CAMSRep IR FAQs

An Insurance Repository (IR) is a company licensed by the IRDA for maintaining data of insurance policies in electronic form on behalf of Insurers. An IR enables insurance policyholders to buy, pay the premium and keep insurance policies in a digital format.

Policyholder needs to open an eInsurance Account (eIA) with one of the Insurance Repositories to be able to buy and keep policies in electronic mode. An individual can have only one eIA with any one of the Insurance Repositories. Once an eIA is opened, the account holder can buy and keep all his electronic insurance policies – be it life, pension, motor, health or general - issued by various Insurers under this single account.

It is secure, convenient and less of paperwork. Know More

Instant eIA can be opened in less than 2-minutes using AADHAR CARD or PAN Card. Customer can start using their eIA right away when they sign-up.

In the case of unavailability of Aadhaar and Pan card documents customers can still open an eIA account with the below address proofs
i) Ration Card
ii) Passport
iii) Aadhaar letter
iv) Voter ID card
v) Driving license
vi) Bank Passbook (not more than 6 months old)
vii) Verified copies of Electricity bills (not more than 6 months old),
Residence Telephone bills (not more than 6 months old) and Registered Lease and License agreement/Agreement for sale.
1) Self‐declaration by High Court and Supreme Court judges, giving the new address in respect of their own accounts.
2) Identity card/document with address, issued by Central/State Government and its Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, Public Financial Institutions, Colleges affiliated to universities; and
Professional Bodies such as ICAI, ICWAI, Bar Council etc. to their Members.

CAMSRep will open an eInsurance Account within 2 business days from the date of receiving the eIA application form. On opening the eIA, CAMSRep will inform the applicant the of the eInsurance Account and usage instructions through email.

eInsurance Account is FREE to the policyholder – the policyholder does not have to pay anything to open an eInsurance Account.

CAMSRep Approved Person FAQs

Insurance Repository is a facility to help policy holders buy and keep insurance policies in electronic form, rather than as a paper document. 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”.

No, only entities approved by Insurance Regulatory and Development Authority (IRDAI) can become an Insurance Repository. CAMSRep – CAMS Insurance Repository Services Ltd. is an Insurance Repository approved by IRDAI.

Policy holder needs to open an eInsurance Account (eIA) with one of the Insurance Repositories to be able to buy and keep policies in electronic mode. An individual can have only one eIA with any one of the Insurance Repositories. Once an eIA is opened, the account holder can buy and keep all his electronic insurance policies be it life, pension, health or general issued by various Insurers under this single account. Each eIA will have a unique eInsurance Account number; the account holder should quote this number in all correspondence with CAMSRep. Each account holder will also get a unique Login ID and Password to access his account and electronic policy details online at

To open an eIA, a policy holder needs to fill out an account opening applicationform of CAMSRep along with the necessary supporting documents. Application Forms are available in all offices of CAMSRep and CAMS. They can also be downloaded from our website www.camsrepository.com (a policy holder can also fill out an application online at the website). A Policy Holder can also contact any Approved Person (AP) of CAMSRep for an application form. The Policy Holder can submit the signed eIA application form at any CAMSRep or CAMS office or at any of CAMSRep's APs. If a policy holder is applying to open an eIA at the time of buying a new Insurance Policy, it may be best to hand over the eIA form, along with the insurance proposal form, to the AP (who is also a Corporate Agent or Broker for that Insurer) or directly to the Insurance Company.
To open an eIA, a person needs to necessarily have either a PAN or Aadhar number. When accepting an eIA application, the AP should ensure that the customer provides copies of his/ her PAN or Aadhar, Address Proof and proof of date of birth, along with a passport size photograph. The AP needs to check the original of ID Proof (PAN or Aadhar) and address proof for verification (the list of acceptable address proof documents is given elsewhere)

ID Proof:
AADHAR CARD or 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 Electricity bills (not more than 6 months old),
Residence Telephone bills (not more than 6 months old) and
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 Central/State Government and its Departments,
Statutory/Regulatory Authorities,
Public Sector Undertakings,
Scheduled Commercial Banks,
Public Financial Institutions,
Colleges affiliated to universities; and
Professional Bodies such as ICAI, ICWAI, Bar Council etc. to their Members.

