Where Every Data Point Is Priced, Consent Is Never Optional.
InsurTech platforms fuse telematics feeds, wearable signals, and aggregator APIs into real-time algorithmic underwriting — but every signal used to price a policy is personal data under the DPDP Act. Digital Anumati binds each API handshake, claims lookup, and risk model to a scoped, revocable consent trail.
Telematics & Wearable Feed
Continuous driving and health signals streamed to the underwriting engine for real-time risk scoring.
DPDP Act 2023
Requires purpose-limited consent before behavioral data feeds any pricing or claims algorithm.
Digital Anumati Resolution
Zero Silent Data Feeds
Every telematics and API signal is consent-gated before it touches a risk model
Consent That Travels With Every Policy, Claim, and Partner
A unified dashboard gives InsurTech platforms real-time visibility into policyholder consent across digital issuance, embedded insurance partners, and claims-automation vendors. From onboarding to claim settlement, every data exchange stays scoped, logged, and IRDAI and DPDP compliant.
The InsurTech Compliance Challenge
Insurance platforms process sensitive data such as health records, financial details, and risk profiles. Without strict consent governance, this creates high regulatory exposure under the DPDP Act.
One Consent, Five Parties, Zero Blind Spots
Follow an embedded-insurance consent chain end to end — from partner checkout to instant, system-wide revocation. Every hop scoped, logged, and audit-ready.
- 01
Consent Captured
Customer grants a DPDP-native consent at embedded-insurance checkout on a travel or e-commerce partner app — scope, purpose, and expiry stamped on an immutable receipt.
- 02
Token Cascades
A cascading consent token propagates to the insurtech platform's underwriting API with defined scope limits — automatically, in real time.
- 03
Claims Automation
The claims-automation vendor accesses only the permitted policy and claim fields. Every read is logged to the audit ledger, IRDAI-ready.
- 04
Reinsurer Sync
The reinsurer receives time-boxed, purpose-bound access to risk data — never the full policyholder record.
- 05
Withdraw & Kill
Consent revoked → kill switch propagates across all five parties in 7 seconds, not 7 days.
CONSENT
TOKEN
Compliance Solutions for InsurTech Platforms
Policyholder Consent Tracking
Capture and store verifiable consent for policy issuance, renewals, and data processing.
Claims Data Protection
Secure sensitive claims information with controlled access and audit logs.
Third-Party Data Sharing Control
Ensure insurers, surveyors, and partners access data only with explicit consent.
Use Case: Insurance Claim Data Sharing Risk
The Problem
Claim data is often shared with surveyors, hospitals, and third-party processors without proper consent tracking.
Digital Anumati Solution
Every claim interaction is tied to a consent ledger ensuring only authorized entities can access sensitive insurance data.
- Consent-based claim processing
- Secure partner data access
- Real-time audit logs
Build Trust-Driven Insurance Platforms
Ensure policyholder trust, regulatory compliance, and secure insurance data workflows across your ecosystem.