“The IRDAI has invited the views of the industry on the dematerialisation of insurance policies but has not yet mandated this proposal. Getting customers to open e-Insurance accounts (e-IA) will benefit all the stakeholders in the system including the regulator. The sophisticated portal proposed by IRDAI would ensure greater convenience for customers as all their insurance policies would be held in a single repository. Customers would be able to buy insurance policies, pay renewals, raise service requests and get claims settled with greater ease. For insurers, it would allow improved ease of business while for the regulator, it would give a real-time dashboard and insights. However, there are certain operational challenges and cost concerns that need to be worked out before this proposal is implemented.”
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