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ARTICLE · 02 MAY 2025

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Understanding The Interplay Between Insurance And Data Protection In India

Tuli & Co
Tuli & Co
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Tuli & Co

Tuli & Co

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The Digital Personal Data Protection Act 2023 ("DPDP Act") read with the Draft Digital Personal Data Protection Rules 2025 ("Draft Rules") is expected to set out a comprehensive framework for the processing of personal data in India.

IndiaPrivacy
Anuj Bahukhandi
Anuj Bahukhandi
Armaan Tuli
Armaan Tuli
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Introduction

The Digital Personal Data Protection Act 2023 ("DPDP Act") read with the Draft Digital Personal Data Protection Rules 2025 ("Draft Rules") is expected to set out a comprehensive framework for the processing of personal data in India1. Various aspects of this framework, including privacy notices, consent management, and regulatory oversight through the establishment of the Data Protection Board of India ("Board"), are expected to bring significant implications for the insurance sector.

Insurers face unique challenges in implementing the DPDP Act due to the inherent data-intensive nature of their business model. This involves extensive collection, processing, and sharing of highly sensitive personal data of policyholders across the entire customer lifecycle—from underwriting to claims settlement while simultaneously complying with sector-specific regulations mandated by the IRDAI. Thus, the interplay between the DPDP Act and insurance regulatory

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