November 2025

What Is IRDAI ISNP? A Simple Guide for Insurers The Insurance Regulatory and Development Authority of India (IRDAI) has introduced several frameworks to support secure, transparent and digital insurance operations. One such key initiative is the Insurance Self-Network Platform (ISNP). If you’re an insurer or intermediary exploring digital sales channels, understanding IRDAI ISNP is essential. This guide explains what it is, who needs it, the core compliance requirements, and how to simplify implementation. At Lumiverse Solutions Pvt. Ltd., we help insurers and intermediaries streamline their ISNP compliance journey through secure, audit-ready, and IRDAI-aligned solutions. What Is IRDAI ISNP? ISNP (Insurance Self-Network Platform) is a framework that allows insurers and intermediaries such as brokers, corporate agents, or web aggregators—to sell insurance products online through their own digital platforms, with prior approval from IRDAI. In simple terms, it is a self-managed online portal where insurance products can be: Marketed to prospects and customers Sold through secure digital customer journeys Serviced via self-service options and assisted workflows All of this must be done in line with IRDAI’s regulations on security, process controls, data protection, and fair customer treatment. Why Did IRDAI Introduce ISNP? IRDAI’s ISNP framework is designed to: Promote digital transformation in the insurance ecosystem Improve customer experience through seamless self-service journeys Ensure security and data protection in online insurance transactions Bring standardisation and oversight to digital insurance distribution Who Needs an ISNP? You may need to set up an ISNP if you are: An Insurance Company (Life, General or Health) selling policies online A Corporate Agent or Web Aggregator using digital channels for lead generation and sales An Insurance Broker offering digital customer engagement and advisory journeys Any Insurance Intermediary expanding distribution using websites, mobile apps, or digital portals Each of these entities must obtain IRDAI approval before launching their ISNP and must operate in line with IRDAI’s technical, operational, and security guidelines. Key Requirements for IRDAI ISNP Compliance IRDAI’s ISNP framework lays down multiple checkpoints around technology, security, process and governance. Some of the core requirements include: 1. Secure Hosting Infrastructure Your ISNP must be hosted on a secure, compliant infrastructure, preferably within India, with proper encryption, network security and access control in place. 2. Data Privacy and Protection All customer data—proposal details, policy information, KYC data, health details, and payment information—must be handled using data protection best practices and applicable privacy laws. 3. Audit & Continuous Monitoring Regular security audits and Vulnerability Assessment & Penetration Testing (VAPT) are essential to identify and fix weaknesses in the platform. 4. Transaction Logs & Record Keeping The ISNP must maintain detailed logs of all user interactions and policy transactions for traceability and dispute resolution. 5. Grievance Redressal & Customer Support A clear, easy-to-access grievance redressal system must be available on the platform with defined turnaround times and escalation paths. Failing to meet IRDAI requirements can lead to penalties, restrictions on platform operations, or even suspension of the ISNP approval. Benefits of Implementing an ISNP When implemented correctly, a compliant ISNP offers strategic advantages: ✓ Direct Customer Engagement: Build long-term relationships without depending only on third-party marketplaces. ✓ Operational Efficiency: Automate onboarding, proposal management, issuance, and servicing. ✓ Regulatory Transparency: Demonstrate compliance through clear logs, reports and structured workflows. ✓ Business Scalability: Easily scale to new products, partners and geographies within India. ✓ Enhanced Security: Protect customer data and brand reputation with strong cyber security controls. How Lumiverse Solutions Helps with IRDAI ISNP Compliance At Lumiverse Solutions Pvt. Ltd., we specialise in delivering end-to-end ISNP compliance and implementation support, so insurance players can focus on business growth while staying safe and compliant. IRDAI ISNP Gap Assessment & Readiness Audit Vulnerability Assessment & Penetration Testing (VAPT) Data Security, Governance & Compliance Consulting ISNP Hosting Architecture & Infrastructure Security Setup Policy, process and documentation support for IRDAI submissions We align our solutions with IRDAI’s technical and operational expectations to