In today’s digital-first world, managing multiple insurance policies can be confusing and time-consuming. From remembering renewal dates to safely storing policy documents, traditional insurance management often leads to missed payments and misplaced papers. This is where an Electronic Insurance Account (eIA) comes in—an IRDAI-approved, government-backed solution that allows you to store, manage, and pay for all your insurance policies digitally in one secure place.

Centrico Insurance Repository Limited (CIRL) offers a free, secure, and paperless e-Insurance Account opening online, helping policyholders seamlessly manage life, health, and motor insurance while also enabling quick premium payments through Bharat Connect.

What Is an Electronic Insurance Account (eIA)?

An Electronic Insurance Account (eIA) is a centralized digital repository regulated by the Insurance Regulatory and Development Authority of India (IRDAI). It allows policyholders to hold all insurance policies—life, health, and motor—in electronic form under a single account.

With an eIA from CIRL, you no longer need to manage physical policy documents or juggle between multiple insurers’ portals. Everything is available 24/7 through a secure, mobile-friendly platform.

How to Open an E-Insurance Account Online

If you’re wondering how to open e-insurance account digitally, the process is simple, fast, and completely free with CIRL.

Step-by-Step e-Insurance Account Opening Online

1. Fill Basic Details
   Enter your personal information such as name, date of birth, and PAN.

2. Verify Contact Details
   Confirm your registered mobile number and email ID.

3. Complete e-KYC
   Finish the digital KYC process using Aadhaar-based verification.

4. Get Your eIA Number
   Receive a unique Electronic Insurance Account number.

5. Map Your Policies
   Link existing life, health, and motor insurance policies to your eIA.

That’s it! Your e insurance account opening online process is completed without any paperwork or charges.

Why You Should Open an e-Insurance Account with CIRL

Opening an eIA through CIRL comes with multiple benefits:

• Single Digital Account for all insurance policies

• Paperless & Secure with bank-grade encryption

• IRDAI-Approved & Government Authorized

• Zero Account Opening Charges & No Maintenance Fee

• 24/7 Access from anywhere

• Automatic Policy Updates shared with insurers

• Easy Nominee Access for faster claims

With these advantages, managing renewals, claims, and premium payments becomes effortless.

Pay Insurance Premiums Online Using Bharat Connect

Once your policies are linked to your eIA, you can also make premium payments digitally using Bharat Connect—CIRL’s secure premium payment platform.

Through Bharat Connect, policyholders can easily:

• Pay car insurance premium online

• Health insurance premium payment

• Renew bike insurance online

• LIC premium payment

• Pay ICICI Lombard motor insurance

All payments are processed through encrypted gateways with instant confirmation and auto-generated receipts.

Features of Bharat Connect Premium Payment Platform

Bharat Connect ensures fast, secure, and hassle-free transactions with multiple payment options:

Payment Methods

• UPI

• Net Banking

• Credit & Debit Cards

Key Benefits

• Instant payment confirmation

• Auto-receipt generation

• Complete payment history

• Built-in premium calculator

• Advanced fraud protection

This makes premium payments simple, transparent, and reliable—no matter which insurer you choose.

Digitize Your Existing Insurance Policies

Still holding physical policy documents? CIRL also offers Digital Policy Conversion, allowing you to transform paper-based insurance policies into a digital format.

Available Policy Types

• Life Insurance

• Health Insurance

• Motor Insurance

Digitization Process

1. Submit policy number and insurer details

2. Policy verification

3. Digital conversion

4. Access policies anytime, anywhere

This eco-friendly service ensures secure backup and quick access to all your insurance records.

Manage, Analyze, and Understand Your Insurance Policies

CIRL also partners with Insurance Samadhan to help policyholders understand their insurance policies better. Through smart policy analysis, you can review:

• Policy terms and coverage

• Claim process and exclusions

• Benefits and features

• Personalized expert advice

With bank-grade security, two-factor authentication, and regular audits, your data remains safe at all times.

Important Notice: eIA Account Is Completely Free

CIRL strongly advises policyholders to remember that e-Insurance Account creation is 100% FREE.
There are:

• No account opening charges

• No maintenance fees

• No hidden costs

Always use the official CIRL platform to avoid fraud.

Final Thoughts

Opening an eIA is no longer optional—it’s a smart move toward stress-free insurance management. Whether you want to understand how to open e-insurance account, complete e insurance account opening online, or conveniently pay car insurance premium online, health insurance premium payment, renew bike insurance online, LIC premium payment, or pay ICICI Lombard motor insurance, CIRL offers a secure, government-approved digital solution.

Take control of your insurance journey today with CIRL—simple, safe, and completely paperless.