Cybersecurity Audit for Insurance Companies
Insurers operate under IRDAI's Guidelines on Information and Cybersecurity for Insurers, the IRDAI ISNP regulations (where applicable) and IRDAI's annual cybersecurity audit requirement. Digital Defense delivers single-pane audits covering life, general and health insurers, including their distribution networks (POSP, bancassurance, brokers, aggregators).
Who needs this
Life insurance companies
General insurance companies (motor, fire, marine, engineering)
Health insurance companies and standalone health insurers
Reinsurance brokers and reinsurance branches
Insurance distribution platforms (POSP, bancassurance, aggregators)
Problems we solve
- 01
Legacy policy admin systems with weak access and change-management
- 02
Claims fraud detection inadequately covered in cybersecurity controls
- 03
Customer PII / health data exposure via under-protected portals
- 04
Inadequate logging on policy/claim modifications
- 05
Insufficient evidence for IRDAI annual cyber audit
Our methodology
- 1
IRDAI gap-assessment
Mapping current state against IRDAI cybersecurity guidelines + ISNP regulations + applicable circulars.
- 2
VAPT
Customer app, agent/POSP portal, policy admin, claims, underwriting, ratings, partner APIs.
- 3
Data flow & PHI/PII evidence
Health data classification, encryption, key management, audit trail, retention.
- 4
Insurance-specific scenarios
Underwriting fraud, claim collusion, customer-impersonation, partner-compromise simulations.
- 5
Reporting
CERT-In Empanelled auditor signed report mapped to IRDAI guidelines.
What you receive
IRDAI gap-assessment report
VAPT report covering customer / agent / admin flows
Data classification + PII/PHI evidence pack
Insurance-specific red-team scenario report
Auditor signed annual cyber audit report
Frequently asked questions
Do you cover standalone health insurers?
Yes. SAHIs have a tighter focus on PHI handling, claim adjudication and TPA integrations — we adjust scope accordingly.
Can you audit POSP and bancassurance distribution?
Yes — POSP, bancassurance, broker and aggregator distribution are all in-scope under our insurer audit.
Does the audit cover TPA integrations?
Yes. Third-party administrator (TPA) integrations are a common source of PHI leakage; we assess data-flow, contract controls and TPA-side evidence.
What about IRDAI ISNP licensees inside an insurer?
If you operate an ISNP, we run the ISNP audit module under the same engagement, with shared evidence.
How long does an insurer audit take?
Mid-size insurer: 6-8 weeks. Large life or general insurer with extensive distribution: 10-14 weeks.
Ready to scope this engagement?
Talk to Digital Defense — India's CERT-In Empanelled cybersecurity team.
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