ensure your ISNP is compliant, resilient, and future-ready. Conclusion In an increasingly digital insurance landscape, IRDAI ISNP provides a structured way to reach customers faster, safer and more transparently. However, meeting the compliance bar requires a blend of the right technology, security practices, and regulatory understanding. Partner with Lumiverse Solutions Pvt. Ltd. to simplify your ISNP journey—from readiness assessment to secure implementation and ongoing hardening. Let’s build your compliant, customer-first digital insurance platform today. Planning to launch or upgrade your ISNP? Get an ISNP readiness assessment, security review and implementation roadmap from Lumiverse Solutions. Talk to an ISNP Expert Explore More: IRDAI ISNP Compliance Services Vulnerability Assessment & Penetration Testing (VAPT) Reference: IRDAI — Insurance Self-Network Platform Guidelines Frequently Asked Questions — IRDAI ISNP Q1. What is IRDAI ISNP in simple terms? ISNP (Insurance Self-Network Platform) is an IRDAI-approved digital platform where insurers and intermediaries can market, sell and service insurance products directly to customers through their own website or app, instead of relying only on third-party marketplaces. Q2. Who can apply for an ISNP? Life, General and Health insurers, corporate agents, web aggregators, and insurance brokers can apply for ISNP approval if they wish to use digital platforms for sales, lead generation or servicing in a compliant way. Q3. Is ISNP mandatory for selling insurance online? If you are using your own digital platform for marketing, sales, or servicing of insurance products, IRDAI expects you to operate under authorised frameworks such as ISNP and follow the applicable guidelines and approvals. Q4. What are the main technical requirements for ISNP? Key technical requirements include secure hosting (preferably in India), encryption, proper access control, regular VAPT, transaction logging, uptime and performance monitoring, and integration of secure payment and policy systems. Q5. What happens if an ISNP is not compliant? Non-compliance can lead to regulatory observations, restrictions, penalties, and in serious cases, suspension or withdrawal of ISNP approval. It may also expose the organisation to cyber risks, legal disputes, and reputational damage. Q6. How is ISNP different from a web aggregator model? In a web aggregator model, a regulated aggregator compares and displays products from multiple insurers

Understanding DPDP 2025 Rules: Key Changes, Compliance Requirements, and Next Steps The Digital Personal Data Protection (DPDP) Act 2023 has officially changed the way Indian businesses collect, store, and use personal data. While many companies understand the basics of the Act, the recent DPDP 2025 Rules add clarity and responsibility to day-to-day operations. If you’re a business leader, marketer, compliance head, or simply someone trying to make sense of these requirements, this human-friendly guide walks you through: What’s newly introduced What’s enforceable right now What your organization should start preparing for At Lumiverse Solutions Pvt. Ltd. we simplify compliance so businesses can stay secure without losing focus on growth. What’s New in the DPDP 2025 Rules? The new rules go beyond the Act and offer practical guidance for implementation. Here’s what’s notably new: 1. Clearer Consent Framework The Rules now define exactly how consent should look: Simple language Purpose-specific Unticked checkboxes (no pre-selected consent) Easy withdrawal process This ensures users understand what they are agreeing to and businesses follow transparent practices. 2. Mandatory Notice Format Organizations must now provide a DPDP-compliant notice explaining: What data is collected Why it’s collected How long it will be stored Who it will be shared with How users can file grievances This is one of the most practical additions, especially for websites, mobile apps, and onboarding journeys. 3. Stronger Child Data Regulations The DPDP 2025 Rules bring more clarity for handling data of individuals under 18. Companies must implement: Age verification mechanisms Parental consent workflows Zero tolerance for harmful or targeted content This is especially relevant to ed-tech platforms, gaming apps, and e-commerce businesses. 4. Data Retention & Deletion Standards Businesses must now document and justify how long they keep user data. Once the purpose is fulfilled, data must be deleted with no exceptions. 