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 ActsInsurance runs on health and financial data shared across TPAs, reinsurers and hospitals.
In short
Insurance uses health and financial data, among the most sensitive the Act covers, shared across a wide chain of partners. You need explicit consent, tight sharing controls, and to reconcile DPDP with IRDAI rules. Penalties reach ₹250 crore.
What changes for this sub-sector.
Underwriting and claims use health data; collect and share only what the policy needs, with clear consent.
TPAs, reinsurers, hospitals and aggregators are processors; contracts and oversight are on you.
Consent for underwriting is not consent for cross-sell; keep the purposes separate.
Insureds can access, correct and erase their data, subject to legal-retention needs.
DPDP sits alongside IRDAI regulations, not instead of them.
Niche guides for this area, each naming the specific regulation.
Start with consent and your sharing chain.
The readiness check surfaces health-data, sharing-chain and consent gaps.
Take the readiness check →Consultant-led and partner-backed.