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'ind' : 'inter'); grxDimension_cdp['web_peuuid'] = getCookie('peuuid') !== null ? getCookie('peuuid') : ''; grxDimension_cdp['paywall_hits'] = customDimension.dimension68 || ""; grxDimension_cdp['paywall_experiment'] = customDimension.dimension72 || ""; grxDimension_cdp['response_source'] = customDimension.dimension111 || ""; grxDimension_cdp['adaptive_status'] = customDimension.dimension115 || ""; grxDimension_cdp["user_cohort_id"] = cohortId; grxDimension_cdp['level_full'] = (customDimension.dimension27).toLowerCase() || (customDimension.dimension26).toLowerCase(); grxDimension_cdp['embedded'] = embeddedData && embeddedData.trim().replaceAll(' ', ',') || ""; grxDimension_cdp['last_click_source'] = (customDimension.dimension92).toLowerCase(); grxDimension_cdp['level_1'] = (customDimension.dimension26).toLowerCase(); grxDimension_cdp['loggedin'] = userInfo_cdp['email'] ? 'y' : 'n'; grxDimension_cdp['section_id'] = customDimension.dimension29; grxDimension_cdp['source'] = customDimension.dimension93; grxDimension_cdp['phone'] = userInfo_cdp['mobile'] || ''; grxDimension_cdp['email'] = userInfo_cdp['email'] || ''; grxDimension_cdp['utm_source'] = utmSource_dim || null; grxDimension_cdp['utm_medium'] = utmMedium_dim || null; grxDimension_cdp['utm_campaign'] = utmCamp_dim || null; grxDimension_cdp['subscription_status'] = sub_status; grxDimension_cdp['variant_id'] = variant_id || null; grxDimension_cdp['cohort_id'] = cohort_id || null; grxDimension_cdp['monetizable'] = is_monetizable; grxDimension_cdp['subscription_type'] = sub_type grxDimension_cdp['paywalled'] = isPaywalled; grxDimension_cdp['client_source'] = 'cdp'; grxDimension_cdp['business'] = 'et'; grxDimension_cdp['dark_mode'] = 'n'; (function () { grx('userId', getCookie('ssoid')); try { if(window.localStorage && localStorage.getItem) { var jString = localStorage.getItem("jStorage"); if(jString) { var objJstorage = JSON.parse(jString), objProf = objJstorage['et_subscription_profile'], userInfo = objJstorage['userInfo'] || {}, peuuid = getCookie('peuuid'), pfuuid = getCookie('pfuuid'), freeTrialObj = objJstorage['et_freetrial']; for (var attrname in objProf) { grxDimension[attrname] = objProf[attrname]; }; var dt = +new Date(), loggedIn = (getCookie('ssoid') ? 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oldonload(); pingIbeat(); }; } })(); } } </script><script type="application/ld+json"> { "@context" : "https://schema.org", "@type": "NewsMediaOrganization", "name": "Economic Times", "url" : "https://economictimes.indiatimes.com/", "logo": { "@type": "ImageObject", "url": "https://img.etimg.com/thumb/msid-76939477,width-600,height-60,quality-100/economictimes.jpg", "width": 600, "height": 60 } } </script><style> [data-sidebar="1"][data-adaptive="1"]:not([data-etpred="0"]) .article_block .pageContent {float:left;} [data-sidebar="1"][data-adaptive="1"]:not([data-etpred="0"]) .article_block .sideBar {display:block; height:500px;} </style></head><body><div data-size="[[160, 600], [120, 600], [125, 600]]" data-adsSlot="ET_Personal_Finance/ET_Personal_Finance_Insurance_AS/ET_ROS_Skin_PFN_INS_AS_RHS_125" id="div-gpt-ad-innov-118384562" subsec1="837555174" subsec2="47119917" data-oop="0" data-loc="All" class="innov adSelector4"></div><div subsec1="837555174" subsec2="47119917" data-size="[[160, 600], [120, 600], [125, 600]]" data-adsSlot="ET_Personal_Finance/ET_Personal_Finance_Insurance_AS/ET_ROS_Skin_PFN_INS_AS_LHS_125" id="skinningleft_backup" data-fallback="1" data-loc="All" class="skinning_left"></div>  <main class="pageHolder 53"><div l3="66119120" l2="47119917" l1="837555174" lan="" class="primeDW" id="topAd"><div data-size="[[1003, 90],[970,90],[728, 90]]" data-adsSlot="ET_Personal_Finance/ET_Personal_Finance_Insurance_AS/ET_ROS_ATF_PFN_INS_AS_728" id="div-gpt-ad-atf728-66119120-118384562" data-oop="0" data-loc="All" data-adtype="atf728" class="adSelector1 clearfix topArtAd topAd"></div><div isActive="1" subsecid="ads_subsec2" slug1Status="0" innov1Status="1" btf300Status="1" mid300Status="1" atf300Status="1" atf728Status="1" popStatus="0" shoshStatus="0" id="adStatus" data-adtype="atf728" style="display:none;"></div></div><div class="band" id=""><div class="contentwrapper bandCont clearfix"><div class="flipWrapper"><div class="mkt_indices_band clearfix"><div class="band-items band-item-sm" id="S1_box"><div class="band-item clearfix"><div class="band-content"><div class="head"><a target="_blank" href="https://economictimes.indiatimes.com/markets/indices/nifty-50">Benchmarks </a></div><div class="values"><a class="wname" target="_blank" href="https://economictimes.indiatimes.com/markets/indices/nifty-50">Nifty</a><span class="num">22,932.90</span><span class="per cSprite_b red">-12.4</span></div></div></div></div><div class="S5_box_wrapper"><div