Deepak Yohannan
MyInsuranceClub.com
At a time when everything is going digital, the introduction of the e-insurance accounts proves to be very useful. Insurance plans are already available online and that has made life a lot easier for us. And now, with the availability of a safe deposit account for all the plans that are bought, the world of insurance has gotten smaller, more convenient and definitely a lot more organized.
What is an e-insurance account?
An e-insurance account is an online repository system where you can electronically store all your insurance policies and maintain your insurance portfolio. The e-insurance account reduces a lot of paperwork and also keeps a tab on the policy renewal dates, surrender dates, etc.
How to open an e-insurance account?
The IRDA has licensed a few insurance repositories that can help you with the account opening process. To open an account you have to:
1. Visit the office of any one of the licensed repositories
2. Provide your PAN card or Adhaar Card, an address proof and a canceled cheque
3. Obtain a form and fill it out to complete the KYC verification process
4. Obtain a 13-digit unique account ID number and its password from the repository's office
What are the benefits of an e-insurance account?
There are many benefits of an e-insurance account. Some of them are:
• Protection – This is the greatest benefit of an e-insurance agent. Even if you are very careful about your insurance documents, you can end up losing them at times due to floods, fires, etc. So when you store the policies online, you end up with a lot of safety and the policy documents never get lost. In case the policyholder dies, the beneficiary can use his password and access the documents as well.
• Less paperwork – Whether you want to get your address changed on the policy documents or you want your phone number modified, you will not have to fill out any additional forms. All you have to do is update your e-insurance account information and the work will be done. Also, when you buy a new insurance plan, you do not have to get the KYC verification done again, since for one e-insurance account, one KYC verification is sufficient. His reduces a lot of paperwork and thereby makes it both convenient and economical.
• Easily serviced – If you have insurance policies from various insurance companies, you do not have to individually go to all their offices to get your policies serviced. You can use your e-insurance account to get all the servicing done from a single point.
• Ease of use – Since all your insurance policies (life, health, motor, etc) are stored in the same place, you do not have to go from one point to the other to access them. This saves you a lot of time and effort. You can also access all your policies and their details at any time of the day or the night and that too while sitting at home.
Digitalization has made life simpler for us and the introduction of the same in the world of insurance is proving to be a massive boon. So if you still haven't opened your e-insurance account, go ahead and do so right away. It will make your job a lot simpler and you will be in complete charge of your own insurance portfolio.
The author is the CEO of MyInsuranceClub.com, an online insurance price & features comparison portal.
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