An e-Insurance Account, or eIA, is a free account for holding eligible Insurance Policies in electronic form through an insurance repository. It gives you one place to find policy records and request certain services. Opening the account does not buy a new policy, change your cover, or replace the terms of an existing contract. If you already have a paper Life Policy, you can ask for it to be converted. Before you begin, locate your policy number, check that your contact details are current and confirm the repository’s latest process.
What is the difference between an eIA and an electronic policy?
An eIA is the account that holds policy records. An electronic policy is the digitally issued policy document. An insurer can issue an electronic document directly, while a registered repository can hold eligible policy records in an eIA. The insurer remains responsible for the insurance contract, benefits, and claims. Think of the account as a way to organise and retrieve documents.
A PDF saved in your email is useful, but it is not by itself proof that your policy has been credited to a repository account. Check the repository confirmation and policy details after a request is processed.
Which policies can an eIA hold?
IRDAI’s repository guidance covers eligible Life, Health, General Insurance, and Annuity Policies issued by registered insurers that participate with repositories. Eligibility and the path to credit a specific policy should be confirmed with the insurer or repository. An eIA can contain policies from more than one participating insurer. For a family with several policies, the value is easier document retrieval.
Keep a separate list of policy numbers, insurers, premium dates, and nominee details so a family member can identify each contract even if account access is temporarily unavailable.
How do you open an e-Insurance Account?
Choose a registered Insurance repository and use its current application channel, or ask your insurer whether it can help open the account. Complete the account form, provide the identity, and address details requested, and retain the acknowledgement. IRDAI says opening and maintaining an eIA is free. An individual may hold only one. Verify the selected repository’s registration and contact information before sharing documents. Never disclose a password or one-time code to someone offering to open an account for you.
How do you add an existing paper policy?
First open an eIA if you do not have one. Next, request conversion or dematerialisation from your insurer, repository or its authorised channel, quoting both the policy number and your eIA number. Submit the current form and supporting details they require. Finally, check the confirmation and review the credited policy record for errors.
Conversion concerns the form and custody of the policy record. It does not automatically alter the insured person, sum assured, beneficiary nomination, premium obligation, or exclusions. If your address or nominee needs changing, make the appropriate policy service request separately and keep proof of the updated endorsement.
What should you check after a policy is credited?
Compare the insurer name, policy number, policyholder, and insured person with your policy document. Check the status, key dates, and nominee information against the latest insurer records. If anything differs, raise a correction with the insurer and repository and keep the complaint or service-request reference. A repository account should make records easier to locate, but its display is not a substitute for reading the policy wording.
For a new policy, quote your existing eIA number on the proposal when requesting electronic issuance. IRDAI notes that confirmation of a successfully credited policy may be sent to the registered email address and mobile number. Keep these contact points current and verify that any notification corresponds to your own application.
Can you use an eIA for claims or premium payments?
The repository can help with policy access and some servicing records, while the insurer remains the point of contact for cover, premium dues, and claims under the contract. Features available through a particular repository may differ. Use the insurer’s verified servicing and claims channels when an urgent deadline applies. Do not assume that merely viewing a policy in the account makes a premium paid or a claim filed.
What if you cannot log in or a policy is missing?
Start with the repository’s official recovery process and check whether your registered mobile number or email has changed. For a missing policy, ask the insurer whether it has been issued electronically or credited to the eIA, and give the repository the policy number and service-request reference. Do not open a second account to work around a login problem because IRDAI’s guidance allows one eIA per individual.
If the insured person dies, the nominee should contact the insurer through its claims process and use available policy numbers and documents. The eIA may help locate records, but an authorised representative for account access is not necessarily the policy nominee. Check each policy’s nomination and keep family instructions up to date.
How can ABSLI policyholders start?
Aditya Birla Sun Life Insurance offers a customer-service page for opening an eInsurance Account. Its current page offers registered mobile, email and policy-number routes, with identity checks such as date of birth and a one-time password. Use the official servicing page and contact the company if registered details are outdated. This article describes a service facility, not a specific Life Insurance product.
September 23, 2026
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