id="S5_box" class="band-items"><a rel="nofollow sponsored" target="_blank" href="https://www.assetmanagement.hsbc.co.in/en/mutual-funds/investment-expertise/equity-funds/hsbc-large-cap-fund?cid=HBIN:ANILP:123:D1:AMG:L6:GO" data-ga-onclick="Buy Direct - ETMarketBand#WEB - Click - HSBC Large Cap Fund Direct-Growth - Invest Now - MarketBand#MarketBand - url"><div class="band-item clearfix"><div class="band-content-left"><div class="head"><span class="lbl">FEATURED FUNDS</span><div class="ratings flr"><span class="rating">★★★</span><span class="ratingGrey">★★</span></div></div><div class="title" title="HSBC Large Cap Fund Direct-Growth">HSBC Large Cap Fund Direct-Growth</div></div><div class="band-content-right flt"><div class="head lbl">5Y Return</div><div class="values flt"><span class="per cSprite_b green">15.12 % </span></div><div class="cta flt">Invest Now</div></div></div></a><a rel="nofollow sponsored" target="_blank" href="https://www.canararobeco.com/smart-invest/sign-in/?utm_source=et-i&utm_medium=invest_now&utm_campaign=canara_robeco_elss_tax_saver" data-ga-onclick="Buy Direct - ETMarketBand#WEB - Click - Canara Robeco ELSS Tax Saver Regular - Growth - Invest Now - MarketBand#MarketBand - url"><div class="band-item clearfix"><div class="band-content-left"><div class="head"><span class="lbl">FEATURED FUNDS</span><div class="ratings flr"><span class="rating">★★★</span><span class="ratingGrey">★★</span></div></div><div class="title" title="Canara Robeco ELSS Tax Saver Regular - Growth">Canara Robeco ELSS Tax Saver Regular - Growth</div></div><div class="band-content-right flt"><div class="head lbl">5Y Return</div><div class="values flt"><span class="per cSprite_b green">16.51 % </span></div><div class="cta flt">Invest Now</div></div></div></a></div></div></div></div><div class="srch-overlay-content" id="srch-overlay-content"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 15 15" height="15" width="15" class="left_icon"><path fill-rule="nonzero" fill="#ED193B" d="m13.296 13.499-3.95-3.557a4.37 4.37 0 0 1-1.344.875 4.907 4.907 0 0 1-1.668.375c-1.426.075-2.66-.357-3.701-1.295C1.59 8.959 1.033 7.79.96 6.39c-.073-1.4.359-2.62 1.297-3.662.938-1.041 2.114-1.6 3.526-1.673 1.4-.074 2.617.359 3.652 1.297 1.035.939 1.59 2.107 1.663 3.507.03.567-.034 1.12-.191 1.657a5.032 5.032 0 0 1-.754 1.529l3.967 3.538a.614.614 0 0 1 .048.869.617.617 0 0 1-.872.046zM8.925 8.723a3.76 3.76 0 0 0 .985-2.801 3.76 3.76 0 0 0-1.273-2.683 3.71 3.71 0 0 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data-ga-onclick="UB - Comment Clicks#Clicks Comment - 118384562#ATF"><span class="asSprite c_icon"></span><span class="cmnt_count hidden"></span><span>Comment</span></div></div></div></div><div class="edition clearfix"><div class="pageContent flt"><div style="position:absolute; height:250px; width:300px; top:12px; right:1%" id="primuser_ad_absolute"><div data-loc="All" data-user="subscribed" data-size="[[300,250]]" data-adsSlot="ET_Prime/ET_Prime_AS/ET_Prime_AS_ATF_Mid_Banner" id="primead_118384562" class="primeuser_asmidad"></div></div><div class="artSyn bgPink"><div class="bold">Synopsis</div><h2 class="summary">The new payment mechanism, aims to streamline the payment process for life and health insurance policies, will be effective from March 1, 2025, as per the IRDAI circular.</h2></div><article competitionClients="" currency_ad="1" data-apw="1" class="artData clr paywall"><div class="imgBox"><figure class="artImg"><img height="225" width="300" alt="upi brown" src="https://img.etimg.com/thumb/msid-118384686,width-300,height-225,imgsize-2475314,resizemode-75/upi-brown.jpg"><span class="imgAgency">ET Online</span><figcaption class="figCap">one time UPI mandate for insurance</figcaption></figure></div><div data-brCount="26" class="artText">The Insurance Regulatory and Development Authority of India (<a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="/topic/irdai" target="_blank">IRDAI</a>) has allowed policyholders to set aside funds for premiums through a new payment mechanism called <a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="/topic/bima-asba" target="_blank">Bima-ASBA</a> (Applications Supported by <a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="/topic/blocked-amount" target="_blank">Blocked Amount</a>) via <a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="/topic/unified-payments-interface" target="_blank">Unified Payments Interface</a> (UPI).