Minus/plus icon
ResourcesExplore the full ACKO experience and make the most of your plan
health plus

Create ABHA Card (Ayushman Bharat Health Account) Online

ABHA Card :Steps to Create, Retrieve & Download Ayushman Bharat Health Account. ABHA ID enables you to easily store health data in your sharable Ayushman Bharat Health Account.

Digital locker for health info
Digital locker
for health info
Easy access Anytime, anywhere
Easy access
Anytime, anywhere
Highly secure and private
Highly secure
and private

Create ABHA Health Card in less than 1 minute⚡

health plus

Create ABHA Health Card in less than 1 minute⚡


Home / Health Insurance / Articles / ABDM / ABHA Card (Ayushman Bharat Health Account)

Ayushman Bharat Health Account (ABHA), the upcoming digital revolution in India, is expected to be as transformative as the Unified Payments Interface (UPI). ABHA is spearheaded by the National Health Authority (NHA) and it offers a completely new, technology-driven approach to the current healthcare system in the country. Let’s take a deep dive into ABHA cards, how to register for ABHA, how to download ABHA card, benefits of ABHA, and much more.

ABHA Health Card: Overview
Jump Tag Icon

This groundbreaking initiative promotes healthcare accessibility and affordability for all Indian citizens. Here is a quick overview of the ABHA scheme.


ABHA Health Card

Launched On

September 27th, 2021

Launched by

Ministry of Health and Family Welfare

Application fee

Free of cost

Documents necessary

Aadhaar card/driving licence/pan card


ACKO App, NDHM Health Records


What is the meaning of ABHA?
Jump Tag Icon

Ayushman Bharat Health Account (ABHA) is a financial tool introduced under the Ayushman Bharat scheme by the Indian government. It is a specialised health account that is designed to provide convenience and hassle-free experiences while availing various healthcare services. Similar to Aadhaar, which offers a unified identification for Indian citizens, ABHA provides an Unified Health Interface where patients can share their medical histories seamlessly. Various other services like storing health insurance records, medication history, etc. are also available under ABHA.

What are the 4 main benefits of creating your ABHA ID?
Jump Tag Icon

Following are the benefits of creating an ABHA ID for yourself and your family.

Abha Card benefits(Store with Confidence)

Store with Confidence
Jump Tag Icon

Say goodbye to the hassle of managing piles of physical documents. With ABHA, you can store all your health-related documents – from hospital records to laboratory's diagnostics and health insurance claims details  – in one secure, digital personal health locker. Rest assured, your data remains confidential and accessible only to you.

Abha Card Benefits (Seamless Document Sharing)

Seamless Document Sharing
Jump Tag Icon

Need to share your health records with a healthcare provider or insurer? ABHA makes it easy! Simply provide your ABHA ID, and authorised parties can securely access your documents, saving you time and effort.

Abha card Benifits (Cashless claims approval)

Cashless Claims Approval
Jump Tag Icon

Waiting for insurance claims approval can be tedious. By linking your insurance policy to your ABHA ID, you can expedite the process. Hospitals can access your policy details swiftly, accelerating cashless claims approval and ensuring smooth healthcare experiences.

Abha card benefits: Unified Health Interface (UHI)

Unified Health Interface (UHI)
Jump Tag Icon

The UHI initiative is part of the government's plan to use technology to improve healthcare in India. It aims to solve problems like making healthcare easier to access, more affordable, and better quality. By bringing everything together on one platform, like ABHA, the UHI wants to fill in the gaps in the healthcare system and make sure patients are at the centre of their care.

Who should create an ABHA account?
Jump Tag Icon

If you resonate with any of the following scenarios, creating an ABHA account is a smart move.


The Early Bird Advantage
Jump Tag Icon

Are you already on the lookout for ABHA? Then you have the advantage of availing these services early on. This is because the authorities may soon make ABHA mandatory (just like your Aadhaar or PAN card).

Imagine if you can just walk into a hospital with your ABHA card, give access to your healthcare professional, and avail medical treatment. All your medical history, your health insurance details, treatment plans visible to them with a few clicks. No need to carry a file or remember your medical history. As hassle-free as that!


