Direct Tax
Consulting
ESG Advisory
Indirect Tax
Growth Advisory
Internal Audit
BFSI Audit
Industry Audit
Valuation
RBI Services
SEBI Services
IRDA Registration
AML Advisory
IBC Services
Recovery of Shares
NBFC Compliance
IRDA Compliance
Finance & Accounts
Payroll Compliance Services
HR Outsourcing
LPO
Fractional CFO
General Legal
Corporate Law
Debt Recovery
Select Country
Are you looking to launch your Insurance Self-Network Platform (ISNP)? Enterslice ensures end-to-end ISNP certification support with seamless documentation, audit readiness, and complete platform compliance as per IRDAI guidelines. We are leading the insurance industry with a 75% market share, best in the trade.
500000 +
500 +
50 +
GET FREE CONSULTATION
Rated at 4.8/5 22476+ Happy Reviews
Objectives of ISNP Certification Services Offered by ISNP Certification Eligibility Conditions Apply for ISNP Mandatory Documents Significance of ISNP Certification Key compliances IRDAI Compliance Requirements Why Trust Enterslice FAQs Schedule Meeting What ISNP Certification in India is all About? Are you an insurance company or broker looking for a platform to sell insurance policies online through your own e-commerce portal? If yes, you must obtain an ISNP Certification from the IRDAI (Insurance Regulatory and Development Authority of India). Both insurers and insurance intermediaries, such as brokers and corporate agents, are eligible to set up an ISNP. The Insurance Self Network Platform (ISNP) is an e-commerce framework introduced by IRDAI to strengthen and streamline digital insurance services. Its key objective is to expand digital insurance adoption and boost financial inclusion across India. Unlike traditional insurance distribution models, ISNP enables businesses to manage customer onboarding, policy issuance, policy information, and even claims handling directly through an online platform. This significantly simplifies operations, improves customer experience, and reduces transaction costs. To operate as an ISNP, companies must comply with IRDAI’s regulatory requirements and obtain ISNP certification online. Book a 1:1 virtual meeting with our IRDAI experts and save your effort and time in securing ISNP certification online. GWP to Reach Rs 25 Lakh Crore by 2030 Insurance Penetration to Reach 5% of GDP Focus on Financial Inclusion Increased Consumer Demand for Digital Services Cyber Insurance to Emerge as a Product AI Claim Automation is the Future Strengthen Your Digital Insurance Presence with ISNP Certification Connect with Enterslice for effortlessly obtaining ISNP certification and enjoy a secure digital insurance experience. Establish your position in India’s evolving insurance ecosystem with IRDAI-approved ISNP certification. Get Started Now What are the Objectives of ISNP Certification Online? The ISNP certification online allows the insurance sectors to develop and obtain various goals and objectives as mention below: Enhance Accessibility Through ISNP certification, the insurance services can reach to wider audience to even places which are not accessible in traditional method. It uses a digital tool or a platform that allow customers to compare and buy insurance policies through a online as fast as possible. International Expansion The UAE’s accession to the Madrid Protocol allows businesses to apply for international trademark protection in WIPO member countries. It further provides a way for registering trademarks in markets of the Middle East, Europe, and beyond. Streamline business operations The ISNP also remove the burden of maintaining policies in paper since its aim is to ease the insurance distribution process, lower paperwork and overall improve the management of the insurance policies, also facilitating faster service. Promote financial Inclusion By facilitating an online platform for insurance services, ISNP certification online promotes and encourages financial inclusion, thus enabling more people to participate in the insurance services. Ensure Compliance ISNP certification makes it mandatory for both insurance companies and brokers to fulfil the legal standards as per the IRDAI, thus ensuring open and responsible operations. Foster Innovation The ISNP platform supports the development of new insurance goods suited to consumer needs, ensuring consumer satisfaction and involvement. Data security While IRDAI ensure that ISNP digital platforms are strongly protected, ensuring customers' data is safe and secure, so that digital transactions are trusted among the customers. What are the Services Offered by the ISNP Certification Holders? The list of services offered by the ISNP certification holders is as follows: Policy Release Unlike the traditional method of lengthy paperwork, ISNP release the insurance policy papers quickly, including certificates of insurance and proposal forms. Medical Services The ISNP digital platform also schedules the medical checkups and files medical records that are needed for screening and claims handling. Policy Management The ISNP platform also allows for recommendations, changes in the policy terms and conditions and updates to personal information such as name and address. Premium Collection