Overview

Bima Central is a one-stop digital platform in India that allows you to aggregate, manage, and track life, health, and motor insurance policies in one place. It is developed by the CAMS repository and functions through a secure e-Insurance Account (eIA) to simplify policy renewals, profile updates, and premium payments.

Key Features

  • Portfolio Aggregation: View policies across multiple insurers in a single dashboard.
  • Renewal Reminders: Get notified 15-30 days before policies expire, and pay premiums directly on the platform.
  • Centralized Updates: Update KYC, profile details, and nominee information across all policies.
  • Authorized Representative: Designate family members or trusted friends to access or manage your portal in emergencies.

While integrated insurers are expanding continuously, key partners with real-time service capabilities are ICICI Prudential, SBI Life, TATA AIA, SUD, Aditya Birla, and SBI General.

Managing multiple insurance policies used to mean a drawer full of physical documents from different insurers, each with its own renewal date, premium schedule, and nominee details.

But the IRDAI has launched a platform to fix this issue. From April 1, 2024, all new life, health, and motor insurance policies must be issued in digital format and maintained in an Electronic Insurance Account (eIA).

In this article, we will discuss Bima Central, the portal where CAMS eIA holders can manage their entire insurance experience in one place.

Confused about how Bima Central fits into your insurance setup? Book a free call or chat with Ditto's advisors on WhatsApp.

What Is Bima Central?

Bima Central is the customer-facing portal of CAMS Repository Services Limited, one of four insurance repositories licensed by the IRDAI. The other three are NSDL National Insurance Repository, CDSL (Centrico) Insurance Repository Limited, and Karvy Insurance Repository Limited.

Launched on June 13, 2024, Bima Central was designed to provide Indian policyholders with a single platform to hold and service all their insurance policies electronically, regardless of insurer. It serves as the interface for your CAMS eIA, the digital account that stores your e-policies, similar to how a demat account holds your shares.

Bima Central portal is also available as a mobile app. 

CTA

How Bima Central Works

To understand CAMS Bima Central, you first need to understand eIA. An Electronic Insurance Account is a digital repository for all your insurance policies. Every policy linked to your eIA is stored electronically, and you can access all of them from one platform.

The IRDAI mandated the Insurance Repository System through guidelines first issued in April 2011 and revised in May 2015. The core rules are straightforward.

    • For new policies, every policy you buy must be issued in electronic format and linked to an eIA. 
    • If you do not already have one, the insurer will create one for you at your preferred repository. 
    • For existing policies, if you already hold a paper-based policy, converting it to electronic form is not compulsory but is strongly recommended. 
    • Even after a policy is issued digitally, you can still request a physical hard copy from your insurer if you prefer to have one for your records.

Note: When you choose CAMS Repository Services as your repository, Bima Central becomes your portal to access and manage that eIA. Your insurer credits your policy electronically to your CAMS eIA, and Bima Central lets you view it, update details, and request services.

How to Register and Log In to Bima Central?

Bima Central

Bima Central Login: Step-By-Step Registration

Step 1: Go to Bima Central on your browser or download the Bima Central app.

Step 2: Click on "New User? Sign Up" on the homepage.

Step 3: Select the language of your choice and click on “Continue.”

Step 4: Choose whether you are a resident Indian or NRI.

Step 5: Enter your PAN number, mobile number, date of birth, and gender. Later, click on “Proceed.”

Step 6: Set a password and complete the registration. Your eIA number will be generated and shared with you via SMS and email.

Once registered, your Bima Central log in will use your registered mobile number, email, PAN, or EIA number along with your password. You can also use OTP-based login by entering your date of birth if you prefer not to use a password each time.

Background Image

Features and Services Available on Bima Central

01

Policy Viewing and Management

View and download all your e-policies in one place, such as term, health, and motor, regardless of which insurer issued them.

02

Service Requests

Raise requests for address changes, nominee updates, bank detail changes, and contact information updates directly from the portal, without filling separate forms for each insurer.

03

Premium Reminders

Bima Central sends renewal and premium due-date reminders so you do not miss payments.

04

Policy Conversion

Submit a digital conversion request for old paper-based policies through Bima Central. Once your insurer verifies the request, the policy is added to your eIA.

05

Claim Assistance

Your nominee can log in and access all policy details without searching for physical documents.

Bima Central App: How to Download and Use

The Bima Central app is available for both Android and iOS on the Google Play Store and the Apple App Store, respectively.

The app has similar features to the web portal. After logging in with your registered credentials, you can 

    • View your policy portfolio
    • Download documents
    • Raise service requests
    • Check premium due dates

Common Issues and How to Resolve Them

    • Login Failures: If your Bima Central login is not working, first check that you are using the correct registered mobile number or email. Use the "Forgot Password" option to reset your credentials. If OTP delivery is delayed, wait a few minutes and try again.
    • Policy Not Visible: If a policy you purchased does not appear in your Bima Central dashboard, it is likely that the insurer has not yet added it to your eIA. This can take up to seven working days after policy issuance. Contact your insurer with your policy number and eIA number to follow up.
    • KYC Mismatch: If your name or date of birth does not match across your PAN and Aadhaar, registration may be rejected. Ensure your KYC documents are consistent before applying.
    • Wrong Repository Linked: If your policy was credited to a different repository (such as NSDL or CDSL) rather than CAMS, it will not appear on Bima Central. In this case, you would need to log in to the relevant repository's portal to access that policy. Policies across repositories cannot currently be merged into one dashboard.

