IncorpX assists insurers with documentation, compliance review, and IRDAI liaison. Listed amounts are IncorpX professional charges for end-to-end assistance. Government / statutory fees are charged separately at actuals.
Eligibility and document review
Platform compliance mapping
Cybersecurity and VAPT coordination
e-KYC and customer authentication guidance
IRDAI application drafting support
Post-approval compliance checklists
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Siddhu ManojFounder & CEO of Two-LYP Computations Pvt. Ltd.
“Incorporating my Startup with IncorpX was a smooth experience. The team was highly professional, guiding us every step of the way with clear communication and prompt support. The registration process was fast, and every detail was handled with precision and accuracy. Highly recommend IncorpX for anyone starting a business.”
Abhishek LohaniDirector at Lohani Learnings
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“It's rare to find a service provider who makes the process feel personal - IncorpX absolutely did. From day one, they patiently explained every detail without any jargon, making it easy to understand and stress-free. There was zero chasing, no delays-just efficient, smooth execution all the way through. I felt supported, heard, and confident at every step of registering my company EIGHTH DAY FORGE (OPC) Private Limited. Thanks to Mr. Sriram and his wonderful team.”
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Why Choose Us?
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Fast Turnaround
Kickstart your venture with efficient company setup, generally processed within a week.
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ISNP Application Assistance in India?
IncorpX assists insurers with platform readiness review, documentation, and IRDAI correspondence for insurer-owned ISNP approval.
Simple Process
Here's How It Works
01
Fill the Form
Simply fill the above form to get started.
02
Call to discuss
Our team will connect with you and explain the next compliance steps.
03
Understand the ISNP Approval Process
IncorpX assists with document preparation, compliance mapping, and response management during the IRDAI review process.
Pricing
Simple & Transparent Pricing
MOST POPULAR
ISNP Assistance Package
From ₹49999 IncorpX professional fee for assistance
Timeline depends on the application type and authority review
Application support Professional assistance
Listed amounts are IncorpX professional charges for end-to-end assistance. Government / statutory fees are charged separately at actuals.
Eligibility and document review
Platform compliance mapping
Cybersecurity and VAPT coordination
IRDAI application drafting support
Customer authentication and e-KYC guidance
Payment and policy servicing review
IRDAI correspondence support
Post-approval compliance checklist
Dedicated compliance coordinator
*Listed amounts are IncorpX professional charges for end-to-end assistance. Government / statutory fees are charged separately at actuals.
4.9/5 based on 1000+ reviews
Transparent scope
Secure payment
Application support
AI-Powered Platform
Meet IncorpX Nova
Our proprietary AI engine supports each stage of business setup, from name suggestion checks to document drafting and compliance tracking.
AI-Powered Business Name Approval Check
Auto-Generated MoA & AoA Drafts
Real-Time Compliance Monitoring
Faster Processing With AI Automation
24/7 AI Chatbot + Human Expert Support
NOVA AI
Premium Plan
IncorpX Prime
A comprehensive package for startups and expanding enterprises seeking a compliant incorporation process.
Key Benefits
Personalised support from dedicated incorporation specialists.
Application prepared and filed within 2 days.
24/7 customer assistance.
Important Notes
We strive to help secure approval for your preferred business name whenever feasible.
Alternative name suggestions are provided if the preferred name is not approved.
Package includes first-year compliance services: auditor appointment, annual filings, and related obligations.
An Insurance Self-Network Platform (ISNP) is an insurer-owned digital platform used to offer insurance products online. Under the IRDAI (Insurance e-Commerce) Guidelines, 2017, the platform should be operated by an insurer registered with IRDAI and should offer only products already approved by IRDAI.
The platform should support customer authentication, e-KYC, premium payment, product disclosures, policy servicing, grievance redressal, and cybersecurity controls. It should also maintain audit trails, access controls, and business continuity measures that help the insurer demonstrate operational readiness.
Unlike an insurance web aggregator, an ISNP is the insurer's own digital sales and servicing channel. It is meant for the insurer's approved products and is reviewed as part of the insurer's regulatory setup for online operations.
At IncorpX, we provide assistance for ISNP applications in India, including platform readiness review, document preparation, compliance mapping, and IRDAI liaison during the application process.
What is an Insurance Self-Network Platform (ISNP)?
An Insurance Self-Network Platform (ISNP) is an insurer's own digital interface for offering approved insurance products online. It typically covers product discovery, customer authentication, e-KYC, premium payment, policy servicing, and complaint handling within one controlled environment.
The approval framework focuses on insurer ownership, product approvals, secure customer interactions, fair disclosures, and reliable digital operations. The insurer is expected to show that the platform is ready for secure onboarding, policy servicing, customer support, and record-keeping before digital sales begin.