ISNP also handles the collection of the renewal fees and ensures quick transfer to insurers, overall simplifying the payment process. Claims Processing ISNP also improves the process of insurance claim management, allowing clients to track the status of their respective claims and receive the claim amount quickly. Customer Help The ISNP websites also offer specialized help for pre-sale questions and post-sale services, overall improving customer happiness. What are the Eligibility Conditions for ISNP Certification Online? The eligibility conditions for ISNP certification online are as mentioned below: The applicant must be an incorporated company or a Limited Liability Partnership (LLP). The business entity must appoint a Principal Officer. The applicant must comply with all the guidelines prescribed under Form ISNP-1. The applicant must demonstrate that the proposed e-commerce platform can automate processes effectively and ensure data privacy and protection at all times. The net worth for a single branch is Rs 5 lakh. Moreover, the net worth for multiple branches is Rs 10 lakh. The applicant must have a fully functional web or mobile-based platform capable of selling and servicing insurance policies across both life and non-life insurers. If the applicant is an insurer, they may onboard only insurance intermediaries on their ISNP. If the applicant is an insurance intermediary, they may onboard only insurers, not other intermediaries or agents. Onboarding any unregistered insurer or insurance intermediary may result in the cancellation of permission by the authority. How to Apply for ISNP Certification Online? The step-by-step process to apply for ISNP certification online for any insurer or intermediary intending to obtain an insurance e-commerce business in India is as follows: Submission of Form ISNP-1 The applicant must apply to IRDAI by submitting Form ISNP-1 to obtain prior permission for conducting insurance e-commerce activities in India. Submission of Documents & Fee Payment The applicant is required to submit all necessary documents along with the non-refundable application fee of ten thousand as prescribed under the regulations. Analysis of Application by IRDAI The authority reviews and analyses the application, verifying compliance with ISNP guidelines and checking the completeness of details and documents submitted. Rejection of Incomplete / Non-Compliant Applications IRDAI may reject the application if it is incomplete, incorrect, or does not comply with the ISNP registration requirements or regulatory guidelines. Grant of ISNP Approval If the authority is satisfied with the application and compliance status, it grants approval to the applicant, subject to adherence to all relevant ISNP regulations and conditions. What are the Mandatory Documents to Obtain ISNP Certification? The list of documents required for obtaining ISNP certification is as follows: Certificate of Incorporation Memorandum of Association (MOA) and Articles of Association (AOA) Details of Directors and Shareholders Business Description Document outlining the nature and scope of your proposed ISNP operations Details of Key Management Personnel Information on Security Measures implemented to prevent unauthorized access Disaster Recovery Procedure detailing how data and operations will be restored during system failures Details of Encryption Standards used to protect customer data Information on the Management Information System (MIS) that supports online insurance operations Source Code of the E-commerce Portal CERT-In Certification for the e-commerce platform From paperwork to platform audit, we make ISNP Certification effortless. What is the Significance of ISNP Certification? To promote the growth of the insurance sector in India and reduce the overall cost of issuing and servicing insurance policies, the Insurance Regulatory and Development Authority of India (IRDAI) encourages the use of e-commerce within the insurance ecosystem. ISNP certification in India is required for brokers, insurance companies, and intermediaries. According to a report by Google India, more customers are now inclined to purchase and renew insurance policies online. In line with this shift, insurers, insurance brokers, and corporate agents are allowed to sell and service insurance products through digital platforms provided they obtain permission from IRDAI in the form of ISNP Certification. E-commerce serves as an efficient channel to boost insurance penetration, enhance customer convenience, and support financial inclusion by offering insurance solutions in a cost-effective and accessible manner. Schedule Meeting What are the Key compliances under the ISNP Audit Checklist? The ISNP audit checklist covers various aspects of the ISNPs digital platform operations. Some of the important key compliance to be followed by ISPN certification holders are as follows: KYC Compliance According to the IRDAI, ISNPS must conduct e-KYC verifications of every customer or policyholder coming on board. This KYC verification should be done through an Aadhaar-based authentication or government-recognised documents. Policy Issuance ISNP must issue the policies in