Ayushman Bharat Health Account Card vs. Health Insurance: Which one to choose?

The Ayushman Bharat Health Account Card is often compared with health insurance plans in India. While both offer financial protection against healthcare expenses, there are some significant differences between the two. Here are some factors to consider when choosing between the Ayushman Bharat Health Account Card and health insurance:

1. Coverage: The Ayushman Bharat Health Account Card provides coverage for up to Rs. 5 lakh per family per year, while health insurance plans provide coverage based on the premium paid by the policyholder. The coverage under health insurance plans may be higher or lower than the Ayushman Bharat Health Account Card.
2. Premium: The Ayushman Bharat Health Account Card does not require any premium payment, as it is a government-funded scheme. Health insurance plans, on the other hand, require the policyholder to pay a premium, which may vary based on factors such as age, medical history, and sum assured.
3. Eligibility: The Ayushman Bharat Health Account Card is available to eligible beneficiaries based on their socio-economic status and other criteria, while health insurance plans are available to anyone who can afford to pay the premium.
4. Cashless services: Both the Ayushman Bharat Health Account Card and health insurance plans offer cashless healthcare services. However, the empanelled hospitals and medical centers may differ for the two schemes.

Ayushman Bharat Health Account Card: A Step towards Universal Health Coverage

The ABHA Health ID Card is a significant step towards achieving universal health coverage in India. Universal health coverage refers to ensuring that all people have access to essential healthcare services without suffering financial hardships. The Ayushman Bharat Health Account Card aims to achieve this by providing financial protection against catastrophic healthcare expenses to vulnerable families.

The AB-PMJAY scheme has already provided healthcare services to millions of beneficiaries across India, and the Ayushman Bharat Health Account Card has played a crucial role in this. The scheme has also led to the creation of new healthcare infrastructure and the expansion of existing facilities, which has improved access to healthcare services in rural and remote areas.

Impact of Ayushman Bharat Health Account Card on Healthcare in India

The Ayushman Bharat Health Account Card has had a significant impact on healthcare in India. Here are some of the key benefits:

• The Ayushman Bharat Health Account Card has increased access to healthcare services for India’s most needy families. It has given people access to cashless healthcare services, lowering out-of-pocket spending and financial challenges.
• Beneficiaries’ healthcare costs have been reduced as a result of the AB-PMJAY scheme. This has allowed people to preserve money for other necessities such as schooling, food, and shelter.
• This initiative has resulted in the establishment of new healthcare infrastructure, such as hospitals and medical facilities. Access to healthcare services in rural and distant locations has improved as a result.
• The Ayushman Bharat Health Account Card is a big step forward in India’s pursuit of universal health care. It seeks to ensure that all people have equitable access to critical healthcare services.

How to download and register for Ayushman Bharat Health Account Card App?

The ABHA app provides a digital platform for citizens to easily access their health accounts and pay medical bills. This post will walk you through the process of downloading and registering for the Ayushman Bharat Health Account Card App.

Step 1: Download the Ayushman Bharat Health Account Card App from the Google Play Store or Apple App Store.

Step 2: Open the app and click on the “Register” button.

Step 3: Enter your mobile number and click on “Generate OTP.” You will receive a One Time Password (OTP) on your registered mobile number.

Step 4: Enter the OTP and click on “Verify.”

Step 5: Now, enter your personal details such as name, date of birth, gender, and address.

Step 6: Set a password for your account and click on “Register.”

Step 7: Congratulations! You have successfully registered on the Ayushman Bharat Health Account Card App. You can now access your health account and make medical expenses without any hassle.

How to use Ayushman Bharat Health Account Card App for medical expenses?

Now we will guide you on how to use the Ayushman Bharat Health Account Card App for medical expenses:

Step 1: Open the Ayushman Bharat Health Account Card App on your smartphone.

Step 2: Click on the “Medical Expenses” tab.

Step 3: Select the service provider from the list of empanelled hospitals, pharmacies, and diagnostic centers.

Step 4: Enter the details of the service required, such as the name of the treatment, diagnosis, or medication.

Step 5: Enter the amount of the service required.

Step 6: Click on “Proceed to Pay.”

Step 7: Enter the OTP received on your registered mobile number and click on “Verify.”

Step 8: Now you have successfully made the medical expense using the Ayushman Bharat Health Account Card App.