Key aspects of an Insurance Self-Network Platform:
Insurer-owned: The platform should be operated by the insurer seeking approval from IRDAI.
Approved products only: Products offered on the platform should already be approved by IRDAI.
Secure customer process: The platform should support customer authentication, e-KYC, premium payment, and policy servicing with appropriate records.
Grievance and cybersecurity controls: Complaint handling, monitoring, access control, encryption, and security review should form part of the platform setup.
Key regulatory note
ISNP approval is linked to the insurer operating the platform and to the products already approved by IRDAI. The platform should be launched only after the insurer completes the required approval process.
ISNP vs Web Aggregator vs Insurance Broker - Key Differences:
These models serve different functions in insurance distribution. The comparison below highlights how an ISNP, Web Aggregator, and Insurance Broker differ at a high level.
Parameter
ISNP
Web Aggregator
Insurance Broker
Who may operate it
Insurer registered with IRDAI
Entity approved under Web Aggregator regulations
Entity licensed as an insurance broker
Primary role
Insurer's own online sales and servicing channel
Comparison and lead generation
Insurance distribution and advisory within the broker framework
Can complete purchase online
Yes, subject to approved products and platform controls
Usually redirects the customer to the insurer or other prescribed channel
May support assisted distribution, subject to the broker model used
Products shown on platform
The insurer's approved products
Products displayed for comparison as permitted by regulation
Products of insurers tied to the broker's licensed activities
Customer relationship
Direct insurer-to-customer interaction
Comparison interface with lead routing
Broker-led interaction with advisory or placement support
Applicable approval or regulation
IRDAI (Insurance e-Commerce) Guidelines, 2017
Web Aggregator regulations
Insurance Broker regulations
Which model fits your use case?
Choose an ISNP when an insurer wants its own digital sales and servicing channel for approved products. Choose a Web Aggregator when the business model focuses on comparison and lead generation. Choose an Insurance Broker route when the model requires distribution and advisory under the broker framework.
Common insurer-led setups for Insurance Self-Network Platforms:
For this approval route, the platform is expected to be operated by the insurer itself. The configuration may vary depending on the insurer's line of business and approved products.
ISNP setup
Operated by
Products offered
Typical focus
Key considerations
Life insurer ISNP
Life insurer registered with IRDAI
Approved life insurance products
Digital onboarding, disclosures, servicing, renewals
Customer authentication, suitability disclosures, long-term servicing records
General insurer ISNP
General insurer registered with IRDAI
Approved general insurance products
Quotation, issuance, endorsements, claims support
Accurate product display, premium handling, service workflows
Health insurer ISNP
Health insurer registered with IRDAI
Approved health insurance products
Onboarding, servicing, grievance handling, policy information access
Customer support, claim-related communication, privacy and data controls
Note: The final scope of the platform should align with the insurer's existing licence, the products already approved by IRDAI, and the insurer's ability to maintain the required digital controls.
Eligibility criteria for ISNP approval:
For an insurer-owned ISNP, the applicant should be ready with the following before filing with IRDAI:
The applicant should be an insurer registered with IRDAI.
The digital platform should be owned or controlled by the insurer seeking approval.
Products proposed to be sold online should be approved by IRDAI.
The platform should support customer authentication and e-KYC.
The insurer should maintain premium payment and policy servicing workflows for digital operations.
Cybersecurity controls, monitoring, and periodic security review should be documented.
Customer data protection measures should align with applicable legal and regulatory requirements.
A functioning grievance redressal mechanism should be available on the platform.
The insurer should maintain audit trails and records for key transactions and service actions.
The platform should have business continuity and recovery arrangements.
Step-by-step process for ISNP approval:
The insurer-owned ISNP approval process typically takes 3 to 6 months. A practical sequence is outlined below:
Step 1: Confirm insurer readiness
Review the insurer's registration status, approved products, and the scope of the digital platform proposed for online operations.
Step 2: Prepare platform controls
Prepare customer authentication, e-KYC, payment handling, policy servicing, grievance, and cybersecurity controls for the platform.
Step 3: Compile the application file
Compile the architecture note, security records, approved product list, governance approvals, and operating procedures for the submission.
Step 4: Submit the application
Submit the proposal on the IRDAI Online Portal (irdai.gov.in) or through the prescribed IRDAI channel with the supporting records.
Step 5: Respond to regulatory review
Address clarification requests, control observations, and testing feedback raised during IRDAI review of the platform.
Step 6: Launch after approval
Launch digital operations only after approval, then continue with disclosures, grievance handling, record-keeping, and security monitoring.
IncorpX assists with documentation and regulator responses during the ISNP application process.
What are the documents required for an ISNP application?