CAMSRep will open an eInsurance Account within 2 business days from the date ofreceiving the eIA application form. On opening the eIA, CAMSRep will inform the applicant the particulars of the eInsurance Account and usage instructions through email and by post.

CAMSRep will act as the Single Point of Service for all your policies held in electronic form, across Insurers.
On opening your eInsurance Account (eIA) with CAMSRep, you will get a Welcome Kit with full particulars of your eIA along with an User Guide through mail. The passwords (OTP1 and OTP2) for accessing your eIA details online at www.camsrepository.com will be sent to you separately through registered e mail and sms.
Once a year, a soft copy of your Statement of Insurance (SOI) with full details of all policies held under your eIA shall be sent to your registered email.
In addition, a SOI giving the details of all policies held by you shall be downloaded by you whenever you add a new ePolicy to your eInsurance Account or one of yourpolicies matures or is surrendered or is lapsed
You can also access your policy and eIA details by logging on to our website www.camsrepository.com and download a suite of reports and statements

If the changes are with respect to an account level detail like address, CAMSRep will execute the change after the necessary KYC verification, if any. CAMSRep will then intimate the changes to all the Insurance Companies whose policies are held in that eIA, so that the changes are effected in all the policies, in one go (so there is no need for the policy holder to approach the various insurance companiesindividually for the changes).
In case of any changes at the policy level, CAMSRep will forward the request to the respective insurance company and ensure that the same is executed and reflected in the electronic policy held with Casper. In case of changes in email, mobile number,phone number or Authorized Representative, the e-IA holder can himself/herself update through online.

No. IRDAI stipulates that an individual can have only ONE eInsurance Account across Repositories, irrespective of the number of policies owned by a policy holder thus, if a person has an eIA with CAMSRep, he CAN NOT open another eIA either with CAMSRep or with any other Insurance Repository. All 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 or held under this single eIA.

A policy holder who opens an eIA shall appoint an Authorized Representative (AR) who shall be entitled to access the account in the event of demise of the policy holder or in his/her incapacity to operate the eInsurance Account. The AR is entitled only to access the eIA so as to know the portfolio of insurance policies and the nominees of the respective policies held under that account. The Policy Holder can change the AR, at his/ her discretion, during the term of the eIA. The AR is different from a nominee and has only access rights to the eIA in the event of demise of the policy holder.

Yes, the e-Insurance account holder will have an option to shift from one Insurance Repository to the other. All the policy details and transaction history would then be transferred to the new Insurance repository

There are multiple benefits in holding insurance policies in electronic form under a single eInsurance Account (eIA). These benefits include:
a) Safety: There is no risk of loss or damage of a policy as may happen with paper policies; the electronic form ensures that the policies are in safe custody and can be easily accessed when needed.
b) Convenience: All insurance policies, be it life, pension, health or general, can be electronically held under a single eIA. This means all details of all policies are available in a single account (place). The details of any of the policies can be accessed at any time by logging on to the online portal of CAMS Insurance Repository (www.camsrepository.com). Premium for all the policies can be paid online and many service requests or complaints can be logged at this website.
c) Single Point of Service: All service requests in respect of eIA or any of the electronic policies held under the eIA can be submitted at any of CAMS Insurance Repository's service points there is no requirement to go to the offices of individual insurance companies for service.
d) Less Paper work: Policy holders having an eIA, when buying a new electronic insurance policy, do not have to go through KYC verification all over again, if there are no changes to the KYC details already recorded in eIA. Further, any changes to personaldetails like address or contact no, can be done with a single request to CAMS Insurance Repository. CAMSRep, in turn, will inform about the changes to all the insurance companies with whom the policy holder has electronic policies.
e) You can pay the premium online through CAMS Rep portal www.camsrepository.com for all your ePolicies. Currently this facility is available for ICICI Prudential Life Policies and going to extend this facility for other Insurance companies policies also.

