Insurance Repository is a facility to enable policy holders to convert their physical insurance policies across Life, Health and General into e-policies without worrying about misplacing the policy documents. Insurance Repositories, like Share Depositories or Mutual Fund Transfer Agencies, will hold electronic records of insurance policies issued to individuals and such policies are called “electronic policies” or “ePolicies”.

Only entities approved by Insurance Regulatory and Development Authority of India (IRDAI) can become an Insurance Repository. CAMS Insurance Repository Services Ltd. (CAMSRep) is an Insurance Repository approved by IRDAI.

e-Insurance Account is an unique 13 digit account number provided to the registered customer via SMS and/or email to login and manage their policies online with ease.

You can open an e-Insurance Account (eIA) for FREE with an Insurance Repository, and convert insurance policies into electronic mode, manage/view/download insurance policy documents online, download Statement of Accounts, etc. It is 100% secure, convenient, easy to store and retrieve especially during unforeseen circumstances for all policies under Life, Health and General insurance policies, all under a single account.

An individual can have only ONE eIA with any one of the approved Insurance Repositories.

Note: An eIA holder while applying for any insurance policies under Life, health or General policies must quote their eIA no. in the insurance application form, so that our customers can access the newly applied insurance policy by logging into CAMSRep e-Insurance account.

ID Proof:

• a.AADHAR CARD or
• b.PAN Card

Address Proof:

A copy of any one of the following documents should be submitted as proof of address; the original of the relevant address proof should be produced for verification by CAMSRep:

• 1. Ration Card
• 2. Passport
• 3. Aadhar letter
• 4. Voter ID card
• 5. Driving license
• 6. Bank Passbook (not more than 6 months old)
• 7. Verified copies of a) Electricity bills (not more than 6 months old), b) Residence Telephone bills (not more than 6 months old) and c) Registered Lease and License agreement / Agreement for sale.
• 8. Self‐declaration by High Court and Supreme Court judges, giving the new address in respect of their own accounts.
• 9. Identity card/document with address, issued by a. Central/State Government and its Departments, b. Statutory/Regulatory Authorities, c. Public Sector Undertakings, d. Scheduled Commercial Banks, e. Public Financial Institutions, f. Colleges affiliated to universities; and g. Professional Bodies such as ICAI, ICWAI, Bar Council etc. to their Members.

CAMSRep has launched Bima Central, a flagship platform where you can open and manage your e-Insurance Account for free. Click here to open your eIA account instantly.

or

Walk into any CAMS branches or contact CAMSRep Approved Person (AP).

To open an eIA, a person needs to necessarily have either a PAN or Aadhar number and undergo KYC Verification.

Once eIA is created, CAMSRep will send an SMS and/or email to applicant (through Bima Central) informing of creation of 13-digit eIA number. If email id is provided, the applicant will receive a welcome letter containing information on yout eIA.

An eIA account can be opened for a minor by his legal and natural guardian, who proposes the life of a minor for taking an insurance policy.

Yes, individuals can open eIA even if they do not hold any insurance policies currently. Later, when individuals want to buy policy (Life, health or general insurance) the eIA holder can mention the eIA number to the insurer, and the policy will directly be credited to your account.

CAMSRep has launched Bima Central platform to allow individuals to instantly create and open free e-Insurance Account. Individuals will have to Sign-Up to Bima Central (app/web) and on completion of KYC Verification, a 13-digit e-Account number will be generated and the eIA will be active with 24 business hours.

On opening the eIA, CAMSRep will inform the applicant about e-Insurance Account and further instructions through Bima Central/SMS/email.

Bima Central is the flagship platform by CAMSRep with the purpose of aggregating benefits from all your life, health, and motor insurance policies and delivering accessibility, convenience, and real-time servicing to policyholders across their insurance portfolio.

• Creating and managing free e-Insurance Account.
• Converting to e-Policy.
• Easy Renewals.
• Updating contact info/bank account details/ nominees.
• Appointing Authorized Representative.
• Downloading Statement of Accounts.
• Correcting discrepancies across policies (even self-declarations).

In addition to these benefits, Bima Central now enables a host of new upcoming features to realise policy benefits with –

• Easy Claims.
• Surrender.
• Maturity Payout.
• Loan against Policy.

Open your Bima Central account for free and manage your insurance portfolio to access all these benefits.

Single-Point-of-Service through Bima Central for all your policies related communications held in electronic form, across Insurers which includes:

• A welcome letter with full particulars of your eIA.
• Download Statement of Accounts with details of your existing policies including policy status, sum assured, maturity date, premium amount, etc.
• Download consolidated Statement of Holdings

eIA Account level changes – eIA Account level changes will be executed by CAMSRep through Bima Central (post KYC Verification). CAMSRep will then intimate the changes to all the respective Insurance Companies whose policies are held in that eIA, so that the changes are reflected across your policies, in one go (this eliminates the need for the policy holder to approach various insurance companies individually for the changes).

Policy Level Changes - In case of any changes at the policy level, CAMSRep though Bima Central will forward the request to the respective insurance company and ensure that the same is executed and reflected in the electronic policy held with CAMSRep. Any changes in email, mobile number, phone number or Authorized Representative, the eIA holder can update through Bima Central instantly.

No. As per IRDAI guidelines, an individual can have only ONE e-Insurance Account in any one Insurance Repository, irrespective of the number of policies owned by a policy holder. Thus, if a person has an eIA with CAMSRep, he CANNOT open another eIA either with CAMSRep or with any other Insurance Repository.

All Insurance Repositories have systems in place to check this before opening an eIA. Any application for a second or multiple eIA will be rejected by the Insurance Repository. All the electronic policies owned by a policy holder can be credited and be held under a single eIA.

Yes, Authorized Representative (AR) details can be easily changed online for all your insurance policies through your Bima Central Account. When an eIA holder adds an Authorized Representative, an initiation will be sent to the respective AR via SMS/email

An Authorized Representative is a trusted person appointed by eIA holder who can access eIA in the event of the eIA holder's demise or in his incapacity to access the eIA. The Authorized Representative is a facilitator and can only access the e- Insurance Account to know the portfolio of insurance policies and initiate the claims process for the nominees.

In case of demise of the eIA holder, Authorized representative can reach us out at 1800-200-7737 or info@camsrepository.com by producing documentary evidence regarding demise or incapacity of eIA holder to operate eIA. Upon verification, CAMSRep will issue login id and password to Authorized Representative, who will have read only access of eIA.

We request you to follow the instructions mentioned below:

1. Go to www.camsrepository.com or app.bimacentral.in.
2. Click on “Login”
3. Click on "Forgot Password" link
4. Submit your eIA no. and DOB 
5. Enter OTP sent to you mobile no./email id
6. Enter your new password and submit