<br> <br><style> #sr_widget.onDemand p, #stock_pro.onDemand p{font-size: 14px;line-height: 1.28;} .onDemand .live_stock{left:17px;padding:1px 3px 1px 5px;font-size:12px;font-weight:600;line-height:18px;top:9px} #sr_widget.onDemand .sr_desc{margin:0 auto 0;} #sr_widget.onDemand .sr_desc{color: #024d99;margin-top:10px;} #sr_widget.onDemand .crypto .live_stock .lb-icon{8px 6px 5px 3px !important} #sr_widget.crypto.onDemand a.text{border-bottom:1px solid #ccc;padding-bottom:5px;display:block;width:100%} #sr_widget.onDemand .sr_desc .text p, #stock_pro.onDemand .sr_desc .text p{font-size:12px;font-weight:400;} </style><div class="crypto onDemand" data-ga-impression="On Demand CTA articleshow#Impressions | On Demand CTA | Articleshow#" id="sr_widget"><div class="live live_stock"><p>Trump-Modi Meet</p></div><div style="margin-top: 10px;float: left;width: 100%;"><a class="text" target="_blank" data-ga-onclick="On Demand CTA articleshow#Clicks | On Demand CTA | Articleshow#https://economictimes.indiatimes.com/news/economy/policy/trump-modi-talk-fighter-jets-trade-wars-china-making-india-great-again-leave-out-adani/articleshow/118233685.cms" href="https://economictimes.indiatimes.com/news/economy/policy/trump-modi-talk-fighter-jets-trade-wars-china-making-india-great-again-leave-out-adani/articleshow/118233685.cms"><p style="font-size:14px;font-weight:400;margin-top: 5px;" class="sr_desc">The mega MIGA, MAGA plans of India's Modi and US' Trump</p></a><a class="text" target="_blank" data-ga-onclick="On Demand CTA articleshow#Clicks | On Demand CTA | Articleshow#https://economictimes.indiatimes.com/news/economy/foreign-trade/trump-announces-reciprocal-tariffs-says-india-has-more-tariffs-than-any-other-country/articleshow/118224384.cms" href="https://economictimes.indiatimes.com/news/economy/foreign-trade/trump-announces-reciprocal-tariffs-says-india-has-more-tariffs-than-any-other-country/articleshow/118224384.cms"><p style="font-size:14px;font-weight:400;margin-top: 5px;" class="sr_desc">Trump says India has more tariffs than others</p></a><a class="text" target="_blank" data-ga-onclick="On Demand CTA articleshow#Clicks | On Demand CTA | Articleshow#https://economictimes.indiatimes.com/news/international/global-trends/trumps-golden-rule-for-imposing-reciprocal-tariffs-and-what-they-mean-for-us-allies-explained/articleshow/118234227.cms" href="https://economictimes.indiatimes.com/news/international/global-trends/trumps-golden-rule-for-imposing-reciprocal-tariffs-and-what-they-mean-for-us-allies-explained/articleshow/118234227.cms"><p style="font-size:14px;font-weight:400;margin-top: 5px;" class="sr_desc">Trump's 'golden rule' for imposing reciprocal tariffs</p></a></div></div>The initiative, which aims to streamline the payment process for life and <a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" target="_blank" href="https://economictimes.indiatimes.com/wealth/insure/health-insurance">health insurance</a> policies, allows policyholders to block funds in their bank accounts for premium payments, ensuring smooth transactions without immediate debits, according to a circular by IRDAI on February 18, 2025.<br><div data-mid-newpos-mgid="mgid_118384562" id="div-mgid-mid-newpos-118384562"></div><br>Also read: LIC’s Smart Pension Plan: <a data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="https://economictimes.indiatimes.com/wealth/insure/life-insurance/lics-smart-pension-plan-key-features-eligibility-annuity-options-death-benefits-and-more/articleshow/118362247.cms" data-type="tilCustomLink" target="_blank">Key features, eligibility, annuity options, death benefits and more</a><br><div style="margin-bottom:45px;" class="adBox custom_ad nonm taboola" data-taboola="taboola_118384562"><div class="colombia colombiaAd" data-section="0" data-position="118384562" data-slot="532740" col="2" data-msg="ctnCallbackHandler" id="div-clmb-ctn-208630-118384562-26"></div><div id="v-economictimes-indiatimes-v3"></div><div data-placement="Mid Article Thumbnails" data-target_type="mix" data-mode="thumbnails-mid" style="min-height:400px; margin-bottom:12px;" class="wdt-taboola" id="taboola-mid-article-thumbnails-118384562"></div></div><br>The new payment mechanism will be effective from March 1, 2025, as per the IRDAI circular. “Under the facility called the Bima-Applications Supported by Blocked Amount (Bima-ASBA), the transfer of money from the prospect to the insurer happens only when an <a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="/topic/insurance-policy" target="_blank">insurance policy</a> is issued. In this facility, insurers can offer a <a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="/topic/one-time-mandate" target="_blank">one-time mandate</a> for blocking a certain amount through UPI in the bank account for the concerned prospect,” the circular said.<br><h2><br>Introduction of one-time mandate (OTM) via UPI</h2>Customers can authorise insurers to block a specific amount in their bank accounts through the Unified Payments Interface (UPI) before the insurance proposal is accepted. The amount is debited only after the insurer approves the policy. 