Insurance Regulatory and Development Authority of India (IRDAI), has direct all insurers to get a unique Ayushman Bharat Health Account (ABHA) ID for new and existing policyholders.
In this scheme, the government will collect policyholders’ health-related information and store it under their unique ABHA IDs.
As the ABHA ID will help identify policyholders digitally, it will provide better healthcare benefits to all citizens.
IRDAI has ask insurers to provide a facility to capture 14-digit ABHA ID in the proposal form.
To generate Ayushman Bharat Health ID (ABHA ID), you can visit insurers’ websites and intermediaries (third-party administration or TPA) and obtain consent to access medical records via ABHA/ABDM (Ayushman Bharat Digital Mission).
As insurers are integrating the process, you can create a new ABHA account using Aadhaar.
How to Create Your ABHA ID Number?
Follow These Steps :
- Visit health government website or click HERE.
- Enter your Aadhaar card number or Use a Driving Licence for registration.
- Provide the OTP sent to a register mobile number for verification.
- A 14-digit Digital Health Card or ABHA will be generated immediately.
When an ABHA account is created successfully, you can use such ID to buy a new policy or provide it to your insurer at the time of renewal.
There are no eligibility criteria to obtain ABHA ID.
IRDAI said :
“It would be beneficial for the insurers to capture the ABHA number of policyholders if already existing or help create one for them after obtaining their consent.”
Points to Remember for Policyholders
Government will maintain records of individuals’ health-related information through ABHA IDs.
With the help of ABHA ID, you will not have to register at hospitals before getting treated.
This will speed up the hospitalisation and claims processes.
Also, you must note that all your health records will be store in the Ayushman Bharat Health Account.
For example, it will include details of surgeries, medical illnesses, tests, reports and many others.
It will enable insurers to access the comprehensive medical information of policyholders efficiently.
So, help them with speedy claims servicing, and also policyholders will not face any claim rejection at the time of hospitalisation due to any medical discrepancies.
IRDAI said :
“It would give insurers easy and timely access to a person’s medical information in a safe and paperless manner-even helping the individual with a transparent and speedy process of claim servicing.”