Embracing Digital Innovation
Jump Tag Icon

Are you intrigued by India's digital health future and eager to explore the latest features from ACKO, a digital leader in the insurance industry? Creating an ABHA ID is your ticket to experiencing cutting-edge digital healthcare solutions firsthand. This is particularly advantageous as major hospitals like AIIMS are already adopting ABHA as a mandatory requirement to avail healthcare.


Preparing for Future Benefits
Jump Tag Icon

Stay ahead of the curve by proactively creating your ABHA number. By doing so, you'll be well-prepared to reap the benefits that ABHA has to offer in the future, ensuring that you're not left behind in India's digital health revolution.


Integrated Hospital Experience
Jump Tag Icon

Is your hospital integrated with ABHA? By creating an ABHA ID, you can seamlessly receive your hospital documents through a Personal Health Record (PHR) app. It's a convenient way to stay organised and informed about your medical history and treatments.

Every Indian citizen stands to benefit from creating their ABHA account. Whether you're seeking immediate assistance, preparing for future benefits, embracing digital innovation, or enjoying an integrated hospital experience, ABHA offers a wealth of advantages for your health and well-being. Don't miss out on the opportunity to take control of your healthcare journey – create your ABHA account today.

ABHA Card and the Digital Health Mission
Jump Tag Icon

Ayushman Bharat Health Account (ABHA) contributes significantly to the Digital Health Mission in several ways:

ABHA Card and the Digital Health Mission(digital Registration)

Digital Registration
Jump Tag Icon

ABHA enables digital registration processes, giving people an option to register for the health account online. This drives the use of digital technologies for medical services and other transactions.

Abha card (health data management)

Health Data Management
Jump Tag Icon

ABHA provides a health management platform that can merge the health data of individuals through integration with digital health platforms. This integration provides for the secure storage and retrieval of medical records, hence, aiding in the easy access of patient information and facilitating the delivery of personalised health care.

Abha Card(Telemedicine and Remote Consultations)

Telemedicine and Remote Consultations
Jump Tag Icon

ABHA promotes telemedicine and remote consultations. You can pay for telehealth services online, which will allow them to visit virtual doctors, thereby improving the delivery of healthcare remotely.

Healthcare Access
Jump Tag Icon

ABHA helps to achieve the objective of Digital Health Mission by promoting affordability and accessibility to healthcare services via digital means which aim to provide quality healthcare to all. It helps to reduce the gaps that exist between people and healthcare providers, particularly in areas that are remote or with a shortage of healthcare providers.

Why choose ACKO for creating your ABHA account?
Jump Tag Icon

With ABHA, generating your unique health ID is a breeze. Simply follow the steps within the ACKO app, and in just a few taps, you'll have your ABHA ID ready. But what makes this process even smoother? That's where ACKO steps in.

ACKO isn't just any insurance company – it's your trusted partner, prioritising your needs above all else. We understand that your time is valuable, which is why we've streamlined the ABHA ID creation process within our app. Quick, intuitive, and secure – that's the ACKO way.

And it doesn't stop there. At ACKO, we're committed to providing you with the best digital experience for your healthcare. From hassle-free claims processing, round-the-clock support to other healthcare-related services that you need, we've got you covered every step of the way.

Steps to create ABHA ID from the ACKO App
Jump Tag Icon

Getting your ABHA Number through the ACKO App is a breeze! Follow these easy steps, and you'll have your ABHA account set up in just a few minutes. Here are the two ways in which you can create your ABHA account from ACKO.

Using the ACKO app
Jump Tag Icon

Following are the steps to create your ABHA account via the ACKO app.

Step 1

Step 2

Step 3

Go to your ACKO profile from the ACKO app and tap on “Your ABHA Cards”
Jump Tag Icon

Step to create abha card step 1


Verify the Aadhaar number and the phone number with the One Time Password (OTP).
Jump Tag Icon

steps to create abha card step 2 

If you have created ABHA cards already, you can now view and download them. If not, here is the final step to create a new ABHA card.

steps to create abha - step 2

Select a family member (you can also add members by tapping the ‘Add’ button), verify their Aadhaar number, and tap ‘Get ABHA card’
Jump Tag Icon

You can also invite your family members or friends to create their ABHA account. You must add a few details as shown in the following image and we will send them an invite.

App Home Page.svg

The ABHA card will be ready for download in a few seconds. Repeat the process for other members.

