Insurance 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 →