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Upon issuance of the policy, the premium will be debited. If rejected, the amount will be automatically unblocked within one working day. The block is valid for a maximum of 14 days or until the underwriting decision is made.<br><div data-mid-vdoai="vdoai_118384562" id="div-vdoai-mid-118384562"></div><br><h2>How a one-time mandate through UPI (Bima-ASBA) works</h2><strong>Opting for Bima-ASBA:</strong><br><div data-size="[[300, 250], [600, 250], [600, 300]]" data-adsSlot="/7176/Economictimes/ET_News/ET_News_ROS/ET_News_ROS_MID_INTL_300" data-loc="100" id="div-gpt-ad-858478126-1-118384562" class="country_specAD"></div>When you apply for an insurance policy, you fill out a form that includes an option to allow your bank to block the premium amount in your account.<br><strong>Request for blocking funds:</strong><br><div data-size="[[300, 250], [600, 250], [600, 300]]" data-adsSlot="/7176/Economictimes/ET_News/ET_News_ROS/ET_News_ROS_MID1_INTL_300" data-loc="2" id="div-gpt-ad-858478132-1-118384562" class="country_specAD2nd"></div><div data-size="[[300, 250], [600, 250], [600, 300]]" data-adsSlot="/7176/Economictimes/ET_News/ET_News_ROS/ET_News_ROS_MID1_INTL_300" data-loc="5" id="div-gpt-ad-858478132-1-118384562" class="country_specAD2nd"></div><div data-size="[[300, 250], [600, 250], [600, 300]]" data-adsSlot="/7176/Economictimes/ET_News/ET_News_ROS/ET_News_ROS_MID1_INTL_300" data-loc="3" id="div-gpt-ad-858478132-1-118384562" class="country_specAD2nd"></div>The insurance company sends a request to your bank (through its partner bank) to block the required amount in your account.<br><strong>Consent & blocking of funds:</strong><br>Your bank asks for your approval. Once you agree, the bank blocks the premium amount and notifies the insurance company.<br><strong>Funds remain blocked until decision:</strong><br>The money stays in your account but cannot be used for anything else until the insurer decides whether to accept your insurance application. It remains blocked for up to 14 days and may still earn interest.<br><strong>Payment on acceptance:</strong><br>If the insurer accepts your application, they inform you and request the bank to debit the blocked amount and transfer it to their account.<br><strong>Refund on rejection or cancellation:</strong><br>If the insurer rejects your application or if you cancel it, the blocked amount will return to your account without any deductions.<br>As per the IRDAI circular, “In any case, if the insurer does not process the application within a period of 14 days, the blocked amount will be automatically unblocked through the partner bank by the insurer.”<br><style> #sr_widget.onDemand p, #stock_pro.onDemand p{font-size: 14px;line-height: 1.28;} .onDemand .live_stock{left:17px;padding:1px 3px 1px 5px;font-size:12px;font-weight:600;line-height:18px;top:9px} #sr_widget.onDemand .sr_desc{margin:0 auto 0;} #sr_widget.onDemand .sr_desc{color: #024d99;margin-top:10px;} #sr_widget.onDemand .crypto .live_stock .lb-icon{8px 6px 5px 3px !important} #sr_widget.crypto.onDemand a.text{border-bottom:1px solid #ccc;padding-bottom:5px;display:block;width:100%} #sr_widget.onDemand .sr_desc .text p, #stock_pro.onDemand .sr_desc .text p{font-size:12px;font-weight:400;} </style><div class="hide_content mt10"><div><a target="_blank" href=""></a></div></div><div class="inSideInd"></div></div><div class="clr"></div><div class="clr"></div><div class="rating_block hide ftr custom_ad"></div><div class="inSideInd"><div class="clearfix relTopics raltedTopics" data-ga-action="Widget Read More News"><h4 class="uc">Read More News on</h4><div><a data-track="ReadMore1" data-ga-onclick="1 - 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class="shareCmt flr"><div><h3 class="flt">Share this Comment:</h3><label><input name="chktwt" value="0" type="checkbox">Post to Twitter</label><div class="clr"></div></div><div class="flr"><input value="Post Comment" onclick="submitComment(this);" class="cmt_submit_btn" type="button"></div><div class="clr"></div><div class="clr"></div></div></div><input value="1" id="roaltdetails" name="roaltdetails" type="hidden"><input value="0" id="parentid" name="parentid" type="hidden"><input value="0" id="rootid" name="rootid" type="hidden"></form><div class="hidden cmtMsg"></div><h5 class="no_cmt_message"></h5></div><div id="populatecomment"><div class="cmtBox"></div></div></div></div><script type="application/ld+json">{ "@context": "https://schema.org", "@type": "NewsArticle", "inLanguage":"en", "keywords" : ["Bima-ASBA","IRDAI","insurance premium payment","insurance policy","Unified Payments Interface","UPI payment for insurance","blocked amount","one-time mandate","life insurance","health insurance"], "headline": "IRDAI launches Bima-ASBA via UPI to make insurance premium payment easier when you buy a policy", "description": "The new