The following types of insurance policies are eligible to be held in electronic form:
a) All individual life insurance policies including health and pension policies. Policies issued to groups by registered life insurance companies can also be held in electronic form.
b) All general insurance policies held by individuals including group policies
c) Any other class of insurance policies that may be notified by IRDAI u from time to time
However, initially, only life insurance policies can be held in electronic form under an eIA. Over time, this facility will be extended to general insurance policies as well.

If you already have e-Insurance account, log in to your e-Insurance account, click on “ePolicy conversion” and enter your policy number, name of Insurance Company that needs to be converted into ePolicy. In the next few days, your policy will be converted into e-Policy.
Also, you can write out a request, addressed to the Insurer, for converting your existing paper policy to electronic mode. Request Forms for policy conversion are available in all offices of CAMSRep and CAMS. They can also be downloaded from our website www.camsrepository.com. You need to fill out a separate request for each paper policy that you wish to convert to electronic form. These requests, duly signed, can be submitted at the respective Insurance Company or at any CAMSRep (or CAMS) office.
If you don’t have an eIA, you can submit an eIA opening form with the necessary supporting documents along with the request for converting paper policy to electronic mode.

No, it is not yet compulsory to issue insurance policies only in electronic form.
Policy holders can choose the form in which they want their policies issued paper or electronic.

Once a person has opened an eInsurance Account, it is quite simple to buy a new policy in electronic form. The ePolicy holder just needs to quote his / her unique eIA Number in the new insurance proposal form (where he / she is the Proposer), with a request to issue policy in electronic form. Since KYC documents had already been submitted and verified when the policy holder opened the eIA, the Insurer will not do KYC again (nor ask for KYC documents), provided there has been no change to the KYC details, making the process simpler and convenient for the policy holder.
Customer can also open eInsurance Account and apply for new policy simultaneously by opting in the new policy.

Yes, a policy holder can request a duplicate statement of insurance (SOI) from CAMSRep and an electronic SOI will be sent by email.

An “Approved Person (AP)” is an entity appointed by an insurance repository to represent it before policy holders and to perform certain assigned tasks in relation to and incidental to the functions of insurance repository.
In order to discharge the services and obligations, an insurance repository may appoint any number of approved persons to represent it before policyholders, subject to prior permission of IRDAI. IRDAI Regulations allow Brokers and Corporate Agents licensed by IRDAI to become 'Approved Persons' of Insurance Repositories to better service their customers. The services of corporate agents and insurance brokers appointed as APs shall be restricted to only those policies that are procured by them.

A company registered under the Companies Act, 1956, having an experience of 3 years and having a paid up capital of more than Rs. 5 lakhs is eligible to be appointed as the Approved Person (AP) of an Insurance Repository. Such a company shall not be formed only for the purpose of carrying out the functions as an Approved Person for an Insurance Repository (hence, only an existing company fulfilling the requirements can be appointed as an AP).
No Individual or a sole proprietorship firm can act as an Approved Person. A Corporate Agent or an Insurance Broker licensed by IRDAI can become the Approved Person of more than one Insurance Repository, provided its license is valid. As an Approved Person, a Corporate Agent or an Insurance Broker can service only those policies that are procured by them. The ability of a Corporate Agent or Insurance Broker to act as an Approved Person ceases the moment his license is cancelled or suspended.
An Insurer cannot act as an Approved Person. No individual or a sole proprietorship firm can act as an approved person.

Every appointment of an Approved Person (AP) by an Insurance Repository (IR) will need to be approved by IRDAI. An Insurance Repository desirous of appointing an “Approved Person (AP)” shall make an application to the IRDAI in the prescribed Form (Form A). No Approved Person shall apply directly to the IRDAI for this purpose and in all cases the application for an AP shall be sponsored by an Insurance Repository.
An Insurance Repository will thus collect all the required information from the entity desirous of becoming an AP (Applicant) as required by Form A, including an Affidavit filed by the Applicant and submit the application to IRDAI for approval along with its own undertaking.
Upon approval by IRDAI, the Insurance Repository will enter into an agreement with the Approved Person (AP), specifying the duties and responsibilities of the Approved Person.
IRDAI Guidelines do not envisage direct understanding between the Insurers and APs.

The duties and responsibilities of the Approved Person shall be specified by the Insurance Repository. An illustrative list of duties and responsibilities as given in IRDAI Guidelines is available on request.

