In today’s fast-paced digital age, managing multiple insurance policies—life, health, or motor—can often feel overwhelming. Paper documents get misplaced, renewals are forgotten, and claim processes can become time-consuming. To eliminate these challenges and make insurance management effortless, Centrico Insurance Repository Limited (CIRL) offers a secure, government-approved digital solution — the IRDAI approved e-Insurance Account (eIA).

An Electronic Insurance Account (eIA) acts as your personal digital vault, where all your insurance policies are stored in one centralized, paperless, and secure platform. Whether you are an individual policyholder or managing family policies, CIRL ensures your insurance portfolio is available 24/7—accessible anytime, anywhere.

What is an e-Insurance Account (eIA)?

An IRDAI approved e-Insurance Account is an electronic account that allows policyholders to hold all their insurance policies in a single digital format. This initiative, regulated by the Insurance Regulatory and Development Authority of India (IRDAI), aims to simplify insurance servicing by reducing paperwork and ensuring instant access to policy information.

With an eIA, policyholders can easily store, track, and manage their life, health, and motor insurance policies under one secure login. It eliminates the need for physical copies and ensures all updates made by the insurance company reflect automatically in your digital account.

Why Choose CIRL for Your e-Insurance Account

CIRL is one of India’s trusted and licensed insurance repositories authorized by IRDAI. The organization provides a robust platform that ensures security, transparency, and ease of access for every policyholder.

Here’s why CIRL’s digital insurance services stand out:

  • Government & IRDAI Approved: CIRL operates under strict regulatory compliance.

  • Zero Account Charges: Opening and maintaining your account is completely free.

  • Secure Platform: With bank-grade encryption, two-factor authentication, and continuous monitoring, your data remains safe.

  • Seamless Policy Management: Add, update, or view policies effortlessly.

  • 24/7 Access: Manage your insurance anytime through the online portal.

Understanding e-Insurance Account Charges

Many people assume that maintaining a digital insurance repository involves hidden costs, but with CIRL, you can rest easy.

Opening your E Insurance Account charges are zero—there are no account opening fees, no maintenance fees, and no hidden charges. CIRL provides this service completely free of cost to promote paperless, digital insurance management in line with IRDAI’s “Digital India” initiative.

This means you can open, manage, and access your eIA account without worrying about any financial burden.

How to Open an Electronic Insurance Account

Creating your open electronic insurance account with CIRL is simple and completely paperless. The process is designed for convenience and can be completed in a few easy steps:

1. Fill in Your Basic Details

Start by entering your personal details such as name, date of birth, and contact information on the CIRL eIA portal.

2. Verify Your Contact Information

Validate your registered mobile number and email address through OTP verification to ensure secure communication.

3. Complete Your e-KYC Digitally

Your identity verification is done online using Aadhaar-based e-KYC. This ensures quick, secure, and paperless authentication without needing physical documentation.

4. Receive Your Unique eIA Number

Once verified, your unique Electronic Insurance Account (eIA) number will be generated instantly.

5. Link or Add Your Policies

You can now add insurance policy to existing eIA account easily. This includes life, health, and motor policies from multiple insurance companies—all under one account.

How to Add an Insurance Policy to an Existing eIA Account

Already have an eIA account? Adding new or existing policies to your repository is simple. CIRL provides a user-friendly interface that allows policyholders to upload, verify, and manage all their insurance policies seamlessly.

To add insurance policy to existing eIA account:

  1. Log in to your CIRL eIA portal using your registered credentials.

  2. Navigate to the “Add Policy” section.

  3. Enter your policy number, insurance company name, and other required details.

  4. The system verifies the policy and links it to your eIA instantly.

This centralized approach allows you to monitor all your insurance policies without juggling multiple documents or portals.

How to Do KYC for e-Insurance Account Remotely

CIRL’s platform makes the KYC process entirely digital and hassle-free. With remote verification, you can complete your KYC from anywhere without visiting any office or submitting physical copies.

Here’s how to do KYC for e-Insurance account account remotely:

  1. Start the e-KYC process during account registration or policy addition.

  2. Provide your Aadhaar number and consent for verification.

  3. The system securely connects to UIDAI for authentication.

  4. Once verified, your eIA account is automatically activated.

This digital process ensures security, accuracy, and convenience while adhering to IRDAI’s compliance standards.

Security and Privacy Measures

Your insurance data is one of your most valuable assets. CIRL ensures the highest level of data protection through:

  • Bank-Grade Encryption to safeguard all transactions.

  • Two-Factor Authentication (2FA) for secure account access.

  • Regular Audits to ensure compliance with data privacy regulations.

  • Continuous Monitoring to detect and prevent fraud.

Every user interaction on the CIRL portal is secured, making your digital insurance management experience both safe and trustworthy.

Benefits of Having an e-Insurance Account

  1. Centralized Management: Access all your life, health, and motor policies in one account.

  2. Paperless & Eco-Friendly: Reduce paperwork and contribute to a greener environment.

  3. Instant Updates: Any change in policy details by your insurer is reflected automatically.

  4. Nominee Convenience: Simplified claims process for beneficiaries.

  5. 24/7 Accessibility: Access your policies anytime, anywhere, through a mobile-friendly platform.

  6. Faster Claims & Renewals: Save time and reduce manual errors during claims or renewals.

Why CIRL is the Preferred Choice for Digital Insurance

CIRL’s vision is to empower every policyholder with a seamless digital experience. As a trusted insurance repository, the organization bridges the gap between insurers and customers, ensuring transparency, accessibility, and efficiency.

By providing a free, IRDAI-approved e-insurance account, CIRL promotes financial inclusion, digital transformation, and customer empowerment. Whether you are an individual, family, or business, managing your insurance portfolio has never been this easy.

Start Your Digital Insurance Journey Today

Experience the convenience of digital insurance management with Centrico Insurance Repository Limited (CIRL). Open your IRDAI approved e-Insurance Account today and enjoy a completely paperless, secure, and efficient way to handle your insurance policies.

With zero charges, remote KYC, and instant policy linking, CIRL makes insurance management simpler, smarter, and safer.

Visit CIRL’s Official Website to open your free e-Insurance Account now and take the first step toward a smarter, digital insurance future.