payment mechanism, aims to streamline the payment process for life and health insurance policies, will be effective from March 1, 2025, as per the IRDAI circular.", "datePublished": "2025-02-19T15:24:00+05:30", "dateModified": "2025-02-19T15:24:00+05:30", "url":"https://economictimes.indiatimes.com/wealth/insure/life-insurance/irdai-launches-bima-asba-via-upi-to-make-insurance-premium-payment-easier-when-you-buy-a-policy/articleshow/118384562.cms", "mainEntityOfPage":"https://economictimes.indiatimes.com/wealth/insure/life-insurance/irdai-launches-bima-asba-via-upi-to-make-insurance-premium-payment-easier-when-you-buy-a-policy/articleshow/118384562.cms", "articleSection" : "Wealth", "articleBody":"The Insurance Regulatory and Development Authority of India (IRDAI) has allowed policyholders to set aside funds for premiums through a new payment mechanism called Bima-ASBA (Applications Supported by Blocked Amount) via Unified Payments Interface (UPI). The initiative, which aims to streamline the payment process for life and health insurance policies, allows policyholders to block funds in their bank accounts for premium payments, ensuring smooth transactions without immediate debits, according to a circular by IRDAI on February 18, 2025.Also read: LIC’s Smart Pension Plan: Key features, eligibility, annuity options, death benefits and moreThe new payment mechanism will be effective from March 1, 2025, as per the IRDAI circular. “Under the facility called the Bima-Applications Supported by Blocked Amount (Bima-ASBA), the transfer of money from the prospect to the insurer happens only when an insurance policy is issued. In this facility, insurers can offer a one-time mandate for blocking a certain amount through UPI in the bank account for the concerned prospect,” the circular said.Introduction of one-time mandate (OTM) via UPICustomers can authorise insurers to block a specific amount in their bank accounts through the Unified Payments Interface (UPI) before the insurance proposal is accepted. The amount is debited only after the insurer approves the policy. If the proposal is not accepted, the blocked amount is released back to the customer.Blocking and unblocking of premium amountsThe blocked funds remain in the policyholder’s account until underwriting decisions are made. Upon issuance of the policy, the premium will be debited. If rejected, the amount will be automatically unblocked within one working day. The block is valid for a maximum of 14 days or until the underwriting decision is made.How a one-time mandate through UPI (Bima-ASBA) worksOpting for Bima-ASBA:When you apply for an insurance policy, you fill out a form that includes an option to allow your bank to block the premium amount in your account.Request for blocking funds:The insurance company sends a request to your bank (through its partner bank) to block the required amount in your account.Consent & blocking of funds:Your bank asks for your approval. Once you agree, the bank blocks the premium amount and notifies the insurance company.Funds remain blocked until decision:The money stays in your account but cannot be used for anything else until the insurer decides whether to accept your insurance application. It remains blocked for up to 14 days and may still earn interest.Payment on acceptance:If the insurer accepts your application, they inform you and request the bank to debit the blocked amount and transfer it to their account.Refund on rejection or cancellation:If the insurer rejects your application or if you cancel it, the blocked amount will return to your account without any deductions.As per the IRDAI circular, “In any case, if the insurer does not process the application within a period of 14 days, the blocked amount will be automatically unblocked through the partner bank by the insurer.”", "image": { "@type": "ImageObject", "url": "https://img.etimg.com/thumb/msid-118384686,resizemode-4,width-1200,height-900,imgsize-2475314,overlay-etwealth/articleshow.jpg", "width": 1200, "height": 900 }, "author": { "@type": "Person", "name": "Sneha Kulkarni" }, "publisher": { "@type": "NewsMediaOrganization", "name": "Economic Times", "logo": { "@type": "ImageObject", "url": "https://img.etimg.com/thumb/msid-76939477,width-600,height-60,quality-100/economictimes.jpg", "width": 600, "height": 60 } } , "isAccessibleForFree" : "https://schema.org/False", "hasPart": { "@type": "WebPageElement", "isAccessibleForFree": "https://schema.org/False", "cssSelector" : ".paywall" }, "isPartOf": { "@type": ["CreativeWork", "Product"], "name" : "Economic Times", "productID": "prime.economictimes.indiatimes.com:prime" } }</script><script type="application/ld+json"> { "@context": "https://schema.org/", "@type" : "WebPage", "name" : "IRDAI launches Bima-ASBA via UPI to make insurance premium payment easier