IRDAI regulations specify that an approved person shall not be allowed to access the eInsurance Accounts and that the services of corporate agents and insurance brokers appointed as APs shall be restricted to only those policies that are procured by them.
Accordingly, CAMSRep will provide read only access to policy details at www.camsrepository.com for Agent APs, for the policies procured by them, so that they can service their customers better without compromising data confidentiality.
Secured access shall be provided at 2 levels for such broker/Corporate APs - Corporate & Branch: Branch View will give Single Customer View and Insurer View ePolicy details Following Policy Details will be visible for broker/Corporate APs:
Policy Holder
Name Life Insured
Name Insurer
Plan Name
Policy No
Sum Assured
Date of Commencement
Policy Term (Years)
Premium Pay term (Years)
Policy Status
Next Premium Due Date
Total Premium (Rs.)
Premium Frequency
Other Functionalities in Branch View will include, Registering Query & Complaint and Tracking Query & Complaint Status
Corporate View will, in addition, include AP Profile (with limited Edit option) and Branch Master
APs will be given an online electronic platform (web scan facility) to digitize and transmit eIA applications (along with supporting documents) and service requests to CAMSRep for quick turnaround.

The real benefit of Insurance Repository Services will be toward providing policy holders consistent and cost effective services over the life cycle of their policies so that the entire industry benefits from specialization and scale. The real benefit for APs, especially Corporate Agents & Insurance Brokers acting as APs, will be the ability to keep their customers delighted by leaning on the Repository for services while focusing organization efforts on sales & customer acquisition.
Insurance Repositories like CAMSRep will be paid directly by the Insurance Companies whose policies are held in electronic form in the Repository so that no chargesare levied on policy holders for the services rendered by the Insurance Repository. This fee (to be paid by Insurance Companies to Repositories) is yet to be finalized but likely to be only nominal so as to make it attractive for Insurers to adopt electronic policies.
Accordingly, the fee payable to APs for the services rendered by them to Insurance Repositories will also likely be nominal but commensurate with the effort.

eInsurance Account is absolutely FREE to the policy holder the policy holder does not have to pay anything to open an eInsurance Account.

All the services provided by CAMSRep (insurance repository services) are absolutely FREE of charge to policy holders. Policy holders need not pay anything extra to buy an electronic policy or to convert an existing paper policy into electronic form. Similarly they need not pay anything to avail of any services from CAMSRep, including online premium payment and services at CAMSRep's portal, www.camsrepository.com.

CAMSRep will be paid directly by the Insurance Companies whose policies are held in electronic form in CAMS Insurance Repository so that no charges are levied on policy holders.

No. Each Insurance Repository (IR) will have its own data base in which it will hold all eIA and ePolicy details of its account holders. The eIA details in an IR's data base will be as per the account opening form submitted by the account holderwith subsequent changes, if any. Policy level details will be uploaded to a person's eIA as and when he purchases a policy in electronic form or when he converts an existing (paper) policy to electronic form. Policy level details will be sent by the respective Insurance Companies to the IR as an electronic feed.
To facilitate easy de-duplication and verification of an individual's eIA status, a iTrex(Insurance Transaction Exchange) and is being maintained by IIB of IRDAI (or its nominated vendor) where basic details of every eIA Holder (PAN / Aadhaar No, Name, DOB and eIA Number) will be maintained.

Yes. It is the policy holder's prerogative to opt for a policy in electronic form. If a policy holder wants his / her policy (either new purchase or existing) in electronic form, then the Insurer is bound to fulfill his / her requirement.
The choice of a Repository for opening an eIA is the prerogative of the policy holder and hence all Insurance Companies will need to work with all the Insurance Repositories.
Initially, Repository service will be available for life insurance only; over time, health and general insurance (personal lines only) will also be brought within the ambit of Repository services.

CAMS Insurance Repository has an ePolicy holders' grievances cell to address the grievances of ePolicy holders in respect of repository services and electronic policies held by them. ePolicy holders can lodge their written grievances in any office of CAMSRep (or CAMS) or online at www.camsrepository.com.

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