An E-Insurance Account (eIA) is a digital platform set up by the Insurance Regulatory and Development Authority of India (IRDAI) to help you manage all your insurance policies in one place. It stores policies like life, health, motor, and others in a secure digital format.
This means no more paperwork, less chance of losing or misplacing your policies, and you can access them anytime and anywhere with just a few clicks.
In this blog, we will explore everything about the E-Insurance Account
Key Features of an E-Insurance Account (eIA)
Secure Login
You get a unique login ID and password to safely access and manage your policies online.
No Repeated KYC
Since your KYC is already verified by the insurance repository, you don’t have to submit KYC documents every time you buy a new policy.
One Account Per Person
You can open only one e-insurance account in your name.
Store All Policies in One Place
Keep all your insurance policies—life, health, pension, and more—even from different insurers, in a single account.
Unique Account Number
Each eIA has a unique account number used for all communication and transactions.
Easy Policy Purchase
While buying a policy online, just mention your eIA number in the proposal form to receive the policy in digital format.
KYC Documents Required for Opening an E-Insurance Account
- Recent passport-size photo
- Cancelled cheque
- KYC documents
ID Proof: PAN Card, Voter ID, Aadhaar
DOB Proof: PAN, Ration Card, Domicile Certificate
Address Proof: DL, Ration Card, Aadhaar
Top 5 Benefits of an E-Insurance Account
Safety & Security
Your policies are stored digitally, protecting them from physical loss, damage, or theft. You can access them anytime, anywhere with just a few clicks.
One-Time KYC
No need to repeat KYC for every new policy. Just share your e-insurance account number, and your verified documents are already in place.
Convenience
Easily view policy details like coverage, premium due dates, and terms—no more digging through paperwork.
Free Premium Payments
Pay your premiums online directly through your account—skip long queues and manual processes.
Easy Policy Tracking
Get an annual statement listing all your policies in one place, making it simple to manage and monitor your coverage.
Steps to Open an E-Insurance Account?
To open an Electronic Insurance Account (eIA), you need to connect with an Insurance Repository (IR)—an organization authorized by IRDAI to maintain insurance policies in digital form.
Step 1:
Download the e-insurance account opening form from your preferred Insurance Repository:
- NSDL Insurance Repository
- Karvy Insurance Repository
- CAMS Insurance Repository
- CIRL Insurance Repository
Step 2:
Fill out the form and attach self-attested copies of your KYC documents (like ID proof and address proof).
Step 3:
Submit the form and documents to your chosen insurance repository.
Once submitted, your e-insurance account will be activated within 7 working days, and you can start managing your policies online.
Bottom Line
An E-Insurance Account in 2025 isn’t just a convenience—it’s a necessity. With growing digital adoption and a focus on secure, seamless experiences, managing your insurance digitally is the smart way forward.
If you haven’t opened your e-insurance account yet, now’s the perfect time. It’s simple, safe, and sets you up for a more organized financial future.
Stay protected. Stay digital. Simplify your insurance journey with an e-insurance account in 2025.
FAQs
Who can open an e-insurance account?
Any individual who holds or wishes to buy an insurance policy in India can open an eIA. The minimum age is generally 18 years.
Is it mandatory to open an e-insurance account to buy insurance?
No, it’s not mandatory, but it is highly recommended for convenience, safety, and ease of access.
Are there any charges to open an e-insurance account?
No, opening and maintaining an e-insurance account is completely free of cost.
How long does it take to activate my eIA?
Once documents are submitted, the account is usually activated within 7 working days
