
Digital transformation has made it easier than ever to manage your insurance policies. With the Government of India's DigiLocker platform, policyholders can now digitally store, access, and share their insurance documents with convenience, security, and legal validity.
DigiLocker allows you to store, access, and share your car insurance, bike insurance, health insurance, travel insurance, etc. all under one government-approved and secured cloud platform.
This complete guide explains what DigiLocker is, how it relates to insurance, the step-by-step process of storing your policies, and how to use your DigiLocker insurance documents in emergencies and claims.
What Is DigiLocker & Why It Matters?
DigiLocker is a digital document storage platform launched under the Digital India initiative by the Ministry of Electronics and Information Technology (MeitY), Government of India. It allows citizens to store, access, and share official documents in a secure, government-approved digital format.
With over 150 million registered users and 5 billion issued documents, DigiLocker has become an essential tool for policyholders and vehicle owners in India.
Key Features of DigiLocker:
- Cloud-Based Storage: Offers a secure online space linked directly to your Aadhaar number, ensuring you can access documents anytime, anywhere.
- Wide Document Access: Allows storage and retrieval of various government-issued documents, including driving licenses, vehicle registration certificates, car insurance, bike insurance, health insurance, travel insurance policies, and more.
- Secure Sharing: Enables safe and instant sharing of digital documents with authorities, hospitals, traffic police, and insurers for verification purposes.
- Reduces Paper Dependence: Minimises the need to carry or maintain physical copies, reducing the risk of loss or damage to important papers.
- Eco-Friendly Solution: Promotes a paperless, environmentally sustainable approach to document management under the Digital India initiative.
- Legally Valid: DigiLocker-issued or uploaded insurance documents hold the same legal value as physical copies under the Information Technology Act, 2000.
For insurance policyholders, DigiLocker offers a single digital wallet where all policy documents— motor insurance, bike insurance, car insurance, health insurance, and travel insurance—can be accessed anytime, anywhere.
How DigiLocker Works with Insurance
Every DigiLocker insurance policy is digitally signed and legally valid, making it equivalent to carrying a physical policy document. These documents are:
- Legally valid under the Information Technology Act, 2000.
- Accepted by the traffic police, hospitals, and other authorities.
- Stored in your account for 24/7 access via mobile or web platforms.
Integration with Insurance Companies
With the growing adoption of digital solutions in the insurance sector, many insurers are now integrated with DigiLocker to make policy management seamless and hassle-free for customers.
- Direct Digital Issuance: Many leading insurers in India are integrated with DigiLocker, allowing policies such as car insurance, bike insurance, health insurance, and travel insurance to be issued directly to your DigiLocker account.
- Automatic Policy Fetching: Once you purchase or renew an insurance policy, it can be automatically fetched into DigiLocker without manual uploads, provided your insurer is a registered issuer.
- Seamless Linking: By entering your policy number, date of birth, and vehicle registration details (for motor insurance), you can instantly add insurance in DigiLocker.
- Reduced Documentation Hassles: Eliminates the need to carry physical copies or search through emails when proof of insurance is required.
- Fast Claim Processing: Since documents are digitally verified, insurers can process DigiLocker insurance claims faster and with fewer discrepancies.
- Government-Approved Security: Ensures safe, authenticated, and legally valid storage of policies across multiple insurance categories.
You can also add insurance in DigiLocker manually if it doesn’t appear automatically by entering your policy number and other details.
How to Store Health, Motor & Travel Insurance in DigiLocker
Storing insurance documents in DigiLocker is simple and free. Here's a step-by-step guide to help you manage different types of policies.
Step-by-Step Setup & Account Creation
To start using DigiLocker for storing your insurance documents, you first need to set up an account. The process is quick, easy, and completely free:
Step 1: Download DigiLocker:
- The DigiLocker app is available on both the Google Play Store (Android) and Apple App Store (iOS) for mobile users.
- Alternatively, you can visit the official DigiLocker website on your desktop or laptop for web-based access.
Step 2: Sign Up
- Use your mobile number linked to your Aadhaar to create an account.
- Enter the OTP (One-Time Password) sent to your phone for verification.
- Set up a unique username and password to secure your account and ensure future logins are safe.
Step 3: Link Aadhaar
- Linking your Aadhaar is mandatory for complete access, enabling auto-fetch of documents from the government and authorised issuers.
- It ensures authenticity, prevents duplicate accounts, and strengthens data security.
Adding Motor Insurance (Car/Bike)
Your motor insurance policy (including both car insurance and bike insurance) is essential for legal compliance and traffic checks. Instead of carrying physical copies, you can digitally store your policy in DigiLocker.
If you are wondering how to add bike insurance in DigiLocker, simply log in, select your insurer as the issuing authority, and enter your bike registration details to fetch the digital policy instantly.
Here’s a step-by-step guide on how to add vehicle insurance in DigiLocker:
- Log in to your DigiLocker account.
- Click on “Issued Documents” → “Get Issued Document.”
- Select the issuing authority (e.g., your insurer or Insurance Information Bureau of India).
- Enter details like:
- Policy Number
- Vehicle Registration Number (for car/bike insurance)
- Date of Birth
- Your digital policy document will be fetched and stored in your DigiLocker account.
This applies to both DigiLocker car insurance and DigiLocker bike insurance, making it easy to show valid proof during traffic checks.
Adding Health Insurance Policies
To store your health insurance documents:
- Go to Get Issued Documents in DigiLocker
- Choose your insurance company as the issuing authority.
- Enter your policy number and date of birth.
For insurers not integrated yet, you can upload a scanned copy manually:
- Click “Upload Document” → Select document type “Insurance Policy.”
