What is an Electronic Insurance Account (elA)?
Electronic Insurance Account (eIA) is a digital account that allows you to consolidate all your insurance policies (Life, Health, Vehicle, etc.) in one place, in electronic format.
Why do I need an Electronic Insurance Account (elA)?
The electronic insurance account simplifies management of your insurance policies from all Insurance Providers.
- Provides 24*7 access to all your insurance policy details across all insurers
- Keeps your insurance documents safe digitally, without any risk of loss or damage
- Helps your nominee to access all your insurance policies under one single account in times of need
- Helps in faster processing of policy-related services and claim processing
Also note that opening an e-IA is completely free of cost.
Where can I check my Electronic Insurance Account (elA) number?
You can access your eIA number easily on the ICICI Prudential Mobile App by following these 3 simple steps:
- Download/ login to the mobile app
- Go to the ‘My Profile’
- Under ‘Personal Details’ check your eIA number
A communication via email is also sent from ICICI Prudential Life Insurance mentioning your Electronic Insurance Account (eIA) number, once it is created.
How do I check if my policy is linked to an electronic insurance account?
All ICICI Prudential Life policies issued after July 2019 are credited to an electronic insurance account, as per guidelines. You will also receive a communication from your Insurance Repository and ICICI Prudential (if the policy is purchased from us), once your policy is credited to your eIA.
How can I create an electronic insurance account?
You can write to lifeline@iciciprulife.com or visit your nearest ICICI Prudential branch to create an electronic insurance account.
How do I link my insurance policies to my Electronic Insurance Account?
You can link your policies to your eIA through any of the below options:
- Log in to your Electronic Insurance Account and link your existing insurance policy with the account
- Visit your nearest ICICI Prudential Life branch to link your existing policies
- Write to lifeline@iciciprulife.com with details of your ICICI Prudential Life policy(ies) to be linked with your eIA, and we will raise a request with your Insurance Repository (IR)
You can also request your respective Insurance Repositories to add policies into your existing electronic insurance account.
Can I link policies from multiple insurers in one eIA?
Yes, you can link multiple policies held with different insurance companies in the same Electronic Insurance Account.
Can I convert my existing paper policies into electronic policies?
Yes, it is possible to convert the existing paper policies into electronic form. You can make a service request to the Insurance Repository or the insurance company from which the policy is purchased or the Approved person* in this regard.
* An Approved Person (AP) is a point of contact appointed by the Insurance Repository and will be working on behalf of the Insurance Repository to extend services to you.
Is it possible to shift from one Insurance Repository to the other?
Yes, as an electronic insurance account holder, you have an option to shift from one Insurance Repository to the other. All the policy details and transaction history would then be transferred to the new Insurance Repository. You can contact the respective repositories in case you want to change your Insurance Repository.
Can I have multiple electronic insurance accounts?
No, as per IRDAI guidelines individuals are allowed to have only one Electronic Insurance Account.
How can I get in touch with my Insurance Repository?
Contact details of your Insurance Repository will be available on their respective websites:
What is an Insurance Repository?
"Insurance Repository" is a company formed and registered under the Companies Act, 1956 and which has been granted a Certificate of Registration by Insurance Regulatory and Development Authority of India (IRDAI) for maintaining data of insurance policies in electronic form on behalf of the insurers. The Insurance Repositories provide the ease of holding insurance policies issued in an electronic form.
ICICI Prudential is associated with the following four insurance repositories that are authorised to open electronic-Insurance Account as per IRDAI
- NSDL Database Management Limited
- Central Insurance Repository Limited
- Karvy Insurance Repository Limited
- CAMS Repository Services Limited