the form of a digital copy, like a PDF, to the concerned insurance policyholders. Further, it is a must for the ISNP to send the policies to an e-insurance account (eIA) within 15 days from the date of issuance. Data Security The customers' data and information must be securely protected to prevent potential breaches. Therefore, undertaking regular vulnerability assessments and audits of how customer data is addressed and managed is essential. It is one of the key compliances under the ISNP audit checklist. Customer Communication ISNP must ensure that the account cannot be created unless the user has a valid email ID or phone number. While all OTPs and updates must be shared only with registered contact details. Audit and Record Maintenance All the documents related to transactions and account creations must be maintained systematically, and the past audit records should be kept in a dedicated record for future reference. What are the IRDAI Compliance Requirements for ISNP Certification? Entities with ISNP certification, whether insurers or insurance intermediaries, must ensure ongoing compliance with the following IRDAI-mandated obligations: Annual System Audit :- All controls, procedures, systems, and safeguards implemented on the ISNP must undergo an annual review. This audit must be conducted by an external qualified professional, such as a CISA, a CA with DISA (ICAI), or a CERT-IN empanelled expert. Reporting of Critical Audit Findings :- Any adverse findings from the audit that could impact ISNP operations or potentially harm policyholders must be promptly reported to the IRDAI, along with a corrective action plan. Oversight of ISNP Operations :- Insurers operating an ISNP must ensure the individuals managing the platform adhere to the prescribed code of conduct. Additionally, all website information, processes, procedures, and mechanisms must remain accessible at all times for verification and regulatory scrutiny. Enrolment of Authorized Market Participants Only :- The ISNP must onboard only those entities that possess a valid IRDAI Certificate of Registration. It must also ensure that participants display and disclose only IRDAI-approved product features and refrain from sharing information that may disadvantage policyholders. Regulatory Conduct and Reporting :- The platform must maintain a strict code of conduct when providing policy-related information, submit periodic returns as directed, and fully cooperate with any inquiry initiated by the Authority. Fraud Detection Framework :- A board-approved proactive fraud detection policy and process must be established and implemented. Record-Keeping and SOP Maintenance :- The ISNP must maintain updated records, operational SOPs, and ensure adequate supervision in line with IRDAI guidelines. Reporting of External Regulatory Actions :- Any action taken by a government or regulatory authority against the applicant must be reported to the IRDAI. Annual Compliance Certification :- The applicant’s CEO and Compliance Officer must file an annual compliance certificate confirming adherence to all applicable ISNP guidelines. Why Partner with Enterslice for ISNP Certification? With over a decade of expertise in insurance compliance and regulatory advisory, Enterslice is a trusted partner for obtaining ISNP Certification in India. We provide complete legal, technical, and documentation support to ensure your platform meets all IRDAI requirements. Here’s why businesses choose us: Comprehensive Pre-Assessment & ISNP Audit Checklist to identify compliance gaps before filing Expert Assistance in Filing ISNP Certification Applications, including preparation of Form ISNP-1 Fast & Accurate Submission of all technical documents, security measures, and operational procedures End-to-End Compliance Support aligned with IRDAI’s Insurance E-commerce Guidelines Cybersecurity & Data Protection Advisory to help your platform meet all mandatory safeguards Drafting & Review of SOPs, ISNP Policies, and Operational Frameworks Continuous Regulatory Monitoring to ensure adherence to audits, renewals, and reporting obligations Transparent Fee Structure with No Hidden Costs 24/7 Dedicated Support for all compliance and IRDAI-related queries Specialized Legal Advisory from experts in insurance, fintech, and regulatory law FAQs on ISNP Certification Online What is the Validity of ISNP Certification? The validity of an Insurance Self Network Platform (ISNP) certification is directly linked to the status of the entity’s registration. For insurance intermediaries, the ISNP license remains valid only as long as their Certificate of Registration is in force. However, for insurers, the ISNP approval remains valid unless it is specifically revoked or cancelled by the Authority. What is EIA? EIA, which stands for e-Insurance Account, is a secure digital account that stores all insurance policy-related documents, such as policyholder details, in an electronic form. As per the ISNP regulatory framework, customers must have an active eIA before initiating any transactions on the platform. Further, the IRDAI has authorized four Insurance Repositories, i.e., Insurance Account. According to the regulatory