Is an eIA account mandatory?

No, having an eIA account is not mandatory, but it is recommended as it provides convenience and safety for policy records.

What is 10 e insurance?

10 e insurance usually refers to a scheme where multiple insurance products are digitised and stored under one account for easy access.

What is the full name of ERS insurance?

The full form of ERS insurance is Electronic Repository System insurance.

How to get an e-insurance account number?

You can get an e-insurance account number by applying through insurance repositories like CAMSRep, NSDL, Karvy, or SHCIL, either online or by visiting their branch.

How do I check if I have an eIA account?

To check if you have an eIA account, contact your insurance company or repository with your registered mobile number and email ID for verification.

How to get an e-insurance account number?

You can get an e-insurance account number by applying through insurance repositories like CAMSRep, NSDL, Karvy, or SHCIL, either online or by visiting their branch.

How do I check if I have an eIA account?

To check if you have an eIA account, contact your insurance company or repository with your registered mobile number and email ID for verification.

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E-Insurance Account - How to Open e-Insurance Account Online

Q: What is an e-insurance account?

An e-insurance account (eIA) is an electronic account that helps you store all your insurance policies in one digital platform, making them easy to manage.

Diya Vig

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Updated: 20-08-2025 at 3:30 PM

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The Insurance Regulatory and Development Authority of India (IRDAI) has made it mandatory to hold new insurance policies in electronic format under the E-Insurance portal from April 1, 2024. Like shares and bonds held by investors in a demat account. So, what does this mean?

Overview

To simplify the new IRDAI mandate on electronic insurance, here’s an overview table that highlights the key aspects of the E-Insurance system.

Aspect	Details
E Insurance Account LIC	LIC policyholders can store and manage their policies digitally through an e-insurance account.
E Insurance Account number	A unique account number is assigned to every account holder to access policies securely.
Is e insurance Account mandatory?	Yes, from April 1, 2024, all new insurance policies must be held in e-format under IRDAI rules.
Open an E Insurance account	Individuals above 18 years can open an account by applying through an authorised insurance repository with valid KYC documents.
E Insurance portal	The official digital platform where policyholders can open accounts, convert old policies, and manage policies online.
E Insurance policy download	Policyholders can log in to the portal and download their insurance policies directly for easy access.

What Is An E-Insurance Account?

An e-insurance account number, or electronic insurance account, is an electronic platform that allows anyone to own an e-insurance account. And one can do so in a completely digital format. This allows you to buy insurance policies digitally and remotely as well. You can manage all your insurance policies when you open an e-insurance account.

This is of great convenience to the user and holder of an e-insurance account. Policyholders can access and manage their policies anytime and anywhere using the secure online portals.

It reduces the hassle of the extra paperwork that usually accompanies insurance policies. The digitalisation of insurance policies increases security and shields the owner from theft and loss.

Key Features Of An E-Insurance Account

There are several features of an e-insurance policy download that outline its goals. Some of the key features of having an E Insurance Account, LIC account are:

Digital storage: All insurance policies are stored in electronic form, which eliminates the hassles of maintaining heavy and bulky physical documents.
Single account: Policyholders can store policies from multiple insurance providers in a single e-insurance account conveniently.
Accessibility: The digital e-insurance account enables people to easily manage their accounts and carry out several functions.
Confidential: The e-insurance accounts are very secure and keep the details of the policyholder confidential.

Benefits Of An E-Insurance Account

The e-insurance account carries many benefits. Some of the major benefits are listed below in detail:

Convenient: Policyholders can easily manage their accounts from a unified platform from the comfort of their homes.
Unique Account Number: Each e-insurance account holder receives a unique account number or e-insurance account number to access their insurance policies and for identification purposes.
Easy premium payments: Policyholders can easily pay their premium payments through the platform.
Paperless: The digitised e-insurance account eliminates the hassles associated with the traditional paper record-keeping method.

Eligibility For Opening An E-Insurance Account

Interested individuals first need to ensure whether they fit the criteria or not for an e-insurance account number. The eligibility criteria are as follows:

Individuals should be above the legal age of 18.
Individuals should have a valid identity and address proof.

How To Convert Old Insurance Policies To An E-Insurance Account?

Individuals can convert their old insurance policies to an e-insurance account by following the steps mentioned below:

Step 1: Visit the E Insurance portal, the official portal of the National Insurance Policy Repository.

Step 2: Click on the ‘Convert Physical Policy to Digital’ option.

Step 3: Fill in the ‘EIA Opening Form’.

Step 4: Submit supporting documents.

Step 5: Click on ‘Apply’ after filling in all the details.

How Can You Open An E-Insurance Account?

Interested and eligible individuals can open an e-insurance account by following some straightforward steps mentioned below:

Step 1: Choose a certified insurance repository authorised by IRDAI.

Step 2: Fill out the prescribed application form and provide the necessary KYC documents.

Step 3: Upon verification, you will get a unique e-insurance account number, granting access to the digital platform.

Documents Needed

People need to submit some supporting documents to successfully open an e-insurance account. The list of documents is as follows:

Proof of identity, such as an Aadhaar card, Voter ID
Proof of address
Bank details
Passport-sized photograph

Conclusion

E-insurance policy download is a testament to the drive towards digital transformation in India. It allows easy and convenient management of insurance policies by the policyholders from the comfort of their homes.

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