Ch IPreliminary
S.1 Short title and commencementS.2 DefinitionsS.3 Application and scopeCh IIObligations of Data Fiduciary
S.4 Grounds for processingS.5 NoticeS.6 ConsentS.7 Certain legitimate usesS.8 Data Fiduciary obligationsS.9 Children’s dataS.10 Significant Data FiduciaryCh IIIRights and duties of Data Principal
S.11 Right to accessS.12 Correction and erasureS.13 Grievance redressalS.14 Right to nominateS.15 Duties of the Data PrincipalCh IVSpecial provisions
S.16 Transfer outside IndiaS.17 ExemptionsCh VData Protection Board of India
S.18 Establishment of the BoardS.19 Composition of the BoardS.20 Salary and term of officeS.21 DisqualificationsS.22 Resignation and vacanciesS.23 Proceedings of the BoardS.24 Officers and employeesS.25 Members as public servantsS.26 Powers of the ChairpersonCh VIBoard powers and procedure
S.27 Powers and functions of the BoardS.28 Procedure followed by the BoardCh VIIAppeal and dispute resolution
S.29 Appeal to the Appellate TribunalS.30 Tribunal orders as a decreeS.31 Alternate dispute resolutionS.32 Voluntary undertakingCh VIIIPenalties
S.33 Penalties and the ScheduleS.34 Penalties to Consolidated FundCh IXMiscellaneous
S.35 Good-faith protectionS.36 Power to call for informationS.37 Blocking of accessS.38 Consistency with other lawsS.39 Bar of jurisdictionS.40 Power to make rulesS.41 Laying of rules before ParliamentS.42 Power to amend the ScheduleS.43 Power to remove difficultiesS.44 Amendments to other ActsHealth insurers process health and financial data across TPAs, hospitals and reinsurers, under IRDAI rules and increasingly ABDM.
In short
Health insurers handle health and financial data, high-risk under the Act harm-based approach, shared across a wide chain. IRDAI regulations and, increasingly, ABDM apply alongside the DPDP Act. Explicit consent, tight sharing controls and strong security are central. Penalties reach ₹250 crore.
What changes for this niche, and the specific rule it turns on.
Underwriting and claims use health data; collect and share only what the policy needs, with clear consent, and secure it strongly.
TPAs, hospitals, reinsurers and aggregators are processors; contracts and oversight are on the insurer.
Consent for underwriting is not consent for cross-sell; keep purposes separate.
IRDAI regulations and ABDM health-data flows apply alongside the DPDP Act, not instead of it.
Insureds can access, correct and erase their data, subject to IRDAI record-retention needs.
Short, cite-able answers, mirrored in FAQPage schema.
Fix consent scope and the sharing chain first.
The readiness check flags health-data, sharing-chain and consent gaps.
Take the readiness check →Consultant-led and partner-backed.