ISNP stands for Insurance Self Network Platform, which is any digital platform (website/app) used to sell and service insurance.

Who needs ISNP registration?

Any IRDAI-registered Insurer, Broker, Corporate Agent, or Web Aggregator using a digital platform for sales needs ISNP registration.

Is a mobile app considered an ISNP?

Yes, both websites and mobile apps are classified as ISNPs if they are used for insurance solicitation.

What is the role of a System Audit?

A system audit ensures that the platform is secure, reliable, and complies with IRDAI's technical guidelines.

Can I sell insurance on a third-party platform?

No, solicitation must be done only through a platform that is registered as an ISNP with IRDAI.

What are the rules for payment collection?

Payments must be collected through secure, integrated payment gateways directly into the insurer's or broker's account.

How long does ISNP registration take?

The process usually takes 1 to 2 months after the platform is technically ready and audited.

Is there a renewal for ISNP?

The ISNP recognition is usually co-terminus with the parent entity's IRDAI license and requires periodic system audits.

Service

IRDAI ISNP Registration

Expert assistance for obtaining ISNP registration. We help insurers and intermediaries set up compliant digital insurance platforms.

The Standard for E-Insurance Platforms

Expert assistance for obtaining ISNP registration. We help insurers and intermediaries set up compliant digital insurance platforms.

Register your digital platform as an ISNP with IRDAI to sell and service insurance policies through websites and mobile apps.

Digitize your insurance distribution. Register your website or mobile app as an ISNP to offer seamless policy buying and servicing to customers.

An Insurance Self Network Platform (ISNP) is an electronic platform set up by an insurer or a registered intermediary for the purpose of selling and servicing insurance policies. To maintain uniformity and protect consumers in the digital space, IRDAI introduced the ISNP guidelines in 2017.

Any entity that wants to use a website, mobile app, or any other digital interface to solicit insurance must inform IRDAI and get their platform registered as an ISNP. This ensures that the platform follows the prescribed norms for product display, payment collection, and data privacy.

QuickTaxperts provides technical and regulatory support for ISNP registration, including system audit coordination and the preparation of the mandatory e-commerce operational manual.

Category: Insurance
Enables paperless onboarding and instant KYC for insurance customers.
Integration with payment gateways for secure premium collection.
Provision for digital signatures and e-insurance account (eIA) creation.
Mandatory display of the 'ISNP Registration' details on the platform.
Mandatory for all digital platforms selling insurance
Applicable to Insurers and Intermediaries (Brokers/Agents/Aggregators)
Ensures compliance with IRDAI's E-commerce guidelines
Requires robust cyber security and electronic payment integration

ISNP Technical Requirements

Ensuring a secure digital environment.

Cyber Security: Must have a robust firewall, encryption, and anti-fraud systems.
System Audit: Annual audit by a CERT-In empanelled auditor is mandatory.
Privacy: Strict adherence to the Information Technology (Reasonable Security Practices) Rules.
Uptime: High availability and disaster recovery plans for the platform.

Documents required

Document requirements vary by entity type, state, premises, and authority. These are the usual groups we verify before submission.

ISNP Checklist: Certificate of Registration of the parent entity (Insurers/Intermediary).; Detailed architecture and workflow of the ISNP platform.; System Audit Report from a CERT-In empanelled auditor.; Board approved e-commerce operational manual.; Cyber Security policy and compliance certificate.; Agreement with the technology service providers (if any).; Domain ownership and SSL certificates.

Process and timeline

Platform Audit: Conducting a comprehensive system audit by a qualified professional.
Manual Preparation: Drafting the operational manual covering sales, service, and grievance redressal.
Intimation/Application: Submitting the ISNP registration application to IRDAI with all technical proofs.
IRDAI Verification: Review of the platform's user journey and security controls by IRDAI.
Go-Live: Receiving the ISNP recognition and commencing digital insurance sales.

Expert review

IRDAI ISNP Registration content is reviewed by QuickTaxperts Digital Compliance Team, Insurance Tech Consultants.

Checklist-led review
Document pre-verification
Authority-specific next steps

Frequently asked questions

These quick answers cover common planning questions before you request a checklist or quote.

What is an ISNP?: ISNP stands for Insurance Self Network Platform, which is any digital platform (website/app) used to sell and service insurance.
Who needs ISNP registration?: Any IRDAI-registered Insurer, Broker, Corporate Agent, or Web Aggregator using a digital platform for sales needs ISNP registration.
Is a mobile app considered an ISNP?: Yes, both websites and mobile apps are classified as ISNPs if they are used for insurance solicitation.
What is the role of a System Audit?: A system audit ensures that the platform is secure, reliable, and complies with IRDAI's technical guidelines.
Can I sell insurance on a third-party platform?: No, solicitation must be done only through a platform that is registered as an ISNP with IRDAI.
What are the rules for payment collection?: Payments must be collected through secure, integrated payment gateways directly into the insurer's or broker's account.
How long does ISNP registration take?: The process usually takes 1 to 2 months after the platform is technically ready and audited.
Is there a renewal for ISNP?: The ISNP recognition is usually co-terminus with the parent entity's IRDAI license and requires periodic system audits.