guidelines, every insurer or ISNP registered intermediary, like brokers, corporate agents and web aggregators, must facilitate the creation of eIA for the customer within 15 days of issuing the policy. What is an Insurance Self Network Platform (ISNP)? An Insurance Self Network Platform (ISNP) is an electronic platform that an insurer or insurance intermediary can set up with prior approval from the Insurance Regulatory and Development Authority of India (IRDAI). This platform allows them to sell, distribute, and service insurance products online in a secure and regulated manner. Who can Setup ISNP? ISNP can be set up by any insurer or insurance intermediary, such as Brokers, Corporate agents and web aggregators. Do we need to pass any exam or apply for permission to set up ISNP? No, you do not need to pass any exam to set up ISNP, though you need to have a Web or Mobile platform to sell and service insurance policies across life and non-life insurance companies. I am an insurance tied agent. Can I set up ISNP? No, you cannot set up ISNP, while you need to use the existing platform of the respective insurance company. How long does it take to get the approvals for ISNP certification? Your application for ISNP certification is pre-approved as long as, per your declaration of your readiness, however, a period of 60 days is given to get certified on the platform. What services can be offered on ISNP? The list of services that can be offered on ISNP is as follows: Issuance and crediting of the Policy Document/Certificates of insurance/Proposal Form/ Medical reports, etc. Organizing medical check-ups and submitting medical reports Endorsement Issuance Change in Policy Terms & Conditions / Details Change Collection of renewal premiums & remittance to insurers Change in Name/Address Assignment Registration Nomination/Change of Nomination Surrender, Withdrawals, Freelook Cancellations, Maturity, Return Benefit Payouts Loan Against Policy Fund Switching/Premium Redirection Update Declarations Extension of Cover Revival/Policy Cancellation Transfer of Policy Duplicate Policy Death/Maturity Claims Other Service operations may be specific to the products Is it mandatory to have EIA customers before transacting on ISNP? Yes, you must facilitate the opening of the eIA for the customers within 15 days of issuing the policy at the customer's willingness. With respect to ISNP, what kind of activities cannot be undertaken by the applicant? The applicant cannot conduct a business that is detrimental to policyholders, and it should not manipulate insurance business for profits. It should not accept redirected traffic from those websites that do not fall under the insurance domain.
Are you an insurance company or broker looking for a platform to sell insurance policies online through your own e-commerce portal? If yes, you must obtain an ISNP Certification from the IRDAI (Insurance Regulatory and Development Authority of India). Both insurers and insurance intermediaries, such as brokers and corporate agents, are eligible to set up an ISNP.
The Insurance Self Network Platform (ISNP) is an e-commerce framework introduced by IRDAI to strengthen and streamline digital insurance services. Its key objective is to expand digital insurance adoption and boost financial inclusion across India.
Unlike traditional insurance distribution models, ISNP enables businesses to manage customer onboarding, policy issuance, policy information, and even claims handling directly through an online platform. This significantly simplifies operations, improves customer experience, and reduces transaction costs.
To operate as an ISNP, companies must comply with IRDAI’s regulatory requirements and obtain ISNP certification online. Book a 1:1 virtual meeting with our IRDAI experts and save your effort and time in securing ISNP certification online.
GWP to Reach Rs 25 Lakh Crore by 2030
Insurance Penetration to Reach 5% of GDP
Focus on Financial Inclusion
Increased Consumer Demand for Digital Services
Cyber Insurance to Emerge as a Product
AI Claim Automation is the Future
Connect with Enterslice for effortlessly obtaining ISNP certification and enjoy a secure digital insurance experience. Establish your position in India’s evolving insurance ecosystem with IRDAI-approved ISNP certification.
The ISNP certification online allows the insurance sectors to develop and obtain various goals and objectives as mention below:
Through ISNP certification, the insurance services can reach to wider audience to even places which are not accessible in traditional method. It uses a digital tool or a platform that allow customers to compare and buy insurance policies through a online as fast as possible.
The UAE’s accession to the Madrid Protocol allows businesses to apply for international trademark protection in WIPO member countries. It further provides a way for registering trademarks in markets of the Middle East, Europe, and beyond.
The ISNP also remove the burden of maintaining policies in paper since its aim is to ease the insurance distribution process, lower paperwork and overall improve the management of the insurance policies, also facilitating faster service.