when you buy a policy", "speakable" : { "@type": "SpeakableSpecification", "cssSelector" : [".article_wrap h1", ".artSyn h2"] }, "url": "https://economictimes.indiatimes.com/wealth/insure/life-insurance/irdai-launches-bima-asba-via-upi-to-make-insurance-premium-payment-easier-when-you-buy-a-policy/articleshow/118384562.cms" } </script><script type="text/javascript"> //set iframe height on load (function(){ $('#toispecials-iframe').height($(window).height()); })(); /* function scrollIframeToTop() { setTimeout(function() { $('body, html').animate({ scrollTop: $menuEl.offset().top }, 800); }, 500); } scrollIframeToTop(); */ </script><script> var countryCode = window.geoinfo && geoinfo.CountryCode; if (countryCode === "IN"){ $('.inSideInd').addClass("show"); $('.outsideInd').remove(); } else{ $('.outsideInd').addClass("show"); $('.inSideInd').remove(); } window.onload = function() { // setFont(); }; </script><div class="blocker_wrap hidden"><section class="font_mon login_blocker hidden"><div class="lb_head tac">Continue reading with one of these options:</div><div class="lb_box_cont"><div class="lb_box"><div class="lb_boxb"><div class="lb_boxh">Limited Access</div><div class="lb_boxt">Free</div><div class="lb_boxd">Login to get access to some exclusive stories<br> & personalised newsletters</div><div onclick="objPrimePaywall.cta('login')" class="lb_boxbtn">Login Now</div></div></div><div class="lb_box"><div class="lb_boxb"><div class="lb_boxh">Unlimited Access</div><div class="lb_boxt lb_pr">Starting @ Rs120/month</div><div class="lb_boxd">Get access to exclusive stories, expert opinions &<br> in-depth stock reports</div><div onclick="objPrimePaywall.cta('plan')" class="lb_boxbtn">Subscribe Now</div></div></div></div></section><div class="loader_box"><div class="spinner"><div class="loading-text">ET</div></div></div><section class="font_mon prime_paywall"><style> .articleBlockerWrap {width: 650px;background: #ffe9e2;height: 251px;display: none;margin: 2% auto 2%;box-shadow: 0 12px 20px 0 rgb(0 0 0 / 13%);} .articleBlocker {background: #ffe9e2;border: 7px solid white;padding: 28px 22px;width: 567px;margin: auto;text-align: left;position: relative;min-height: 149px;} .articleBlocker h4 {font-size: 24px;font-weight: bold;line-height: 1.27;} .articleBlocker p {font-size: 16px;margin: 15px 0;} .articleBlocker button {background: #ed193b;color: white;font-size: 16px;font-weight: 800;margin: auto;width: 215px;height: 37px;border-radius: 2px;position: absolute;animation: .18s linear infinite alternate slide;} @keyframes slide {from {left: 15px;}to {left: 30px;;}} .articleBlocker button:hover {animation-play-state: paused;cursor: pointer;} .articleBlocker img {position: absolute;right: 22px;height: 120px;bottom: 0;} </style><div data-paywall="true" data-grx-impression="Subscription Flow ET Articleshow Blocker#Scroll Blocker Impression#Blocker layer Viewed" class="articleBlockerWrap"><div class="articleBlocker"><h4>Uh-oh! 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right: 0; width: 220px; margin: 0 auto; height: 32px; display: flex; align-items: center; justify-content: center;} .limitedOfferLabel:before { background-image: linear-gradient(65deg, transparent 50%, #ffe9e2 50%); display: inline-block; content: ''; height: 32px; width: 17px; position: absolute; left: -16px;} .limitedOfferLabel:after { background-image: linear-gradient(-65deg, transparent 50%, #ffe9e2 50%); display: inline-block; content: ''; height: 32px; width: 17px; position: absolute; right: -16px;} .specialPrice {font-size: 32px; font-weight: 800;} .offer_details {font-size: 18px; font-weight: 500; margin-bottom: 20px;} .offer_subdetails {font-size: 16px; font-weight: 400; line-height: 19.5px; margin-top: 16px;} .paywall_login, .paywall_login_ftr {font-size: 18px;} .paywall_login_ftr {margin-top: 24px} .paywall_login span, .paywall_login_ftr span {color: #ed193b;cursor: pointer;text-decoration: underline} </style><div data-ga-category="Subscription Flow" data-paywall="true" data-grx-impression="Subscription Flow ET Articleshow Blocker#Scroll Blocker Impression#Blocker layer Viewed" class="brd_wrap generic_blocker_new_v2 hidden"><span class="limitedOfferLabel hide"></span><div class="paywall_login hidden">Already a Member? <span class="sign-in_btn">Sign In now</span></div><h3 class="paywall_msg"></h3><h3 class="bp_subheading">Unlock this story and enjoy all members-only benefits.