As per regulation 4 of IRDAI (issuance of e-insurance policies) Regulations, 2016, an insurer has to issue both physical and electronic insurance certificates to policyholders.source https://economictimes.indiatimes.com/industry/banking/finance/insure/majority-of-insurance-buyers-prefer-physical-copies-of-policy-document-survey/articleshow/87797564.cms
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