By facilitating an online platform for insurance services, ISNP certification online promotes and encourages financial inclusion, thus enabling more people to participate in the insurance services.
ISNP certification makes it mandatory for both insurance companies and brokers to fulfil the legal standards as per the IRDAI, thus ensuring open and responsible operations.
The ISNP platform supports the development of new insurance goods suited to consumer needs, ensuring consumer satisfaction and involvement.
While IRDAI ensure that ISNP digital platforms are strongly protected, ensuring customers' data is safe and secure, so that digital transactions are trusted among the customers.
The list of services offered by the ISNP certification holders is as follows:
Unlike the traditional method of lengthy paperwork, ISNP release the insurance policy papers quickly, including certificates of insurance and proposal forms.
The ISNP digital platform also schedules the medical checkups and files medical records that are needed for screening and claims handling.
The ISNP platform also allows for recommendations, changes in the policy terms and conditions and updates to personal information such as name and address.
ISNP also handles the collection of the renewal fees and ensures quick transfer to insurers, overall simplifying the payment process.
ISNP also improves the process of insurance claim management, allowing clients to track the status of their respective claims and receive the claim amount quickly.
The ISNP websites also offer specialized help for pre-sale questions and post-sale services, overall improving customer happiness.
The eligibility conditions for ISNP certification online are as mentioned below:
The applicant must be an incorporated company or a Limited Liability Partnership (LLP).
The business entity must appoint a Principal Officer.
The applicant must comply with all the guidelines prescribed under Form ISNP-1.
The applicant must demonstrate that the proposed e-commerce platform can automate processes effectively and ensure data privacy and protection at all times.
The net worth for a single branch is Rs 5 lakh. Moreover, the net worth for multiple branches is Rs 10 lakh.
The applicant must have a fully functional web or mobile-based platform capable of selling and servicing insurance policies across both life and non-life insurers.
If the applicant is an insurer, they may onboard only insurance intermediaries on their ISNP.
If the applicant is an insurance intermediary, they may onboard only insurers, not other intermediaries or agents.
Onboarding any unregistered insurer or insurance intermediary may result in the cancellation of permission by the authority.
The step-by-step process to apply for ISNP certification online for any insurer or intermediary intending to obtain an insurance e-commerce business in India is as follows:
The applicant must apply to IRDAI by submitting Form ISNP-1 to obtain prior permission for conducting insurance e-commerce activities in India.
The applicant is required to submit all necessary documents along with the non-refundable application fee of ten thousand as prescribed under the regulations.
The authority reviews and analyses the application, verifying compliance with ISNP guidelines and checking the completeness of details and documents submitted.
IRDAI may reject the application if it is incomplete, incorrect, or does not comply with the ISNP registration requirements or regulatory guidelines.
If the authority is satisfied with the application and compliance status, it grants approval to the applicant, subject to adherence to all relevant ISNP regulations and conditions.
The list of documents required for obtaining ISNP certification is as follows:
Certificate of Incorporation
Memorandum of Association (MOA) and Articles of Association (AOA)
Details of Directors and Shareholders
Business Description Document outlining the nature and scope of your proposed ISNP operations
Details of Key Management Personnel
Information on Security Measures implemented to prevent unauthorized access
Disaster Recovery Procedure detailing how data and operations will be restored during system failures
Details of Encryption Standards used to protect customer data
Information on the Management Information System (MIS) that supports online insurance operations
Source Code of the E-commerce Portal
CERT-In Certification for the e-commerce platform
From paperwork to platform audit, we make ISNP Certification effortless.
To promote the growth of the insurance sector in India and reduce the overall cost of issuing and servicing insurance policies, the Insurance Regulatory and Development Authority of India (IRDAI) encourages the use of e-commerce within the insurance ecosystem. ISNP certification in India is required for brokers, insurance companies, and intermediaries. According to a report by Google India, more customers are now inclined to purchase and renew insurance policies online.
In line with this shift, insurers, insurance brokers, and corporate agents are allowed to sell and service insurance products through digital platforms provided they obtain permission from IRDAI in the form of ISNP Certification.
E-commerce serves as an efficient channel to boost insurance penetration, enhance customer convenience, and support financial inclusion by offering insurance solutions in a cost-effective and accessible manner.