For any unresolved issues, you can reach CAMS Repository Services by calling the toll-free number at 1800-569-1990 or write an email to info@camsrepository.com.

Why Choose Ditto for Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Vijay below love us:

Bima Central
    • No-Spam & No Salesmen
    • Rated 4.9/5 on Google Reviews by 25,000+ happy customers
    • Backed by Zerodha
    • Dedicated Claim Support Team
    • 100% Free Consultation

You can book a FREE consultation. Slots are running out, so make sure you book a call now or chat with us on WhatsApp!

Conclusion

Bima Central simplifies what used to be a fragmented, paperwork-heavy process. If your policies are linked to a CAMS eIA, you get a single login to view everything, update your details, and keep your nominee informed. It is now mandatory to hold an eIA for new term insurance policies, and the IRDAI has also directed all new life, health, and motor policies to be issued digitally. Hence, setting up and using a portal like Bima Central has become easy for most policyholders.

That said, Bima Central manages your policy records. It does not help you decide whether your current coverage is adequate or whether the plan you are considering is the right fit. For that, check out our guides on the best term insurance plans and the best health insurance plans in India.

Frequently Asked Questions

What is Bima Central and who operates it?

Bima Central is a digital insurance portfolio management portal operated by CAMS Repository Services Limited (CAMSRep), one of four insurance repositories licensed by the IRDAI. Launched on June 13, 2024, it allows policyholders to view and manage all their insurance policies, whether life, health, or motor, through a single login linked to their Electronic Insurance Account (eIA). The platform is accessible on the official Bima Central website and as a mobile app on Android and iOS.

Is it mandatory to have an eIA account to buy term insurance in India?

Yes, it is mandatory to have an eIA when buying a new term life insurance policy in India. As per IRDAI guidelines effective April 1, 2024, all new life, health, and motor insurance policies must be issued in electronic format and linked to an eIA. If you do not already have one at the time of purchase, your insurer will create one for you at your preferred repository, which could be CAMSRep, NSDL, CDSL (Centrico), or Karvy Insurance Repository Limited.

How do I log in to Bima Central if I already have a CAMS eIA?

If you already have a CAMS eIA from a previous policy purchase, you can log in directly to the official Bima Central website. This can be done using your registered mobile number or email along with your password. You also have the option to use OTP-based login instead of a password. If you have forgotten your credentials, use the Forgot Password option to reset them. For persistent login failures, contact CAMSRep support at info@camsrepository.com with your registered details.

How many eIA accounts have been created in India so far?

As per the IRDAI Annual Report 2024-25, a total of 2.03 crore Electronic Insurance Accounts (eIAs) had been created in India as of March 31, 2025, since the introduction of the Insurance Repository System in April 2011. During FY 2024-25 alone, 50.59 lakh new eIAs were created, and 70.39 lakh e-insurance policies were credited. This growth reflects how quickly the shift to digital policy management is gaining traction among Indian policyholders. The increasing adoption of eIAs also highlights the insurance industry's broader push toward paperless, customer-centric services. 

Can I see all my insurance policies from different insurers on Bima Central?

Yes, but only the policies credited to your CAMS eIA will appear on Bima Central. If your policies are linked to a different repository, such as NSDL or CDSL, they will not show up on the Bima Central dashboard. Each repository has its own portal, and policies across repositories cannot currently be consolidated into a single view. At Ditto, we recommend clarifying which repository your insurer uses before purchase so all your policies land in the same account.

Is Bima Central safe to use? Is CAMSRep a legitimate organization?

Yes, Bima Central is safe and fully legitimate. CAMSRep (CAMS Repository Services Limited) is one of four insurance repositories officially licensed by the IRDAI to maintain electronic insurance policies on behalf of insurers. It is the same organization behind CAMS, one of India's largest mutual fund registrars and transfer agencies. Your data is protected under IRDAI data security guidelines. If you receive an email from Bima Central, it is a genuine communication, as CAMSRep sends notifications about policy updates, KYC gaps, and premium due dates.

What services can I use on the Bima Central app?

The Bima Central app, available on both the Google Play Store and the Apple App Store, lets you view your entire eIA-linked insurance portfolio, download policy documents, raise service requests for nominee or address updates, and check premium due dates. In the first 30 days after launch, over 1 lakh eIA holders used the Bima Central website, more than 25,000 downloaded the mobile app, and the platform processed over 2,000 service requests daily. For technical issues with the app, you can contact CAMSRep for more information.

Can you switch your eIA from CAMS to another repository (or vice versa)?

Yes. An e-Insurance Account (eIA) holder can switch from one Insurance Repository, such as CAMS, to another, or vice versa. During the transfer, all electronically held insurance policies, transaction history, and account details are migrated to the new repository without affecting policy benefits or coverage. The policyholder also receives an annual statement of account in electronic form containing details of all policies held. The transfer process is specifically designed to ensure continuity of service and efficient policy management throughout all cycles.

How is Bima Central related to Bima Sugam?

Bima Sugam is IRDAI’s industry-wide digital insurance marketplace. Its official website was launched on September 17, 2025, and its features are being rolled out in phases as insurer integrations progress. It is designed to enable multiple customers to compare, purchase, and manage insurance policies across all participating insurers through a single platform. Bima Central, in contrast, is CAMSRep’s repository-linked servicing platform for viewing and managing policies already linked to a CAMS eIA.

Last updated on: