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What is DigiLocker?
Imagine a secure place where you can store all your important documents digitally and access them anytime, anywhere. That's exactly what DigiLocker offers!
Launched by the Government of India, DigiLocker is a cloud-based platform that allows you to store and manage your essential documents electronically. Ditch the bulky files and say goodbye to the hassles of carrying physical documents.
Let's do a deep dive into the numerous benefits DigiLocker offers and how it can simplify your life, especially when it comes to managing your life insurance policies.
Benefits of DigiLocker
The Indian government envisioned DigiLocker (launched in 2015) as a solution to promote a paperless society and empower citizens with convenient and secure document management. It aims to streamline processes, reduce reliance on physical documents, and enhance document accessibility for all.
DigiLocker brings a wave of convenience and security to document management. You can enjoy several key benefits. Firstly, paperless convenience eliminates the need to carry physical documents, allowing you to access your important files from anywhere with an internet connection. Enhanced security is ensured as DigiLocker employs robust security measures to safeguard your documents.
Additionally, the risk of loss or damage is significantly reduced, meaning you no longer need to worry about misplaced or damaged documents; your digital copies are safe and sound in DigiLocker. Faster document sharing becomes possible as you can share your documents electronically with authorised entities quickly, saving time and effort. Opting for digital storage is also environment-friendly, contributing to a greener environment by reducing paper usage. Improved accessibility allows you to access your documents 24/7, eliminating the need to visit issuing authorities for copies.
Finally, DigiLocker ensures that you always have access to the latest versions of your documents issued by authorised agencies directly in your DigiLocker.
How Does it Work?
Using DigiLocker is a breeze. Here's a quick guide:
- Download the DigiLocker app on your smartphone or visit the official website (https://digilocker.gov.in/).
- Next, register using your Aadhaar card or mobile number. Then, link your Aadhaar card to your DigiLocker account for seamless verification and access to government-issued documents.
- Look for the DigiLocker logo on websites or offices of government agencies that issue documents you want to store. These agencies can push your documents directly into your DigiLocker.
- You can also upload scanned copies of your own documents (following specified formats) for safekeeping.
- To share documents with authorised entities, simply select the document and choose the recipient from your DigiLocker contacts.
How Is DigiLocker Beneficial for Policyholders?
For policyholders, DigiLocker offers a treasure trove of benefits. It provides safe storage for your policy documents, allowing you to securely store all your insurance policies, including life insurance policy, health insurance, vehicle insurance, and more, in one place.
This ensures easy access for claims processing, so you no longer need to scramble to find your policy documents during claim filing; you can retrieve them instantly from your DigiLocker for a smoother claims process. The reduced risk of document loss eliminates the worry of losing your original policy documents, which can delay claim settlements. Verification is made easy as you can conveniently share your policy documents electronically with insurance companies when needed.
Additionally, you can track policy updates and receive notifications directly in your DigiLocker, ensuring you stay informed. Imagine you need to file a claim for a medical emergency. Traditionally, this might involve frantically searching for your health insurance policy documents, potentially delaying the claim process. With DigiLocker, you can simply access your policy electronically within seconds, expediting the claim submission and reducing stress during a challenging time.
What are the Advantages of Using DigiLocker?
Beyond the benefits of DigiLocker mentioned above, it offers several additional advantages. It is universally accepted, increasingly being recognised by various government and private entities for document verification. It reduces forgery risks as digital documents stored in DigiLocker are tamper-proof, minimising the likelihood of forgery. This platform saves time and money by avoiding the hassle and cost of repeatedly obtaining physical document copies. In terms of disaster preparedness, your crucial documents remain safe and accessible in DigiLocker in case of unforeseen circumstances. Lastly, DigiLocker promotes digital governance by contributing to India's digital transformation and encouraging paperless processes.
What are the documents supported for DigiLocker?
DigiLocker allows you to store a wide range of documents electronically, including driving licenses, PAN cards, Aadhaar cards, educational certificates, insurance policies issued by DigiLocker integrated insurers, and other government-issued documents. Additionally, the capability to store passports will be available soon.
FAQs
Here are answers to some frequently asked questions about DigiLocker.
Is there a fee to sign up for the DigitalLocker Facility?
No, signing up and using DigiLocker is completely free. The government initiative aims to promote digital document management for all citizens.
How to change my registered mobile number in my Digilocker?
You can update your registered mobile number through the DigiLocker website or app by following the provided instructions.
What are the allowed formats of files that can be stored in Digilocker?
DigiLocker allows uploading scanned documents in specific formats, such as PDF, PNG, and JPEG. To ensure a successful upload, ensure your files meet the size restrictions.
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