</h3><p class="offer_details"></p><button data-ga-onclick="Subscription Flow ET#SYFT | Flow Started#Articleshow box CTA wBenefit" class="subscribe_btn">Subscribe Now</button><p class="offer_subdetails"></p><div class="paywall_login_ftr hidden">Already a Member? <span class="sign-in_btn">Sign In now</span></div><div class="campign_sec skip_inswg" style="background-color: #FFF0EC"><img class="lazy thumb_lft"><img class="lazy thumb_rgt"><div data-set="0" class="dyn_pricing_item hidden" data-minrange="0" data-maxrange="0.499999"><p class="heading">Offer Exclusively For You</p><p class="subheading">Save up to Rs. 700/-</p><p class="desc">ON ET PRIME MEMBERSHIP</p><a class="plans_btn">Avail Offer</a></div><div data-set="1" class="dyn_pricing_item hidden" data-minrange="0.5" data-maxrange="0.59999999"><p class="heading">Offer Exclusively For You</p><p class="subheading">Get 1 Year Free</p><p class="desc">With 1 and 2-Year ET prime membership</p><a class="plans_btn">Avail Offer</a></div><div data-set="2" class="dyn_pricing_item hidden" data-minrange="0.6" data-maxrange="0.69999999"><p class="heading">Offer Exclusively For You</p><p class="subheading">Get 1 Year Free</p><p class="desc">With 1 and 2-Year ET prime membership</p><a class="plans_btn">Avail Offer</a></div><div data-set="3" class="dyn_pricing_item hidden" data-minrange="0.7" data-maxrange="0.79999999"><p class="heading">Offer Exclusively For You</p><p class="subheading">Get Flat 40% Off</p><p class="desc">Then ₹ 1749 for 1 year</p><a class="plans_btn">Avail Offer</a></div><div data-set="4" class="dyn_pricing_item hidden" data-minrange="0.8" data-maxrange="1"><p class="heading">Offer Exclusively For You</p><p class="subheading">ET Prime at ₹ 49 for 1 month</p><p class="desc">Then ₹ 1749 for 1 year</p><a class="plans_btn">Avail Offer</a></div><div data-set="5" class="dyn_pricing_item hidden"><p class="heading">Special Offer</p><p class="subheading">Get flat 35% off on ETPrime</p><p class="desc"></p><a class="plans_btn">Avail Offer</a></div><div data-set="6" class="dyn_pricing_item hidden"><p class="heading"></p><p class="subheading"></p><p class="desc"></p><a class="plans_btn">Avail Offer</a></div><div class="stu_of"><a class="plans_btn" style="border: 0px; font-size: 18px; font-weight: 400; text-decoration: underline;"></a></div></div></div><style> .paywall_box:has(.trial_paywall_ab:not(.hidden)) {background: #ffe9e2; padding: 30px 0 1px;} .paywall_b:has(.trial_paywall_ab:not(.hidden)) {width: 70%; box-shadow: none; border: 10px solid #fff; margin: 0 auto 16px;} .trial_paywall_ab {font-family: Montserrat; text-align: center; padding: 30px 30px 0 30px; background: #fff;} .etarticles_blocker_trial_caption {font-size: 20px; font-weight: 400; line-height: 26px; } .etarticles_blocker_trial_header {font-family: Faustina; font-size: 48px; font-weight: 700; line-height: 55px; width: 700px; margin: 16px auto;} .etarticles_blocker_trial_contentbox {display: flex; align-items: center; justify-content: center;} .etarticles_blocker_trial_image { width: 560px; height: 377px;} .etarticles_blocker_trial_infotext {font-size: 24px; font-weight: 500; line-height: 34px;} .etarticles_blocker_trial_originalPrice {font-size: 32px; font-weight: 400; line-height: 40px; opacity: 50%} .etarticles_blocker_trial_salePrice {font-family: Faustina; font-size: 110px; font-weight: 700; line-height: 139px;} .etarticles_blocker_trial_disclaimer {font-size: 16px; font-weight: 400; line-height: 21px; opacity: 60%;margin: 10px auto; width: 320px;} .trial_cta {min-width: 283px; height: 55px; border-radius: 5px; background: #ed193b; color: #fff;font-size: 25px; font-weight: 700; font-family: 'Montserrat'; cursor: pointer; padding: 0 16px} .salePriceSymbol {font-size: 32px; margin-left: 8px;} .paywall_login {text-align: center;} .rhs_trialbox {width: 450px} </style><div data-grx-impression="Subscription Flow ET Articleshow Blocker#Scroll Blocker Impression#Blocker layer Viewed" class="trial_paywall_ab hidden"><p class="etarticles_blocker_trial_caption"></p><p class="etarticles_blocker_trial_header"></p><div class="etarticles_blocker_trial_contentbox"><img class="etarticles_blocker_trial_image"><div class="rhs_trialbox"><p class="etarticles_blocker_trial_infotext"></p><p><strike class="etarticles_blocker_trial_originalPrice"></strike><span><span class="salePriceSymbol">₹</span><span class="etarticles_blocker_trial_salePrice"></span></span><button data-ga-onclick="Subscription Flow ET#SYFT | Flow Started#Articleshow box CTA wBenefit" class="trial_cta"></button><p class="etarticles_blocker_trial_disclaimer"></p></p></div></div></div><style> .ipadapp_blocker {border: 10px solid #FFE9E2; padding: 33px; position: relative;} .ipad_title {font-size: 30px; padding-bottom: 10px; font-weight: 600;} .ipadapp_btn {font-size: 20px; color: #ffffff; font-weight: 500; background-color: #ed193b; display: inline-block; cursor: pointer; padding: 11px 30px; min-width: 150px; min-height: 24px; margin: 20px; text-decoration: none;} .ipadapp_btn:hover {text-decoration: none;} </style><div class="ipadapp_blocker hidden"><p class="ipad_title">90 Days Prime access worth Rs999 unlocked for you</p><a class="ipadapp_btn">Claim Now</a><div class="paywall_login">Already a