What is a Digital Health Card in Health Insurance?

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A digital health card is a centralised digital repository of your health insurance identity. It provides an overview of your comprehensive medical history. These are of two types: Ayushman Bharat Digital Mission (ABDM) by the central government and those that are offered by private insurers.


This card is your digital shield and a structural bypass. It empowers you, as a policyholder, to manage your personal health information and access essential medical services without having to physically track your documents. Keep reading to know more.


What are the Key Features and Functions of a Digital Health Card?


Below are some of the key features and functions you should be aware of in your digital card:



  • Unique Identification: Your digital health card provides your unique identification. This ID is linked to your insurance policy and national health registries. You can avail the benefits of Ayushman Bharat with this ID.

  • Data Portability: It transforms your physical medical records, such as prescriptions, lab reports, and discharge summaries, into portable data. This portability feature makes it easier to store your data digitally and share it across hospitals and insurers.

  • Paperless Claims: You can use your digital health card at networked hospitals. With this feature, your ‘Permission Barrier’ is lowered to facilitate you with a faster verification and smoother cashless claim processing.

  • Privacy by Design: Your digital health card uses an encrypted platform and its ‘Privacy by Design’ feature to ensure that your most sensitive information is managed securely. You have complete control over who has access to your medical records.


Ultimately, a digital health card makes healthcare simpler and more organised by bringing all your records into one place. Instead of relying on paper documents, you can store and access your health information digitally, making it easier to manage and use when needed. It also helps you stay in control of your medical data while keeping it safe and accessible.