In today’s digital-first world, managing insurance doesn’t need to involve stacks of paper or complicated processes. With an Electronic Insurance Account (eIA), you can store, access, and manage all your insurance policies—across insurers—in one secure digital space.
Whether it’s life, health, motor, or general insurance, an eIA offers a centralized, paperless way to manage your insurance journey more efficiently.

An eIA is a secure digital repository that stores all your insurance policies in one place. Much like a demat account (but for insurance), it allows you to consolidate policies from multiple insurers into a single digital account.

eIAs are regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and managed by authorized insurance repositories like:

If you hold an insurance policy with Acko, your eIA acts as a centralized vault to store it safely along with other policies from different providers.

However, as a digital-first insurer, Acko offers a superior experience via the Acko app—built to manage everything related to your Acko policy seamlessly:

While we support eIA accounts for policy consolidation, we recommend managing Acko policies directly through the Acko app for the most flexible and efficient experience. Think of your eIA as your insurance locker and the Acko app as your control panel for everything Acko.

If you don’t already have an eIA, Acko will help facilitate the creation process through one of the IRDAI-approved repositories. Once your Acko policy is issued:

Already have an eIA? Acko will link your policy to it automatically.

An Electronic Insurance Account (eIA) helps you take control of your insurance portfolio—securely and efficiently. And if you’re an Acko customer, you get the best of both worlds: the flexibility of eIA plus the speed and simplicity of Acko’s app-based policy management.

Use the eIA to centralize your insurance. Use the Acko app to maximize convenience.