Member? <span class="sign-in_btn">Sign In now</span></div></div></div></div><script> var isPaywallMoved = 0; // ET-17548 function storyCollectionLoad() { var _processNormal = function () { $('#paidSCWidget').attr('data-onload', '').removeClass('load_done').html(''); objLazyWidget.init(); } var bucketPercent = window.objVc && parseInt(objVc.missedStoryPercent) || 0; objCommon.forRandomUsers(bucketPercent, function () { try { var threshold = objVc.missedStoryDays || 7, minStoryCount = objVc.missedStoryMinCount || 0, gaLabel = objSec.secNames[objSec.secNames.length - 1]; var listStr = '', now = new Date(), thresholdDate = now.addDays(-1 * threshold); $.jStorage.index().filter(function(key) { return key.indexOf('et_primearticlelist') != -1}).forEach(function (key) { var dtStr = key.substr(20, 4) + '/' + key.substr(24, 2) + '/' + key.substr(26, 2) + " 23:59:59", dtObj = new Date(dtStr); if(dtObj > thresholdDate) { listStr += (listStr ? ',' : '') + $.jStorage.get(key).join(',') } }); function onlyUnique(value, index, self) { return self.indexOf(value) === index;} var listArr = listStr.split(',').filter(onlyUnique).reverse(); if(window.msid) {listArr.remove(msid+''); listArr.remove(parseInt(msid))}; console.log('listArr', listArr); // listArr =listArr.slice(0, minStoryCount); if(listArr.length >= minStoryCount) { listStr = listArr.join(','); $.ajax({ url: '/getalldetails_feed.cms?feedtype=etjson&platform=web', data: {ids: listStr}, success: function (data) { var listing = ''; if(data.Item) { data.Item.forEach(function (artNode, i) { var conttype = artNode.isPrime == "true" || artNode.hostid == 318 ? '100' : ''; var sectionName = artNode.sectionName || '-'; var clickEvent = 'Story Collection on Paywall - Click_Missed paid articles#' + sectionName + '#' + (i+1) + ' - href'; listing += '<li class="stry_item"><span class="title_block" title="' + artNode.hl + '" data-ga-onclick="' + clickEvent + '" href="' + artNode.ga + '" data-conttype="' + artNode.ga + '"><img title="' + artNode.hl + '" alt="' + artNode.hl + '" height="177" width="236" src="' + artNode.im + '"></span><div class="content"><a title="' + artNode.hl + '" data-ga-onclick="' + clickEvent + '" href="' + artNode.ga + '" class="stry_title font_faus" data-conttype="' + conttype + '" data-hostid="' + artNode.hostid + '">' + artNode.hl + '</a></div></li>'; }); } if(listing) { var h3 = "You tried reading " + listArr.length + " locked stories in the past " + threshold + " days.", h4 = "Become an ET Prime member and don't miss out on these exclusive stories."; var html = '<div data-ga-impression="Story Collection on Paywall - Impression_Missed paid articles#Story Collection on Paywall - Impression_Missed paid articles#url" id="paywallStoriesSlider_freeArt"><div class="prel"><h3 class="section_heading" style="margin-bottom: 10px;">' + h3 + '</h3><h4 class="section_heading2" style="font-size:24px;text-align: center;margin-bottom: 10px;font-weight: 500;">' + h4 + '</h4><div class="slider_listing_sc"><div class="overh"><div><ul class="listing_wrapper">' + listing + '</ul></div></div><div class="nextprev-btn"><span class="prev-btn leftarw abicon_sprite disable"></span><span class="next-btn rightarw abicon_sprite"></span></div><div class="ts-dots flt hide"></div></div></div></div>'; $('#paidSCWidget').html(html); var callback = $('#paidSCWidget').attr('data-callback'); if(callback && window[callback]) { window[callback](); } customDimension.dimension72 += ' | Shown SYFT no Trial_With Missed Paywalled Articles Collection'; } else { _processNormal() } } }); } else { _processNormal(); } } catch (e) { _processNormal(); } }, function () { _processNormal(); }); //console.log('storyCollectionLoad', $); } </script><div id="missedStoriesWidget"></div><div id="newArticleBlocker"></div><div id="benifitsSection"><div class="f_list"><h3 class="tac normal"><span class="prel">Why <span class="cSprite ePrime"></span>?</span></h3><ul></ul></div></div></section></div><div class="shadow_exitdlg"><div class="exitdlg_wrapper"><span class="close_btn"></span><p class="heading">Stories you might be interested in</p><ul></ul><div class="footer_nwsltr"><div class="flt"><span class="hdr_label">Subscribe to our</span><span class="subhdr_label">ET Investment Opportunities</span></div><div class="flr"><input placeholder="Enter your email id here" class="input_nwsltr" type="text"><button class="submit_btn" type="button">SUBMIT</button></div></div></div></div><script onerror="errorLogs(this)" src="https://economictimes.indiatimes.com/js_ettechpoll/v-5,minify-3.cms" type="text/javascript" defer></script><script> if(window.location.href.indexOf('.com/articleshow/') != -1){ grxEvent('event', {'event_category': 'articleshow', 'event_action': 'url_issue referrer: ' + document.referrer, 'event_label': window.location.href}); } </script></body></html>