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The Ayushman Bharat Health Account (ABHA) is part of the Ayushman Bharat Digital Mission (ABDM), which aims to create a digital healthcare ecosystem in India. An ABHA address acts as a secure digital identity that helps you access, manage, and share your health records with your consent. This article explains what an ABHA address is, its benefits, and how to create and use it.
In Summary
An ABHA address is a unique digital identifier linked to your ABHA number. It enables secure access to your digital health records, simplifies healthcare services, and allows you to share medical information safely with authorised healthcare providers.
Key Takeaways
- An ABHA address is linked to your 14-digit ABHA number.
- It helps securely access and manage digital health records.
- You can create an ABHA address using your mobile number, email ID, or ABHA number.
- It enables consent-based sharing of health records.
- An ABHA address is voluntary and free to create.
An ABHA address makes it easier to manage your digital health records, while health insurance helps cover medical expenses. Check premium to estimate the cost of a health insurance plan that suits your healthcare needs and budget.
What is ABHA address?
Through an ABHA or Ayushman Bharat Healthcare Account, individuals can store medical histories digitally, including reports, prescriptions, and insurance details. Access to these records requires a 14-digit ABHA number and address. With consent, data sharing is possible, offering control over health records anytime, anywhere, via registration with a consent manager.
An ABHA address is a personalised username linked to your Ayushman Bharat Health Account (ABHA). It acts as a secure digital identifier that allows you to access and manage your health records through the Ayushman Bharat Digital Mission (ABDM).
Every 14-digit ABHA number is automatically assigned a default ABHA address in the format 14-digit@sbx or 14-digit@abdm. It helps maintain data privacy while allowing users to securely access and share their medical records with consent.
Pro tip
Benefits of ABHA address
An ABHA address offers several benefits by making digital healthcare services more secure, accessible, and convenient.
Key benefits of an ABHA address
- Enhanced security: Provides a unique digital identity for secure access to healthcare data.
- Cost-efficient healthcare services: Simplifies access to healthcare schemes, insurance programmes, and public health services.
- Easy access: Helps users locate healthcare providers and access services with minimal paperwork.
- Digital medical data storage: Stores medical records digitally for anytime, anywhere access.
Top things to consider when buying a medical policy for senior citizens
Check for the following things before buying medical insurance for senior citizens:
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- Choose an adequate sum insured: Medical costs tend to increase with age. Select a policy with a sufficient sum insured to cover hospitalisation, surgeries, and long-term treatments without exhausting your coverage.
- Check the waiting period for pre-existing diseases: Many senior citizens have conditions like diabetes, hypertension, or heart disease. Choose a policy with a shorter waiting period so you can access coverage for these conditions sooner.
- Ensure coverage for age-related illnesses: Review whether the policy covers common age-related health conditions such as cataracts, arthritis, osteoporosis, kidney disorders, and heart-related ailments.
- Look for a lower co-payment clause: Some senior citizen health plans require you to pay a portion of the claim amount. Choosing a policy with a lower or no co-payment can help reduce your out-of-pocket expenses.
- Verify the cashless hospital network: Ensure the insurer has a wide network of cashless hospitals, especially those located near your home. This makes accessing treatment easier during medical emergencies.
- Review room rent limits: Policies with room rent restrictions may reduce the final claim payout if you choose a room above the allowed limit. Opting for a plan without room rent caps can help avoid such deductions.
- Check coverage for day care and modern treatments: Look for policies that cover day care procedures and advanced treatments such as robotic surgeries, laser procedures, and minimally invasive surgeries, which often do not require prolonged hospitalisation.
- Confirm pre- and post-hospitalisation coverage: A good policy should cover medical expenses incurred before hospital admission and after discharge, including diagnostic tests, medicines, and follow-up consultations.
- Look for annual health check-ups: Regular preventive health check-ups can help detect illnesses early. Many health insurance plans include complimentary annual health screenings as part of the policy benefits.
- Review the insurer's claim settlement record: Choose an insurer known for a smooth and reliable claim process. A good claim settlement record and responsive customer support can make a significant difference during emergencies.
- Choose a policy with lifetime renewability: Lifetime renewability allows you to continue your health insurance coverage regardless of age, ensuring uninterrupted financial protection in later years.
- Compare premiums with overall benefits: Don't choose a policy based only on the premium. Compare the coverage, exclusions, waiting periods, co-payment requirements, and additional benefits to find the best overall value.
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Policy renewability
Opt for a policy that offers lifetime renewability, as it ensures continuous coverage without age restrictions. Lifetime renewability is crucial for seniors, providing long-term health security and peace of mind.
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Policy inclusions and exclusions
Carefully review the policy's inclusions and exclusions. Look for coverage of common senior health issues and be aware of any exclusions, as these define the scope of medical support and prevent claim-related surprises.
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Enhancement of sum insured
Consider plans that offer a sum insured enhancement option, either annually or as a reward for claim-free years. This feature increases coverage over time, aligning with potential rising healthcare needs of seniors.
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Maximum age of entry
Check the maximum age of entry for the policy. Some plans allow enrollment up to 80 years or more, ensuring that even elderly seniors can secure health coverage.
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Cashless hospitals
Check the list of network hospitals where you can avail of cashless treatment. Insurance companies tie up with several hospitals across the country to offer cashless treatment facility. This enables you to get the treatment without worrying making immediate payment or arranging funds.
