Dematerialisation or ‘Demat’ allows a policyholder to create a portfolio of insurance policies and store them in an electronic form with an insurance repository. It has been introduced by IRDAI as a similar facility to the one available for stocks. You can have only a single ‘e-Insurance Account’ (eIA) with an insurance repository of your choice. An eIA is inclusive of all life insurance policies of the account holder.

While buying a new policy, you simply have to submit the eIA application form along with the new business application form. Please go through the guidelines before you fill the application form of the chosen insurance repository.

As per your discretion, you can opt for one among the repositories – CDSL IR (CDSL Insurance Repository Limited ), NIR (National Insurance-policy Repository), KARVY and CAMS

For additional information on insurance repositories, you may check the following links:

Note: In case you wish to Remat your policies i.e. change your policies back to the hard copy format, kindly submit an application stating the same at the nearest HDFC Life branch or Insurance Repository office.

As an existing policyholder, in case you do not have an eIA, all you have to do is submit the Demat Form (for existing policyholders) along with the eIA application form of an insurance repository of your choice.

If you already have an eIA, just submit the Demat Form (for existing policyholders) at the nearest HDFC Life branch or chosen Insurance Repository office. All your existing HDFC Life policies will be converted to the Demat form accordingly.

As per your discretion, you can opt for one among the repositories – CDSL IR (CDSL Insurance Repository Limited ), NIR (National Insurance-policy Repository), KARVY and CAMS.

Note: In case you wish to Remat your policies i.e. change your policies back to the hard copy format, kindly submit an application stating the same at the nearest HDFC Life branch or Insurance Repository office.

Instructions and Guidelines for eIA Application Form

      eIA Application Forms

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