- Add a custom tag like DigiLocker Health Insurance for easy identification.
This ensures 24/7 access to your policy details during hospitalisation or claims.
Adding Travel Insurance Documents
Travel insurance documents can be vital during emergencies abroad or domestic travel. Here's how to store them:
- Select “Upload Document” in your DigiLocker account.
- Choose “Insurance Policy” as the category.
- Upload a scanned PDF of your travel insurance policy.
- Add relevant tags like “Travel Insurance - International Trip 2025”.
This makes it easier to present your travel policy details at airports, immigration checks, or during medical emergencies overseas.
Benefits of DigiLocker for Insurance Holders
DigiLocker is not just a digital storage solution—it adds real value to policyholders in terms of convenience, compliance, and safety.
Legal Validity & Traffic Compliance
According to the Motor Vehicles Act, carrying physical copies of your vehicle insurance, driving license, and registration certificate is no longer mandatory if you have DigiLocker documents. Traffic authorities across India accept DigiLocker vehicle insurance, making roadside checks hassle-free for drivers.
- Accepted by the traffic police during checks.
- Recognised as valid proof of motor insurance under government regulations.
- Reduces the risk of fines due to misplaced or forgotten physical copies.
Convenience & 24/7 Access
- Access your car insurance, bike insurance, or health insurance documents anytime via mobile or web.
- No need to search through emails or carry paper copies.
- Helps during emergencies when immediate proof of insurance is needed.
Paperless & Eco-Friendly
- Eliminates physical paperwork for insurance policies with digilocker.
- Reduces environmental impact by reducing printed copies.
- Supports Digital India’s goal of paperless governance.
Paperless & Eco-Friendly
- Eliminates physical paperwork for insurance policies with digilocker.
- Reduces environmental impact by reducing printed copies.
- Supports Digital India’s goal of paperless governance.
Secure Sharing & Authentication
- You can digitally share insurance documents with hospitals, police, or insurers without a physical handover.
- DigiLocker uses 128-bit encryption and Aadhaar-based authentication to ensure data privacy.
- Prevents fraud or tampering with policy documents.
Useful in Emergencies & Claim Situations
Imagine an accident where you need to file a DigiLocker insurance claim immediately:
- Having your policy digitally stored helps you initiate the claim quickly.
- You can email or share the document directly with the insurer or hospital.
- Speeds up cashless treatment approvals for health insurance.
- Helps settle motor insurance claims without delays due to missing papers.
Using DigiLocker Insurance Documents for Claims & Verification
Many policyholders ask, Is DigiLocker insurance valid during traffic checks or hospital admissions? Yes, DigiLocker documents are legally valid under the Indian Evidence Act and accepted by insurance companies for claim processing.
Health Insurance Claims
- Hospitals across India accept DigiLocker health insurance policy copies during cashless admissions.
- Having a digital version helps avoid delays in emergency treatments when the physical document is unavailable.
- The insurer or Third-Party Administrator (TPA) can instantly verify the document through DigiLocker, speeding up pre-authorisation approvals.
Motor Insurance Claims
- In case of accidents or roadside checks, DigiLocker car insurance or bike insurance copies are valid proof of coverage.
- Traffic authorities and insurers can verify the document instantly, ensuring legal compliance and faster initiation of claims
- This eliminates the risk of fines due to misplaced or forgotten papers.
Travel Insurance Claims
- During domestic or international travel, DigiLocker travel insurance copies are accepted by airlines, immigration officials, and foreign hospitals.
- It ensures seamless claim processing during emergencies abroad, without relying on physical paperwork.
Thus, DigiLocker insurance policy download helps ensure faster claim approvals with minimal documentation hassle.
How to Troubleshoot DigiLocker Insurance Issues?
While DigiLocker is highly reliable, some users face issues like missing policies or syncing errors. Here's how to resolve them:
- Policy Not Appearing Automatically:
- Use the manual Digilocker insurance upload option.
- Contact your insurer to confirm if they are registered with DigiLocker.
- Incorrect Details:
- Update your Aadhaar-linked mobile number.
- Ensure your policy number and date of birth are entered correctly.
- Document Not Downloading:
- Check your internet connection.
- Try logging in from another device.
- Use the “Download DigiLocker Insurance Policy” option on the app.
- Privacy Concerns:
- DigiLocker is a government-backed platform with end-to-end encryption.
- Regularly update your password and enable two-factor authentication for extra security.
Conclusion
DigiLocker has truly transformed the way insurance policyholders in India manage their documents, making the entire process simpler, safer, and more efficient. Traditionally, losing a physical insurance policy document could lead to claim delays, penalties during traffic checks, or unnecessary stress in emergencies. With DigiLocker, all these challenges are eliminated by providing a government-approved, secure, and easily accessible digital storage platform for your policies.
Whether you have car insurance, bike insurance, health insurance, or travel insurance, DigiLocker ensures that you can access legally valid copies of your documents anytime, anywhere—directly from your smartphone or computer. These digital copies are recognised by traffic authorities, hospitals, insurers, airlines, and even immigration officials, offering 24/7 convenience and peace of mind. Moreover, DigiLocker significantly reduces paperwork, making it an eco-friendly solution while enhancing security through Aadhaar-based authentication and encryption. This not only streamlines claim processing but also prevents document loss, forgery, or tampering.
As insurance continues to play a critical role in financial planning, leveraging digital tools like DigiLocker helps you stay prepared for unexpected events, ensuring that you always have quick access to your policies when it matters most. Embracing this digital shift is a step towards safer, smarter, and stress-free insurance management in India.