The application record typically covers insurer status, platform controls, approved products, and operating procedures. A practical checklist is below:
Category
Document
Details
Purpose
Insurer records
IRDAI registration details
Existing insurer registration and related corporate records
Entity eligibility verification
Board approval
Internal approval for the digital platform and the application filing
Governance confirmation
Product records
Approved product list
Products already approved by IRDAI and proposed to be offered online
Product eligibility review
Disclosure material
Product information, terms, exclusions, and servicing disclosures proposed for the platform
Customer communication review
Technology records
Platform architecture note
System design, hosting setup, user roles, and integrations
Technical review
Cybersecurity and VAPT records
Security assessment reports, remediation status, and monitoring controls
Security readiness review
Customer authentication and e-KYC flow
Identity verification, consent capture, and transaction control process
Customer protection review
Operations records
Payment and policy servicing process
Premium handling, issuance, servicing, and record-keeping workflows
Operational readiness review
Grievance redressal process
Complaint intake, escalation matrix, and tracking workflow
Service control review
Control framework
Privacy and data protection documents
Policies covering consent, storage, retention, and access controls
Compliance review
Business continuity records
Backup, recovery, monitoring, and incident response procedures
Resilience review
Technology requirements for Insurance Self-Network Platforms:
IRDAI expects the platform to be secure, usable, and backed by appropriate operational controls. A practical technology checklist is outlined below:
1. Insurer-owned digital interface
A web or mobile interface controlled by the insurer and used for product display, onboarding, payment, and servicing.
2. Customer authentication and e-KYC
Secure login, consent capture, identity verification, and transaction controls should be built into the onboarding and servicing process.
3. Product display and disclosures
The platform should show approved products, policy information, pricing disclosures, and customer-facing terms clearly and consistently.
4. Premium payment workflow
The payment flow should be secure, traceable, and integrated with the insurer's digital process for premium receipt and confirmation.
5. Policy servicing workflow
The insurer should be able to support issuance, endorsements, renewals, service requests, and communication records through the platform.
6. Grievance handling setup
Customers should have a clear online complaint process with tracking, escalation, and internal response management.
7. Cybersecurity controls
Access management, encryption, monitoring, logging, vulnerability review, and incident response controls should form part of the platform environment.
8. Continuity and auditability
Backup, recovery, record retention, and audit trails should support resilience and regulatory review of digital operations.
Technology note
IRDAI may review the platform architecture, access controls, audit trails, customer disclosures, grievance setup, and cybersecurity measures before permitting digital sales. IncorpX can assist with a readiness review against these areas.
Compliance framework for Insurance Self-Network Platforms:
After approval, the insurer should continue to monitor the platform against applicable regulatory, operational, and cybersecurity expectations. A practical compliance map is set out below:
Compliance area
Requirement
Timing
Approved products
Offer only products already approved by IRDAI and keep platform disclosures aligned with those approvals
Retain transaction, servicing, and complaint records in a form suitable for review
Ongoing
Periodic reviews
Review platform changes, third-party dependencies, and control effectiveness on a periodic basis
Periodic
Regulator-directed action
Respond to clarifications, corrective actions, or reporting directions issued by IRDAI
As directed
Operational considerations for Insurance Self-Network Platforms:
When an insurer evaluates an ISNP, the business case usually considers the following operational areas:
1. Direct digital channel
The insurer can use the platform as its own online sales and servicing channel for approved products.
2. Process efficiency
Standardized onboarding, payment, issuance, and service workflows can improve internal coordination and monitoring.
3. Data governance
Digital records, audit trails, and customer interaction logs can support compliance review and internal oversight.
4. Product and service consistency
The platform can help keep product disclosures, policy information, and service communication aligned across the digital process.
5. Customer servicing
Customers can access policy information, service requests, and complaint channels through a structured digital interface.
Key point: The ISNP business case should be evaluated together with product approvals, cybersecurity obligations, grievance handling, and the insurer's capacity to operate the platform on an ongoing basis.
Benefits of launching an Insurance Self-Network Platform:
An approved insurer-owned ISNP can support the following operational benefits:
Direct digital distribution
The insurer can maintain its own online interface for product display, onboarding, and servicing.
Standardized digital process
Product information, authentication checks, payments, and service actions can be managed within one structured platform.
Broader digital access
Customers can interact with the insurer online through a controlled platform supported by the insurer's own systems.
Improved service visibility
Policy servicing, complaint handling, and communication records become easier to monitor through digital workflows.
Better auditability
Digital logs and platform records support governance, internal review, and regulatory responses.
Scalable operations
The insurer can expand digital servicing in line with approved products and operational readiness.
IncorpX assists insurers with application preparation and compliance review for ISNP approval.
Get assistance with insurer registration applications under the Insurance Act, 1938. This is relevant where an applicant needs insurer status before pursuing an insurer-owned ISNP.
