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An e-Insurance Account (eIA) is a secure digital account that allows you to store and manage multiple insurance policies in one place. It eliminates the need for physical policy documents, simplifies policy management, and makes it easier to access your insurance details whenever required.
In Summary
An e-Insurance Account (eIA) lets you store different insurance policies electronically in a single account. It simplifies policy management, reduces paperwork, streamlines KYC, and provides easy access to your insurance records through a secure digital platform.
Key Takeaways
- An eIA stores multiple insurance policies in one digital account.
- It eliminates the need to maintain physical policy documents.
- KYC is completed only once during account opening.
- Personal details can be updated through a single platform.
- It offers a secure and convenient way to manage insurance policies.
An e-Insurance Account helps you keep all your insurance policies organised in one place, making policy management simpler. As your healthcare needs change over time, Explore plans to find health insurance coverage that suits your needs and budget.
What is an e-Insurance Account (eIA)?
An e-Insurance Account (eIA) is a digital account that allows you to hold multiple insurance policies electronically. Approved by the Insurance Regulatory and Development Authority of India (IRDAI), it enables you to store life, health, motor, and other insurance policies in one secure account instead of maintaining physical copies.
An eIA also simplifies insurance management by requiring KYC only once during account opening. It allows you to update your personal details centrally and convert eligible paper policies into electronic form, making policy management easier and more convenient.
Pro tip
Benefits of opening an e-Insurance Account (eIA) in India
Opening an e-Insurance Account offers several advantages.
- Store multiple insurance policies in one secure digital account.
- Complete the KYC process only once while opening the account.
- Access all policy details through a consolidated insurance statement.
- Update contact and personal details from a single platform.
- Receive premium reminders for different insurance policies.
- Reduce the risk of losing or damaging physical policy documents.
- Enjoy a simple and paperless way to manage insurance policies.
What is an Insurance Repository (IR)?
An Insurance Repository (IR) is an organisation authorised by the Insurance Regulatory and Development Authority of India (IRDAI) to maintain insurance policies in electronic form. It provides a secure platform where policyholders can open an e-Insurance Account and manage multiple insurance policies digitally from a single location.
How to open e-Insurance Account?
Opening an e-Insurance Account (eIA) is a simple process. Follow these steps:
Step 1: Download the eIA application form from the Insurance Repository (IR) of your choice:
- NSDL Database Management Limited
- Central Insurance Repository Limited
- Karvy Insurance Repository Limited
- CAMS Repository Services Limited
Step 2: Fill in the application form and attach the required documents.
- Step 3: Submit the completed application form to your insurance provider.
Read more: What Is Bima Sugam by IRDAI?
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Reviews
Arjun Mehta
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.
Priya Sharma
28 Feb 2025
The Bajaj Finance Health app is a lifesaver. I use it for my regular OPD consultations and medicine orders. The 10% discount on pharmacy bills and the easy reimbursement for doctor visits make it much more than just a 'hospitalization' policy. It’s daily health support.
Sneha Kapoor
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!
Documents Required to Open an eIA (Electronic Insurance Account) in India
You need the following documents to open an e-Insurance Account:
- Recent passport-size photograph
- Proof of date of birth
- Proof of identity
- Address proof
Opening and maintaining an e-Insurance Account is free of cost. No charges are levied for creating or managing the account.
Conclusion
An e-Insurance Account (eIA) makes it easier to store and manage multiple insurance policies in one secure digital account. It simplifies policy management, reduces paperwork, and keeps your insurance records easily accessible whenever you need them. If you're planning to buy health insurance, Check premium to estimate the cost and find a plan that suits your healthcare needs and budget.
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Frequently Asked Questions
Eligibility and Entry Rules
Coverage and Benefits
What is e-policy?
An e-policy is the electronic version of an insurance policy stored in an e-Insurance Account. It allows you to securely access and manage your life, health, motor, and other insurance policies digitally without relying on physical documents. It also makes policy management more convenient and organised.
Is an e-insurance account mandatory?
No, an e-insurance account (eIA) is not mandatory for purchasing or renewing most insurance policies in India. However, having one offers several benefits and may be encouraged by insurers or regulators for easier policy management.
Which e-insurance account is ideal?
All IRDAI-authorised insurance repositories offer the same core services, such as storing policies electronically, processing service requests, and maintaining your e-insurance account free of charge.
Your choice can depend on convenience, digital experience, or the repository recommended by your insurer.
| Repository | Suitable for |
|---|---|
| NSDL Insurance Repository | Users looking for a well-established digital platform. |
| CAMS Repository Services (Bima Central) | Users who prefer a simple interface and mobile access. |
| Centrico Insurance Repository | Policyholders whose insurer is integrated with this repository. |
| Karvy Insurance Repository | Users looking for another IRDAI-authorised repository with standard eIA services. |
What are the benefits of having an e-insurance account?
Can I have multiple e-insurance accounts?
Yes, you can store multiple insurance policies, including health, life, motor, and other eligible policies, in a single e-Insurance Account. This eliminates the need to maintain separate physical documents and allows you to access all your policy details from one secure digital platform.
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Disclaimer
*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Co. Limited , Star Health & Allied Insurance Co. Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third-party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finance Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.
Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.