5. Expanded Duties for Data Fiduciaries The Rules specify operational duties such as: Regular security audits Data breach reporting timelines Appointing a Data Protection Officer (DPO) for Significant Data Fiduciaries Clear vendor and third-party management processes What’s Enforceable Right Now? Some parts of the DPDP 2025 Rules are already enforceable and must be implemented without delay. ✔ Consent ManagementEvery business collecting personal data must ensure their consent mechanism follows the latest rulebook. ✔ Data Breach ReportingCompanies must notify the Data Protection Board and affected users of any breach. ✔ Purpose LimitationYou cannot collect more data than needed for a specific business purpose. ✔ User Rights EnablementBusinesses must offer simple ways for users to: access their data, request correction, withdraw consent, and request data deletion. Failure to respond on time may lead to penalties. What’s Coming Next? The DPDP 2025 Rules provide a glimpse of what businesses should expect in the coming months. 1. Classification of Significant Data Fiduciaries Businesses dealing with high-risk data (finance, health, social platforms, telecom, etc.) may be labeled as “Significant Data Fiduciaries” bringing extra duties and advanced compliance checks. 2. Stricter Vendor Risk Management If you’re sharing data with third-party vendors, you’ll need: Vendor assessments Data protection clauses Strong IT security measures Your vendor’s non-compliance is equal to your penalty. 3. Full Operational Audits Periodic audits carried out by certified auditors will soon be the norm. This includes: VAPT Data flow mapping Infrastructure evaluation Access control reviews 4. Higher Penalties for Non-Compliance The DPDP 2025 timeline shows enforcement will gradually increase. Penalties may soon scale up to ₹250 crore depending on the severity of the violation. How Lumiverse Solutions Helps You Stay DPDP 2025 Compliant Navigating the DPDP 2025 rules can feel overwhelming, especially if your business collects high volumes of personal data. At Lumiverse Solutions, we simplify compliance through: DPDP Readiness Assessments Policy and SOP creation Consent and notice structuring Data flow mapping VAPT and security assessments Employee awareness training Whether you are a growing business or an enterprise-level organization, we help ensure you remain compliant, secure, and audit-ready. Conclusion The DPDP 2025 Rules are not just regulatory updates they’re a shift towards responsible, transparent, user-first data practices. Understanding what’s new, what’s enforceable, and what’s coming next is critical for every business operating in India. 👉 Reach out to Lumiverse Solutions to get your DPDP compliance roadmap and secure your organization’s data practices for the future. Need a DPDP readiness assessment or rapid VAPT? We provide end-to-end DPDP & cybersecurity services to make your organisation audit-ready. Talk to an Expert Explore More: DPDP Compliance Services Cybersecurity / VAPT Services 27001-compliance-service-india Frequently Asked Questions — DPDP 2025 Rules Q1. What are the DPDP 2025 Rules? The DPDP 2025 Rules outline the operational and procedural requirements businesses must follow under the Digital Personal Data Protection Act. They provide clarity on consent, data processing, breach reporting, and user rights. Q2. Who must comply with the DPDP 2025 Rules? Every business that collects, stores, or processes personal data of Indian citizens must comply — including startups, SMEs, enterprises, fintech, insurance companies, e-commerce platforms, and service providers. Q3. What’s newly introduced in the DPDP 2025 Rules? New additions include clearer consent standards, mandatory notice formats, stronger child data protection measures, updated data retention rules, and expanded duties for Data Fiduciaries. Q4. What parts of the DPDP 2025 Rules are enforceable today? Consent management, purpose limitation, breach reporting, and user rights activation are already enforceable and must be implemented immediately. Q5. What happens if a business fails to comply? Non-compliance may lead to penalties that can go up to ₹250 crore depending on severity, including violations of security, privacy, or child data protection requirements. Q6. What is a Significant Data Fiduciary under DPDP 2025? A Significant Data Fiduciary is an organization classified by the government due to the sensitivity, volume, or risk of the data it handles. They must meet additional obligations like appointing a DPO and conducting regular audits. Q7. How can businesses prepare for upcoming DPDP requirements? Businesses should start with a compliance gap assessment, update consent and notice mechanisms, secure data storage, conduct VAPT, train employees, and build stronger vendor management processes. Q8. How does Lumiverse Solutions