Managing multiple insurance policies can be challenging—keeping track of renewal dates, maintaining physical copies, and ensuring security can often feel overwhelming. Thankfully, Centrico Insurance Repository Limited (CIRL), an IRDAI-licensed insurance repository, offers a simple, secure, and free way to digitize your insurance portfolio through an Electronic Insurance Account (eIA).

In this comprehensive guide, we’ll cover:

• How to open an e-Insurance Account (eIA)

• The free e-Insurance account registration process

• How to add or link insurance policies to your existing eIA

• Documents required for eIA creation

• The benefits of managing your insurance digitally through CIRL

What is an Electronic Insurance Account (eIA)?

An Electronic Insurance Account (eIA) is a government-approved digital account that stores all your insurance policies—life, health, motor, and others—securely in one place. It is regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and managed by authorized repositories like Centrico Insurance Repository Limited (CIRL).

Instead of maintaining physical policy documents, you can access your entire portfolio online anytime, anywhere.

Key Features of an eIA

• Single Digital Account – Manage all your insurance policies under one account.

• Paperless & Secure – No more paper files; everything is digitally stored with encryption.

• 24/7 Accessibility – Access your policies online whenever you need them.

• IRDAI Approved – Operated by licensed insurance repositories ensuring authenticity.

• Automatic Updates – Any policy changes reflect instantly in your eIA.

• Nominee Accessibility – Simplifies claim settlement for your beneficiaries.

Why Should You Have an eIA?

Opening an e-Insurance Account comes with numerous benefits:

• No More Lost Documents – Your digital vault keeps everything secure.

• Hassle-Free Management – Track renewals, premiums, and coverage easily.

• Faster Claims – Nominees can quickly retrieve policy details.

• Eco-Friendly – Go paperless and contribute to sustainability.

• Free & Government-Approved – No hidden charges or maintenance fees.

Step-by-Step: How to Open an e-Insurance Account

The free e-Insurance account registration process with CIRL is designed to be simple, quick, and completely digital.

1. Fill Basic Details

Visit the CIRL website and navigate to the “Free SignUp” section. Enter your personal details like name, PAN, date of birth, and contact information.

2. Verify Contacts

You’ll receive an OTP on your registered email and mobile number. Verify both to ensure secure account setup.

3. Complete e-KYC

Authenticate your identity through Aadhaar-based e-KYC or digital document upload. This step ensures IRDAI compliance and account security.

4. Get eIA Number

After successful verification, your Electronic Insurance Account number will be generated. This is your unique identifier for all linked insurance policies.

5. Map Your Policies

Once your eIA is active, you can link or add your existing insurance policies to the account, regardless of the insurer.

Documents Needed for Opening eIA Account

To open your Electronic Insurance Account, keep the following documents ready:

• PAN Card – For identity verification.

• Aadhaar Card – For address proof and e-KYC.

• Recent Photograph – Passport-size photo for account records.

• Email ID & Mobile Number – For OTP verification and alerts.

• Bank Details (optional) – For premium payments or refunds.

All documents can be uploaded digitally through the CIRL portal.

Adding Insurance Policies to Existing eIA Account

If you already have an eIA account, you can easily add new insurance policies to it.

Here’s how:

1. Login to your existing CIRL eIA account.

2. Go to the “Map Policy” section.

3. Enter your policy number and select your insurance company from the dropdown list.

4. The system verifies your details with the insurer.

5. Once verified, the policy will appear in your digital vault instantly.

You can add multiple policies—life, health, or motor—under the same account.

Linking Insurance Policies to e-Insurance Account

Policy linking is one of the core benefits of an eIA. Whether you have an existing policy or just purchased a new one, linking it ensures seamless updates and transparency.

How to Link Policies:

• Provide your eIA number to your insurer at the time of purchasing a new policy.

• For existing policies, request your insurer or intermediary to link your policies with your CIRL eIA.

• The insurer will digitally send your policy data to the repository, and it will appear in your eIA dashboard automatically.

This eliminates paperwork and ensures real-time synchronization between your account and the insurance company.

Security and Privacy Features

CIRL ensures bank-grade encryption and two-factor authentication for all users. Some notable features include:

• Encrypted Transactions – All communication is SSL-protected.

• Access Controls – Only authorized users can view or modify data.

• Regular Audits – Continuous monitoring for data protection.

• Secure Mobile Access – Manage your policies safely from your smartphone.

Benefits of Managing Your eIA with CIRL

• Zero Charges – The account is completely free to open and maintain.

• Paperless Process – Say goodbye to document hassles.

• Instant Policy Conversion – Convert physical policies into digital form quickly.

• 24/7 Customer Support – Reach out via phone or email anytime.

• Government Recognition – CIRL is IRDAI-authorized, ensuring authenticity.

Additional Digital Services by CIRL

CIRL offers a range of digital insurance solutions under its Comprehensive Digital Insurance Services section:

1. Digital Policy Conversion

Transform your physical policies into a digital format for quick and secure access.

2. Online Policy Management

Update personal details, nominees, or address online without paperwork.

3. Instant Premium Payments via Bharat Connect

Make premium payments through UPI, Net Banking, or Credit/Debit Cards securely with instant receipts.

4. Smart Policy Insights (Merakal System)

Understand your coverage better with AI-powered analytics and expert advice.

5. Bima Bharosa System

Track and resolve grievances easily through the IRDAI Integrated Grievance Management System (Bima Bharosa).

Customer Support and Contact Information

For any queries or assistance, you can contact the CIRL Helpdesk:

📞 08065346210
📧 CIRLHELPDESK@CIRL.CO.IN
🕒 Mon–Fri, 10:00 AM – 6:00 PM (except public holidays)

Or Raise a Ticket through the CIRL Contact Page.

You can also follow CIRL on:

• Twitter

• Instagram

• Facebook

• LinkedIn

• YouTube

Final Thoughts

Opening a free e-Insurance Account with Centrico Insurance Repository Limited (CIRL) is a smart, secure, and government-approved way to manage all your insurance policies digitally. Whether you’re buying new insurance or already have multiple policies, linking them through an eIA ensures safety, convenience, and complete control over your financial protection.

So why wait? Visit the official CIRL Services Page and create your free e-Insurance Account today!