Solutions
TruePrivacy for
Insurance
Protect policyholder and health data across GDPR, DPDP, and IRDAI rules
Insurers and insurtech platforms process health records, financial profiles, and nominee data over decades-long policy lifecycles. TruePrivacy manages consent, rights, and retention across the full policyholder journey.
Common challenges
- Policy lifecycles run for decades — health disclosures, nominee details, and claims records long outlive the consent moment
- Health and medical data attracts the highest sensitivity under both GDPR and the DPDP Act
- IRDAI record-keeping and claims obligations override erasure for policy and claims records
- Distribution through agents, brokers, web aggregators, and bancassurance scatters personal data across the ecosystem
- Claims investigation, medical underwriting, and fraud analytics involve third parties like TPAs, hospitals, and surveyors
How TruePrivacy helps
- Lifecycle-aware retention: policy and claims records held under IRDAI mandates, lapsed-quote and marketing data erased on schedule
- Health data classification and access controls that satisfy GDPR special-category and DPDP standards
- Consent capture at proposal, renewal, and claim stages with itemised purposes and full records
- Data mapping across agents, TPAs, reinsurers, and aggregators with DPA governance
- DSR and nominee workflows covering the DPDP right to nominate — natural fit for insurance
Platform capabilities
Policyholder Data Lifecycle Engine
Models the full journey — quote, proposal, underwriting, policy, renewals, claims, closure or death — with stage-appropriate retention rules. Abandoned quotes are erased on short clocks; in-force policy records are held; post-closure records follow IRDAI-mapped schedules and are deleted at expiry with evidence.
Health Data Classification & Access Control
Medical disclosures, diagnostic reports, and claims medical records are automatically classified as high-sensitivity, encrypted, and quarantined behind role-based access with purpose logging — meeting GDPR Article 9 handling standards and DPDP security-safeguard expectations simultaneously.
Distribution Channel Data Mapping
Complete inventory of agents, brokers, aggregators, TPAs, reinsurers, hospitals, and surveyors — with data categories, direction of flow, legal basis, and agreement status. Automated alerts on expiring DPAs and new-channel onboarding keep the map audit-ready.
Nominee Rights Management
Captures DPDP Section 14 nominations alongside policy nominees, verifies nominee identity and activation evidence (death or incapacity), and routes nominee-exercised rights through verified workflows with complete audit trails.
Stage-Based Consent Capture
Itemised consent at proposal, renewal, claim, and marketing touchpoints — with notices in the languages DPDP requires, immutable consent records, and withdrawal execution that stops downstream processing without disturbing contract-necessary operations.
Multi-Regulator Breach Notification
One incident record drives IRDAI, CERT-In, and DPDP notifications. Data-map integration scopes affected policyholders quickly, plain-language policyholder notices are generated from templates, and the 72-hour Board report compiles causation, remediation, and intimation evidence automatically.
Key features
What our customers say
A policyholder's data journey spans proposal, underwriting, decades of renewals, and claims — often finishing with a nominee. TruePrivacy is the first platform that models that whole lifecycle instead of treating insurance like e-commerce with longer retention.
Neha Kulkarni
Head of Data Governance, Ashwamedha General Insurance
Frequently asked questions
Not while IRDAI record-keeping obligations and the policy relationship require them. TruePrivacy holds policy, underwriting, and claims records under documented legal mandates and erases what falls outside them — lapsed quotes, marketing profiles, abandoned proposals. The policyholder receives a split response naming what is retained, under which obligation, and until when.
Health data is classified at the highest sensitivity tier with encryption, restricted access roles, and purpose-logged retrieval. For EU-resident policyholders, GDPR special-category conditions (explicit consent or insurance-contract necessity) are recorded; for Indian data principals, DPDP consent and notice records are maintained — from a single classification and policy layer.
TruePrivacy maps each channel — individual agents, corporate agents, brokers, aggregators, bancassurance partners — as a data source or recipient with its role, data categories, and agreement status. This gives you the accountability picture regulators expect and the recipient disclosures the DPDP access right requires.
Insurance already runs on nominees, and DPDP Section 14 extends the concept to data rights: a nominated individual can exercise the deceased or incapacitated policyholder's data rights. TruePrivacy captures data-rights nominations, verifies nominee claims with documentary evidence, and routes their requests through a dedicated workflow — kept distinct from the policy nominee for claim proceeds where they differ.
Your processor contracts, managed in TruePrivacy, obligate rapid escalation. Once you become aware, the incident workflow fires the DPDP clocks — without-delay intimation to affected policyholders and the Data Protection Board, the 72-hour detailed report — plus CERT-In and IRDAI notifications from the same fact base, with the processor's timeline documented.
Privacy compliance for Insurance
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