treatment up to Rs 5 lakh, the Abha Card does not offer this benefit. The Abha Card is part of India’s digital health initiative, designed primarily for maintaining and accessing health records digitally. Though it complements the Ayushman Card by creating a centralized digital health account, it does not serve as an insurance card for cashless treatment.

• Ayushman Card: Provides free treatment up to Rs 5 lakh at listed hospitals for eligible individuals.
• Abha Card: A digital health record card without insurance benefits, accessible to all citizens.

In short, the Abha Card’s purpose is to create a digital record of your medical history rather than to provide financial coverage for medical treatment.

What Exactly is the Abha Card?

The Abha Card, or Ayushman Bharat Health Account Card, serves as a unique digital health identity, allowing citizens to store and access their medical information online. With a unique 14-digit number similar to an Aadhaar number, the Abha Card keeps track of essential health information, including your medical history, allergies, prescriptions, and recent diagnoses.

Key features of the Abha Card include:

• Digital Health Record: Holds records of all past medical treatments, diagnoses, and ongoing medications.
• Easily Accessible Medical Data: Doctors and hospitals can access your medical history with ease, aiding quicker diagnosis and treatment.
• Secure Storage: Your health information is encrypted and securely stored, accessible only to authorized medical personnel with your consent.
• Universal Access: It works across India, allowing doctors to access records from any location.

By centralizing your health data, the Abha Card helps streamline medical consultations and ensures healthcare professionals have access to accurate, up-to-date information about your health.

How is the Abha Card Beneficial?

The Abha Card offers various advantages by making your health information available anytime, anywhere. Here are some of the key benefits:

1. 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 in avoiding redundant tests and ensures doctors have access to vital information even if a patient forgets past health details.
2. 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 delay.
3. Enhanced Privacy and Security: Your data is encrypted, ensuring confidentiality and protection from unauthorized access. Only you and authorized healthcare professionals can view your health information.
4. 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.
5. 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.

Differences Between Ayushman and Abha Cards

Feature	Ayushman Card	Abha Card
Purpose	Provides free treatment under Ayushman Bharat Yojana	Digital health record storage
Insurance Coverage	Yes, up to Rs 5 lakh	No
Eligibility	Based on income and other criteria	Available to all citizens
Access	Free treatment at Ayushman Bharat network hospitals	Accessible at any hospital nationwide
Data Stored	Treatment records related to Ayushman Bharat	Complete digital medical history
Unique Identifier	Ayushman Card number	14-digit Abha Card number

How to Apply for the Abha Card

Creating an Abha Card is straightforward, with the process designed to be quick and accessible to all citizens. Here’s how to apply:

1. Visit the Official Website: Go to the Ayushman Bharat Health Mission’s official website (https://healthid.ndhm.gov.in/).
2. Enter Aadhaar or Mobile Number: Start your application with your Aadhaar or mobile number, used to verify your identity.
3. Fill in Details: Provide basic information such as name, age, and address.
4. Create a Unique ID: Once the verification is complete, you’ll be assigned a unique 14-digit Abha Card number.
5. Download Your Abha Card: Your digital health card is ready, and you can print or download it for your records.

Once registered, you’ll have access to your health data anytime by logging into your Abha profile.

Who Should Consider Getting an Abha Card?

The Abha Card is beneficial for anyone who wants to maintain an organized, easily accessible digital record of their health history. It is especially useful for:

• Patients with Chronic Conditions: Those with ongoing health issues like diabetes, heart disease, or asthma benefit from having their treatment history readily available.
• Frequent Travelers: The card provides convenient access to health information across India, making it ideal for those who travel regularly.
• Elderly Individuals: Older adults who require consistent medical care can ensure their health records are easily accessible to doctors.
• Students and Young Adults: For young people who may relocate for work or study, having a centralized health record simplifies doctor visits in new locations.

The Abha Card helps build a comprehensive health profile, ensuring smoother and more informed medical care wherever you go.

Abha Card: A Step Forward in India’s Digital Health Transformation

The Abha Card is a vital part of India’s vision to create a connected and efficient healthcare system. Although it does not provide free medical treatment, its role in consolidating health records supports a more efficient and patient-centered approach to healthcare. The Abha Card simplifies consultations, especially in emergencies, and brings patients and doctors closer to a fully digital health experience.