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How to Link Aadhaar to Insurance Policy?
By Anupama Deshpande | May 15, 2018

Though on 13 March 2018, the Supreme Court has already extended the deadline to link Aadhaar with various financial services including insurance policies indefinitely, there are many benefits of linking Aadhaar number with Insurance policy.



The Insurance Regulator and Development Authority of India (IRDAI) recommend all the insurers to link the new and existing insurance policies to the 12-digit unique identity number Aadhaar number. All life insurance companies have made provisions for their policyholders to link their policies and Aadhaar either offline or online as per their convenience.

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Benefits of Linking Aadhaar to Insurance Policy

  • Ensures Protection against money laundering and prevent fraudulent claims
  • Unified Platform for financial services
  • Insurance administration process simple
  • Faster claim settlement
  • Obtaining quick financial services
  • Single platform available for financial services
  • Policy holders' satisfaction

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Document Required for Linking Aadhaar to Insurance Policy

  • Policy Number
  • Aadhaar number of policy holder
  • Permanent account number (PAN)/Form 60 or 61
  • KYC details, if changed

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How to Link Aadhaar to Insurance Policy?

There are two options to Link Aadhaar to Insurance Policy i.e. Online & Offline:

Linking Aadhaar to Insurance Policies Online

  • Visit the website of your insurance company
  • Enter policy holder's following details
    • Policy Number
    • Permanent Account Number (PAN)
    • Date of Birth
    • Mobile Number
    • E-mail ID
    • Aadhaar number
  • After entering the above details, an OTP (One Time Password) will be sent to the registered mobile number of the policy holder
  • Enter the OTP in the required box
  • After entering the OTP, the Aadhaar Number will be linked to your insurance policy

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Linking Aadhaar to Insurance Policies Offline

  • Visit the nearest branch of your insurance company
  • Take your Aadhaar Card and its self-attested copy
  • Submit it to the concerned officer along with your policy number to link it to your insurance policy
  • After submission, the Aadhaar Number will be linked to your insurance policy within couple of days

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About Anupama Deshpande
Anupama is a Co-Founder of CodeForBanks.com. She is an MBA (Finance) and Chartered Financial Analyst (CFA). She also carries a Fellowship degree in Life Insurance Sector and is a Master of Computer Application (MCA). She is an expert in Finance Field with an experience of over 18 years on different managerial positions in finance industry including Stock Market, Depository and Mutual Fund Sectors. Apart from that she has remained for few years in the field of marketing as well. Her suggestions and advice for investments have been very useful to many people.
Her vast interest & expertise in the field of finance have encouraged her to write the articles so that others can also get benefitted out of them. She never loses any opportunity to learn and be creative. She is a valuable asset for CodeForBanks.com & important resource to all those around her.

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