Through the ACKO website
Jump Tag Icon

Following are the steps to create your ABHA account via the ACKO website.

Step 1: You can use the widget to begin the registration process from the ACKO’s website. A widget or a form is similar to the following image:

Frame 1171275950 (5).svg

For faster access to your ABHA card, you can complete the remaining steps from the ACKO app. Please scroll up to Step 2 (app process) for completing the registration process.

Required Documents for ABHA Registration
Jump Tag Icon

The registration process of ABHA is one of the easiest. All you need is your Aadhaar number and a phone number for the purpose of verification. If you are creating your ABHA card through the ACKO app, then it’s even easier. It's not necessary that your ABHA number is linked to the Aadhaar card. You can use your current phone number for the purpose of verification.

ABDM Insights
Jump Tag Icon

Here are some key insights on Ayushman Bharat Digital Mission (ABDM).

Key Insights

ABHA Creation and Usage


Financial tool for healthcare savings and accessibility

Creation Method

Online registration process or through designated centres

Documentation Required

Offline: Identification proof, address proof, income proof, bank account details, passport-size photographs

Online: Aadhaar number, phone number

Integration with Health Insurance

Allows access to your health insurance coverage, enhancing financial security, flexible payment options, and streamlined claim settlement

Digital Health Mission

Contributes by promoting digital registration, transactions, health data management, telemedicine, and healthcare access


Enhanced financial security, comprehensive coverage, flexible payment options, streamlined claim settlement, improved healthcare access

Overall Impact

Facilitates affordability, accessibility, and efficiency in healthcare services, contributing to better health outcomes for citizens

The Future of Healthcare with ABHA Card
Jump Tag Icon

Here are some areas in the healthcare sector that will undergo a positive transformation because of ABHA.

  1. Enhanced Patient Empowerment and Engagement: With access to comprehensive health information and resources, patients become more empowered to actively participate in their healthcare decisions. The ABHA card fosters patient engagement through education, personalised health recommendations, and tools for self-management, leading to better health outcomes and patient satisfaction.

  2. Data-Driven Insights and Research: The aggregation of health data through the ABHA card enables the generation of valuable insights for healthcare research and public health initiatives. Researchers can analyse patient data to identify disease trends, assess treatment outcomes, and inform evidence-based healthcare policies and interventions.

  3. Improved Coordination of Care: With the ABHA card serving as a unified interface, healthcare providers gain access to comprehensive patient information, enabling better coordination of care across different specialties and healthcare settings. This facilitates a more holistic approach to treatment and enhances patient outcomes.

  4. Enhanced Telemedicine and Remote Monitoring: The ABHA card can facilitate telemedicine consultations and remote monitoring of health parameters. Patients can connect with healthcare professionals virtually, receive remote diagnosis and monitoring, and access necessary healthcare services from the comfort of their homes.

  5. Efficient Financial Management: By integrating health accounts, insurance policies, and payment options, the ABHA card streamlines financial management for both patients and healthcare providers. This reduces administrative burdens, minimises billing errors, and ensures transparent financial transactions within the healthcare ecosystem.

  6. Promotion of Preventive Healthcare: A unified health interface encourages proactive healthcare management and preventive measures. Patients can receive personalised health recommendations, track their wellness metrics, and access preventive care services, thereby reducing the incidence of chronic diseases and improving overall  health.

According to the Ministry of Health and Family Welfare in a memo signed by Manoj Goel, CGHS Director, the linking of CGHS beneficiary IDs with ABHA IDs is necessary under the Ayushman Bharat Digital Mission, effective from April 1, 2024. It is all about making things more smoother and well integrated for all participants in the health programs.

CGHS is a health insurance scheme for Central Government employees that offers a sum insured of up to Rs. 5 lakhs for medical expenses. Some procedures are as much as 80% cheaper under the CGHS as in the case of private hospitals. For example, the private hospital may charge for hip replacement surgery between ₹230,000 to ₹500,000 while the government hospital charges a total of ₹82,000 on an average. The beneficiaries must now link their CGHS ID with ABHA. 

At present, over 4.4 million individuals across 75 cities benefit from this program. However, the linkage of CGHS IDs with ABHA ID remains relatively low, with only 21,362 connections recorded as of April 2, as per data accessible through the CGHS dashboard. 

Here are the steps:

  1. Go to and click on ‘Beneficiaries’ > ‘Beneficiary login’.

  2. Enter beneficiary ID, password, and captcha and sign in

  3. Next, go to ‘Update’ > ‘Create/Link ABHA ID’ > 

‘I don’t have ABHA number’ if you don’t have an ABHA ID
‘Link Using ABHA Number’ if you have an ABHA ID

  1. Enter your Aadhaar Number and verify the same with an OTP.

  2. If all the information is entered correctly, the linking process will be successful and you can print your ABHA card.

The ABHA system offers a seamless way to digitally manage and exchange health records. With its distinctive 14-digit ABHA ID, users can effortlessly access features such as storing health data, managing insurance information, granting access to preferred healthcare providers, and beyond. This advancement marks a significant step in India's ongoing journey towards digital transformation in healthcare.

Frequently Asked Questions (FAQs)
Jump Tag Icon

Here are some common questions about ABHA Cards.


What is the ABHA card, and how does it differ from a traditional health ID?

The ABHA (Aadhaar-based Health ID) card is a digital health identification card. This type of identity card, which uses Aadhaar credentials to build up each person's secure and comprehensive health profile is one example. The ABHA card differs from the usual health ID in that a number of different health-related services and benefits are integrated within it, making access easier and more convenient.

Does ABHA card provide health insurance?

ABHA does not provide health insurance coverage. However, you can link your health insurance details to your ABHA account for easy access.

Can I get free treatment with ABHA card?

With the ABHA card, you may be eligible for free or subsidised treatment depending on your eligibility and the healthcare services covered under Ayushman Bharat Yojana. 

What is the difference between health insurance and Ayushman card?

Health insurance covers a range of medical expenses for individuals or families, while the Ayushman card, or ABHA card, is a government-sponsored healthcare service specifically aimed at providing a unified interface for sharing medical data.

What to do after creating ABHA card?

After creating your ABHA card, you can use it to avail of medical services at empaneled hospitals and healthcare facilities.

Is ABHA card compulsory?

ABHA card is not yet compulsory, however, the authorities may soon make it mandatory just like Aadhaar, or PAN card.

Can I opt out of ABHA card?

Yes, it is possible to delete your ABHA account, however, it is recommended that you continue availing the services for easy access to healthcare.

How to use ABHA health Card benefits?

To use the benefits of the ABHA health card, show it at empaneled hospitals or healthcare facilities when seeking medical treatment. The card will be used to access your medical records (with your permission) for creating a treatment plan faster.

Can we use ABHA card in private hospitals?

Yes, ABHA card can be used in private hospitals that are empaneled under the scheme.

Can we use ABHA card for free treatment?

The ABHA card may entitle you to free or subsidised treatment for eligible medical services as per the scheme's guidelines and coverage. However, it's essential to verify the specific benefits applicable to your situation.

How can I check the credentials of my healthcare provider using the ABHA card?

With the ABHA card, you can view and check on qualified registered medical professional names in the Healthcare Professional Registry (HPR). All you have to do is log in using your ABHA ID and navigate to the HPR, where simply search for healthcare providers by name or their area of specialisation.

Can I use my ABHA card to locate healthcare facilities nearby?

Yes, on the ABHA card attached to this is a Health Facility Registry (HFR) which lists all public and private health facilities in the country. With this feature, you can easily find nearby hospitals, clinics and specialised services.

Why should I download the ABHA card? What can it do for me?

After downloading the ABHA card, people can enjoy certain benefits. For example, there are discounts on medical services and specialised treatment packages that we hope will promote actively taking care of one's health. 

How does the ABHA card make it easier for new healthcare professionals to access medical records?

The ABHA card facilitates the easy exchange of medical records by allowing patients to show their digital health ID to new healthcare providers. This contains details about current health issues, previous medical interventions, recommended drugs, discharge summaries, and diagnostic data.

Is it possible to use the ABHA card for both conventional and alternative medical services?

Yes, the ABHA card provides an option for medical treatments provided by AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homoeopathy) doctors. The card gives users access to these alternative and complementary therapies.

Is it safe to share medical records with healthcare providers?

Yes, individuals have control over whether or not their sensitive information is shared when sharing health records via the ABHA card. To protect privacy and secure data, users have the flexibility to revoke or grant consent at any time.