What is an e-Insurance Account (eIA)?

It is an electronic account opened by a person with an insurance repository wherein the portfolios of insurance policies of a policyholder are held in an electronic form.

Benefits of an eIA


Data is maintained in electronic form


All policy details are available in one place.

Single point of service

Changes in contact details get auto-updated in all your policies

Opening eIA is free

How to open an eIA?

Insurance Regulatory and Development Authority of India (IRDAI) has granted the Certificate of Registration to the following four entities to act as ‘Insurance Repositories’ that are authorized to open eIA. You can open an e-insurance account with any of the following IRDAI registered Insurance Repositories.

The below list is subject to change from time to time

Step 1

Download eIA opening form of your preferred Insurance Repository from below links:

Name of the Insurance Repository Website Link
NSDL National Insurance Repository (NIR) www.nir.ndml.in
CDSL Insurance Repository Limited www.cirl.co.in
Karvy Insurance Repository Limited www.kinrep.com
CAMS Insurance Repository Services Limited www.camsrepository.com
Step 2

Fill the form and attach self-attested copy of below mention required documents

  • Proof of Identity such as PAN card, Voter ID, or Aadhaar card
  • Proof of address such as Driving License, Ration card, or Aadhaar card
  • Proof of date of Birth.
  • Cancelled cheque
Step 3

Submit e-Insurance Account Opening Form along with the KYC documents to the nearest office of Insurance Repository or Insurance company or authorized Approved Person (AP) appointed by Insurance Repository.

Step 4

Once an e-Insurance account is created, you will receive a welcome kit. A pin mailer shall be sent separately. Using the login credentials and PIN, you can access and start using your e-Insurance account.

Note: – We have created this page to provide assistance and information to our valuable customers/visitors regarding e-insurance accounts. For any assistance in opening an eIA account, please speak to your ARIBL service provider or contact eiaassistance@rathi.com

We are committed to providing you with the best possible service and will make every effort to address your concerns in a timely and helpful manner.

FAQs on e-Insurance account

What is Insurance Repository?
IRDAI has introduced the IR system to provide policyholders a facility to keep insurance policies in electronic form and to undertake changes, modifications and revisions in the insurance policy with speed and accuracy to bring about efficiency, transparency and cost reduction in the issuance and maintenance of insurance policies.
What is the objective of an Insurance Repository?
The objective of creating an insurance repository is to provide policyholders with a facility to keep insurance policies in electronic form and to undertake changes, modifications and revisions in the insurance policy with speed and accuracy.
What is an eIA (e-Insurance Account)?
eIA is an electronic account opened by a person with an insurance repository wherein the portfolio of insurance policies of policyholder is held in electronic form.
What is e-insurance policy?
e-insurance policy is a policy document which is an evident of insurance contract issued by an insurer digitally signed in accordance with the applicable provisions prescribed by law and issued in an electronic form directly to the policyholder or through the platform registered insurance repository
Do I need to pay for opening of an e-Insurance Account or on a periodic basis?
No e-Insurance Account is offered ‘free of cost’ to customers/applicants.
Can any individual open more than one e-Insurance Account with any Insurance Repository?
NO. As per the IRDAI guidelines, an individual cannot open multiple e-Insurance Accounts.
What are the requirements to be completed for opening an e-Insurance Account?
An e-Insurance Account holder or policyholder is required to a. Fill the e-Insurance Account form and b. Submit • Photo ID, • Recent passport size photograph, • Cancelled Cheque (In case of ECS/NEFT services for Insurance premium payment transaction) and • Address proof to the office of Insurance Repository or Insurance company or authorized Approved Person (AP) appointed by Insurance Repository.
Can I open an e-Insurance Account without having a life or non-life policy for my own self?
Yes, an individual who does not have any Insurance policy can open an e-Insurance Account. After buying a policy, the policyholder can give a request for dematerialization to the Insurer or Insurance Repository or Approved Person.
Can I convert my existing paper policies into electronic policies?
Yes, it is possible to convert the existing paper policies into electronic form. A service request may be made to the Insurance Repository or Insurer or the Approved person in this regard.
If I already have an e-Insurance Account, how do I buy a new policy in electronic form?
Once you have opened an e Insurance Account, to buy a new policy in electronic form, you just need to quote your unique e-Insurance Account number in your new insurance proposal form and make a request to issue policy in an electronic form.
Which are the Insurance policies that can be held in electronic form?
All Life insurance, Health insurance, General insurance & Annuity policies that are issued by registered insurance companies with IRDAI and who have signed up with the Insurance Repositories are eligible to be held in the electronic form.
How can I come to know that my policy is successfully credited into my eInsurance Account?
You will receive a confirmation mail and SMS on your registered e-mail id and mobile number.
What are all the details that will be available in the e-insurance Account?
A list of all policies that are credited will be available in the e-Insurance Account. For each policy, policy level details like the status, commencement, maturity/expiry, nomination, assignment, endorsement, address, terms and conditions etc., would be available. In addition, the e-Insurance Account holder will be able to download a copy of the policy bond.
What is the procedure to effect changes in my policy or e-Insurance Account? Should the request be made to the Insurance Company or Insurance Repository?
All requests in respect of either your e-Insurance Account or any of the electronic policies may be made to the Insurance Repository. However, requests in respect of the policies can also be made directly with the Insurer concerned. Upon request, the Insurance Repository would handle all servicing needs that fall within the scope of their services directly and would forward the others to the Insurer concerned. An update to the policyholder would be provided by the Insurance Repository on the status of the request in respect of all the requests that it receives.
What is the grievances redressal mechanism at Insurance Repository?
Every Insurance Repository will have a policyholders’ grievances cell to address the grievances in respect of repository services and electronic policies held by them.
Is it possible to opt out of the Insurance Repository system?
Yes, the policyholder shall make a request to his insurer and upon completion of all formalities in respect of the same, the hard copy of the policy document shall be made available.