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Decoding E-Insurance Accounts

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IRDA has opened up the facility of e-insurance accounts that allow policyholders to monitor policy data electronically in a dematerialised form. "It's more efficient to maintain, update and may even allow investment portability. However, there is a gap between insurance companies being ready with their backend in order to be able to morph these to the depositary, so will be some time before you can have policy in DMAT form," says Monika Halan of Mint Money.