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Home / Insurance — IRDAI / ISNP Approval
Last updated: 2 October 2026
Insurers and eligible intermediaries that want to sell and service policies through their own website or app need IRDAI permission to operate an Insurance Self-Network Platform (ISNP). Expertvuw’s team helps prepare the application, platform documentation and compliance framework.
An Insurance Self-Network Platform (ISNP) is an electronic platform — a website or app — set up with IRDAI permission to sell and service insurance policies online. It was introduced by IRDAI’s Guidelines on Insurance e-Commerce (2017) to allow insurers and intermediaries to offer end-to-end digital purchase, payment and servicing.
ISNPs can be operated by insurers and by eligible intermediaries such as insurance brokers, corporate agents and web aggregators. Individual (tied) agents cannot set up their own ISNP. The platform must meet requirements on information security, data protection, disclosures, payment handling, policy issuance and grievance handling, and certain activities must be carried out by the insurer or the registered intermediary itself.
IRDAI has updated several parts of its policyholder protection and distribution framework since 2024, so the current applicable requirements should be confirmed at the time of application.
Basis: IRDAI Guidelines on Insurance e-Commerce (2017), as updated; IRDAI (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024; applicable intermediary regulations; Digital Personal Data Protection Act, 2023. Last updated: 27 September 2026.
A website or app with IRDAI permission to sell and service policies online.
Insurers and eligible intermediaries such as brokers, corporate agents and web aggregators.
Individual (tied) agents cannot set up their own ISNP.
Information security and data protection controls are required.
Product, pricing and grievance information must be clearly shown.
The platform must also comply with the DPDP Act, 2023.
Most ISNP gaps are in technology and disclosures.
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ISNP connects with these services.
Web aggregator registration.
Broker registration.
Information security management.
Data privacy policy.
Confirm eligibility and scope.
Review platform against requirements.
Complete security audit and documentation.
File the application with IRDAI.
Respond to IRDAI observations.
Launch after permission.
ISNPs need ongoing monitoring.
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Share your query and our team will reply during business hours.
An Insurance Self-Network Platform — a website or app set up with IRDAI permission to sell and service insurance online.
Insurers and eligible intermediaries such as brokers, corporate agents and web aggregators.
No. Individual (tied) agents cannot set up their own ISNP.
Yes. Information security and data protection controls must be documented and audited.
Yes. The Digital Personal Data Protection Act, 2023 applies to personal data collected on the platform.
ACS – Director, Expertvuw Management Pvt Ltd
IRDAI applications and filings are prepared by Expertvuw’s team. Audits and certificates required by IRDAI are issued by independent Chartered Accountants, and representation before IRDAI or other authorities is made by authorised professionals or advocates. Expertvuw is not an insurer or insurance intermediary and does not sell insurance.