The ISNP audit checklist covers various aspects of the ISNPs digital platform operations. Some of the important key compliance to be followed by ISPN certification holders are as follows:
According to the IRDAI, ISNPS must conduct e-KYC verifications of every customer or policyholder coming on board. This KYC verification should be done through an Aadhaar-based authentication or government-recognised documents.
ISNP must issue the policies in the form of a digital copy, like a PDF, to the concerned insurance policyholders. Further, it is a must for the ISNP to send the policies to an e-insurance account (eIA) within 15 days from the date of issuance.
The customers' data and information must be securely protected to prevent potential breaches. Therefore, undertaking regular vulnerability assessments and audits of how customer data is addressed and managed is essential. It is one of the key compliances under the ISNP audit checklist.
ISNP must ensure that the account cannot be created unless the user has a valid email ID or phone number. While all OTPs and updates must be shared only with registered contact details.
All the documents related to transactions and account creations must be maintained systematically, and the past audit records should be kept in a dedicated record for future reference.
Entities with ISNP certification, whether insurers or insurance intermediaries, must ensure ongoing compliance with the following IRDAI-mandated obligations:
With over a decade of expertise in insurance compliance and regulatory advisory, Enterslice is a trusted partner for obtaining ISNP Certification in India. We provide complete legal, technical, and documentation support to ensure your platform meets all IRDAI requirements. Here’s why businesses choose us:
The validity of an Insurance Self Network Platform (ISNP) certification is directly linked to the status of the entity’s registration. For insurance intermediaries, the ISNP license remains valid only as long as their Certificate of Registration is in force. However, for insurers, the ISNP approval remains valid unless it is specifically revoked or cancelled by the Authority.
EIA, which stands for e-Insurance Account, is a secure digital account that stores all insurance policy-related documents, such as policyholder details, in an electronic form. As per the ISNP regulatory framework, customers must have an active eIA before initiating any transactions on the platform. Further, the IRDAI has authorized four Insurance Repositories, i.e., Insurance Account. According to the regulatory guidelines, every insurer or ISNP registered intermediary, like brokers, corporate agents and web aggregators, must facilitate the creation of eIA for the customer within 15 days of issuing the policy.
An Insurance Self Network Platform (ISNP) is an electronic platform that an insurer or insurance intermediary can set up with prior approval from the Insurance Regulatory and Development Authority of India (IRDAI). This platform allows them to sell, distribute, and service insurance products online in a secure and regulated manner.
ISNP can be set up by any insurer or insurance intermediary, such as Brokers, Corporate agents and web aggregators.
No, you do not need to pass any exam to set up ISNP, though you need to have a Web or Mobile platform to sell and service insurance policies across life and non-life insurance companies.
No, you cannot set up ISNP, while you need to use the existing platform of the respective insurance company.
Your application for ISNP certification is pre-approved as long as, per your declaration of your readiness, however, a period of 60 days is given to get certified on the platform.
The list of services that can be offered on ISNP is as follows:
Yes, you must facilitate the opening of the eIA for the customers within 15 days of issuing the policy at the customer's willingness.
The applicant cannot conduct a business that is detrimental to policyholders, and it should not manipulate insurance business for profits. It should not accept redirected traffic from those websites that do not fall under the insurance domain.
Red Herring Top 100 Asia enlists outstanding entrepreneurs and promising companies. It selects the award winners from approximately 2000 privately financed companies each year in the Asia. Since 1996, Red Herring has kept tabs on these up-and-comers. Red Herring editors were among the first to recognize that companies such as Google, Facebook, Kakao, Alibaba, Twitter, Rakuten, Salesforce.com, Xiaomi and YouTube would change the way we live and work.
Researchers have found out that organization using new technologies in their accounting and tax have better productivity as compared to those using the traditional methods. Complying with the recent technological trends in the accounting industry, Enterslice was formed to focus on the emerging start up companies and bring innovation in their traditional Chartered Accountants & Legal profession services, disrupt traditional Chartered Accountants practice mechanism & Lawyers.
-- Testimonials
โEntersliceโs ISNP certification support was excellent โ clear steps, expert guidance and comprehensive prep ensured success.โ
Verified Customer
โVery professional service! Enterslice helped us achieve ISNP certification with confidence and thorough guidance.โ
Stay updated with all the latest legal updates. Just enter your email address and subscribe for free!
Login
Get Started
WhatsApp
(+91) 9870310368 
(+1) 6292766228