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Easy claim settlement process
You must know the entire claim settlement process of the insurance company. This will help you understand the efficacy of claim settlement, helping you avoid any hassle when raising a claim.
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Free health check-up facility
Most medical insurance policies for senior citizens offers free annual health check-up facility. This facility in mediclaim for senior citizens helps you to track the health record of senior citizens. It ensures you know about any occurrence of serious illnesses, so you get immediate medical attention.
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Waiting period for pre-existing diseases
Check the duration of the waiting period for pre-existing diseases. You can avail of the coverage only when the waiting period gets over. Hence, know the duration so your claims do not get rejected if made during the waiting period for the mentioned diseases.
By considering these factors you can choose a plan for your loved ones
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How to check ABHA address?
You can follow the steps given below to check ABHA address:
Step 1: Visit the official website of Ayushman Bharat Health Account (ABHA).
Step 2: Click on the ‘login’ option on the top right corner of the home page.
Step 3: Fill in your ABHA number in the required place.
Step 4: Provide the mobile number that is registered with your ABHA account.
Step 5: You will receive a system-generated OTP. Enter the OTP in the required place.
Step 6: After previewing the details given, click on the ‘Submit’ option.
Step 7: Now login to your ABHA account again and navigate to the ‘My Profile’ option to check your ABHA address.
Steps to create ABHA address
You can create a new ABHA address using either of the following three:
- Mobile number
- Email address
- ABHA number
Given below are the steps to follow to create ABHA address:
Step 1: Visit the official website (phr.abdm.gov.in/register).
Step 2: Select to register using your mobile number/ABHA card/email Id.
Step 3: Enter your mobile number/ABHA card/email Id. Also, enter the captcha.
Step 4: In case you opt for mobile number or email address, you will receive an OTP on the same. Enter the OTP and proceed further with filling in the application form.
Step 5: In the application form, enter your name, date of birth, gender, email Id, address, state, district, and PIN code. Also, select the terms and conditions to complete the registration process. Then click on ‘Submit.’
Step 6: Then your ABHA address is created.
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13 Jul 2025
I opted for the Health Infinity plan for my parents. The digital onboarding was incredibly fast with no medical tests required since they are under 50. We had a minor daycare procedure last month, and the cashless approval came through in less than 2 hours. Very impressed with the efficiency.
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15 Mar 2025
Switched my family floater to Bajaj General this year. The network of hospitals in my city (Pune) is excellent. The only downside was a slight delay in getting my physical card, but the digital copy on the app works everywhere. The 'Wellness Rewards' for hitting step goals is a cool touch!
How to link your ABHA number with an ABHA address?
You can permit the sharing of your health data only after registering for an ABHA address and linking your ABHA number with it. Hence, given below are a few easy steps to do the same:
Step 1: Visit the official website of the National Health Portal.
Step 2: Enter your ABHA number and password to log in.
Step 3: Navigate to the option called ‘Link ABHA Address’ located on the main page of the website and click on it.
Step 4: Fill in the required details as asked in the form.
Step 5: After previewing the details given click on ‘Submit’.
Possessing an ABHA card empowers you with increased authority over your healthcare journey. It grants access to diverse medical services, aiding in finding essential practitioners and facilitating the sharing of healthcare data. Thus, an ABHA address offers an enriched experience in managing your medical records effectively.
Conclusion
An ABHA address provides a secure and convenient way to access, manage, and share your digital health records. It simplifies healthcare services, reduces paperwork, and gives you greater control over your medical information. Creating and linking an ABHA address can help you make better use of India's digital healthcare ecosystem while keeping your health records organised and accessible.An ABHA address makes it easier to manage your digital health records, while health insurance helps cover medical expenses. Check premium to estimate the cost of a health insurance plan that suits your healthcare needs and budget.
| Related government scheme | ||
| Beneficiary NHA Portal For PMJAY | Central Govt Health Scheme | Ayushman Bharat Digital Mission |
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Frequently Asked Questions
Related Information About ABHA address
Is having an ABHA address mandatory?
No, obtaining an ABHA card is voluntary and not mandatory for all Indian citizens. However, individuals who opt for an ABHA card receive an ABHA address, serving as a unique identifier.
Is there any fee to create an ABHA address?
No, creating ABHA address is completely free of cost. You need not pay any charges to create ABHA address.
Is it possible to have multiple ABHA addresses?
Indian citizens obtaining an ABHA card are assigned only one ABHA number. However, if desired, you can create additional ABHA addresses, each of which must be linked to the single ABHA number allocated to you.
What if I misplace my ABHA number?
In the event of losing your ABHA number, you can recover it by logging into the Ayushman Bharat Healthcare Account (ABHA) official website using your registered mobile number and downloading your ABHA card from the portal.
What is the ABHA address of Ayushman Bharat?
The ABHA address of Ayushman Bharat is a unique digital identifier assigned to individuals to manage and share their healthcare data securely within the Ayushman Bharat Digital Mission, facilitating seamless access to health services and medical records.
What is the difference between ABHA address and ABHA number?
The ABHA number is a unique 14-digit identifier assigned to individuals for healthcare services under the Ayushman Bharat Digital Mission. The ABHA address, however, is a user-friendly digital ID (e.g., username@abdm) linked to the ABHA number, facilitating secure access and sharing of health records.
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