What is an e-Insurance Account (eIA)?

eIA stands for "e-Insurance Account". This e-Insurance account gives policyholders access to their life insurance portfolio in a few clicks. 

Benefits of an eIA:

  • No more physical policy documents
  • View and manage all your life insurance policies under a single account
  • Changes in contact details get auto-updated in all your policies across all life insurers
  • Opening eIA is free

Insurance Regulatory and Development Authority (IRDA) has granted the Certificate of Registration to the following four entities to act as 'Insurance Repositories' that are authorized to open eIA.

  • NSDL Database Management Limited
  • Central Insurance Repository Limited
  • Karvy Insurance Repository Limited
  • CAMS Repository Services Limited


Step 1: Download eIA opening form of your preferred Insurance Repository from below links:

Step 2: Fill the form and attach self-attested copy of below mention required documents:

  • PAN
  • Address proof
  • Date of birth proof
  • Identification Proof

Step 3: Submit the forms along with self-attested documents to your nearest ICICI Prudential Branch

To locate the nearest branch click here.

Your account will be created within 7 days from the date of submission of the applitcation completed in all respects



  • What is an Insurance Repository?
    "Insurance Repository" is a company formed and registered under the Companies Act, 1956 (1 of 1956) and which has been granted a Certificate of Registration by IRDA 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.
  • What is the objective of an Insurance Repository?
    The objective of creating an Insurance Repository is 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. In addition, the repository acts as a single stop for several policy service requirements. The Insurance Repository system also brings about efficiency and transparency in the issuance and maintenance of insurance policies.
  • Can any individual/firm act as an Insurance Repository?
    No, only an entity that is registered under the Company's Act and who is granted a 'Certificate of Registration' by IRDA can act as an Insurance Repository.
  • Can Insurance Repositories sell/solicit insurance policy?
    No, Insurance repositories cannot sell/solicit insurance policies. They are authorized only to maintain the policies in electronic form and provide a service record of all insurance policies.
  • Who is an Approved Person (AP)?
    An Approved Person (AP) is a Point of Sale (PoS) appointed by the Insurance Repository and will be working on behalf of the Insurance Repository to extend the latter's services
  • What is an eIA application form? Where can it be obtained from?
    An eIA application form is one that is used by an individual to open an eIA with the Insurance Repository. This form would be available with an insurance company, the Insurance Repository or an AP.
  • What are the requirements to be completed for opening an eIA?
    An eIA holder or policyholder is required to fill the eIA form and submit the following documents to the office of the Insurance Repository or the insurance company or the authorised AP appointed by the Insurance Repository:
    1. Photo ID
    2. Recent passport size photograph
    3. Address proof
    4. Identification Proof
  • Can I open an e-Insurance account without having my own life or non-life policy ?
    Yes, an individual who is not having any insurance policy can open an eIA. After buying a policy, the policyholder can give a request for dematerialization to the Insurer or Insurance Repository or AP.
  • How many days does it take to open an eIA after all the necessary formalities are completed?
    An eIA will be opened within 7 days from the date of submission of the application completed in all respects. Once, an account is opened, a welcome kit with the details of how to operate the same would be sent to the applicant/eIA holder.


To apply for an eIA, download the application form of your preferred Insurance Repository provided below:

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