The important factors are as follows: You need to verify the policy type (Unit Linked/Conventional) before paying the premium that can be found in the policy document. This facility is only available for the active policies. You need to pay the exact amount as mentioned in your Renewal Premium Notice or Premium Reminder. Upon successful premium payment, the receipt will be sent to your communication address or registered email ID. No third party payment is accepted for eCMS except for the permissible third-party relationships which include spouses, Parents, Children, Grandparents, and Siblings.