Get assistance with Web Aggregator applications when the intended business model focuses on comparison and lead generation rather than an insurer-owned ISNP.
Get assistance with insurance broker applications where the operating model requires distribution and advisory within the broker regulatory framework.
Frequently Asked Questions About ISNP Registration Assistance
These FAQs cover insurer eligibility, approved products, platform readiness, compliance expectations, timelines, and IncorpX's assistance for ISNP applications in India.
The answers below are intended to help insurers understand the approval process under the IRDAI (Insurance e-Commerce) Guidelines, 2017 and the related operating controls expected on the platform.
An Insurance Self-Network Platform (ISNP) is an insurer-owned digital platform used to offer insurance products online. Under the IRDAI (Insurance e-Commerce) Guidelines, 2017, the platform should be operated by an insurer registered with IRDAI and should offer only products already approved by IRDAI. Approval is required before the insurer uses the platform for digital sales and servicing.
An ISNP is the insurer's own online sales and servicing platform for its approved products. An Insurance Web Aggregator mainly compares products and redirects leads under a separate regulatory framework. The ISNP route is for an insurer's direct digital channel.
The applicant should be an insurer already registered with IRDAI and proposing to use its own digital platform. The insurer should also have approved insurance products, customer authentication controls, grievance handling processes, and cybersecurity measures ready for review.
The platform should include a secure web or mobile interface, customer authentication and e-KYC, product disclosures, premium payment capability, policy servicing workflows, grievance handling, audit trails, and cybersecurity controls such as access management, monitoring, encryption, and periodic security testing.
The process typically involves reviewing insurer eligibility, preparing the platform and compliance documents, mapping the setup to the IRDAI (Insurance e-Commerce) Guidelines, 2017, filing the application on the IRDAI Online Portal (irdai.gov.in) or through the prescribed channel, responding to clarifications, and launching only after approval. The overall timeline is typically 3 to 6 months.
Common documents include the insurer's registration details, board approval for the digital platform, approved product list, platform architecture note, information security and VAPT records, customer authentication and e-KYC flow, grievance redressal process, privacy and data protection documents, and business continuity records.
Customer authentication and e-KYC are core requirements. The insurer should implement appropriate identity verification, consent capture, secure login and transaction controls, and maintain records that support auditability and customer protection.
ISNPs should follow the IRDAI (Insurance e-Commerce) Guidelines, 2017, the Insurance Act, 1938, as amended, and applicable IT governance and cybersecurity requirements. Ongoing compliance generally covers approved products, fair disclosures, grievance redressal, record retention, security monitoring, and regulator-directed reporting.
Yes. An existing insurer can seek IRDAI approval for its own digital platform. The insurer should ensure that the platform, approved products, servicing processes, grievance mechanism, and security controls are ready for review before launch.
No. Products proposed to be sold on the platform should already be approved by IRDAI before they are offered through the insurer's ISNP.
Operating a digital insurance sales platform without the required approval can invite regulatory action under the Insurance Act, 1938, as amended, and other applicable IRDAI directions. The insurer may be required to stop operations, address compliance failures, or face other regulatory consequences.
IncorpX professional charges for assistance with ISNP applications start at ₹49,999. Listed amounts are IncorpX professional charges for end-to-end assistance. Government / statutory fees are charged separately at actuals. Platform build, cybersecurity audit, payment integration, and hosting costs vary by scope.
ISNP approval typically takes 3 to 6 months, depending on platform readiness, document quality, cybersecurity observations, and the time taken to respond to IRDAI queries.
Yes. IncorpX assists with eligibility review, documentation, compliance mapping, application drafting, and responses to IRDAI queries. IncorpX does not issue the approval; IRDAI does.
Insurance Self Network Platform (ISNP) in various States
The team was very responsive and helpful. I received daily updates from the WhatsApp group, and their guidance made everything much simpler to comprehend. If you want a simple and hassle-free way to launch your business, I would highly recommend them!
S
Simon Job
4.9/5
I recently used IncorpX to register my limited liability partnership, and I had an amazing experience! There were no hidden fees, and the team was helpful, quick to respond, and open. They provided thorough explanations of each step, and their services are reasonably priced without sacrificing quality. The entire process was made simple by IncorpX's professionalism, attention to detail, and sincere support. Strongly advised!
J
Jay R
4.8/5
The experience was flawless; the team completed each task with care and always responded quickly. Throughout the process, I never felt stuck. We would especially like to thank Saksham and Sriram for making everything run so smoothly! The IncorpX team offers extremely competitive pricing; anyone just starting out should definitely get in touch with them.
M
Mohammed Affan
4.9/5
I'm really grateful to the wonderful team at IncorpX for helping bring my co-founder's and my dream to life. The whole process was super smooth - fast service, great support, and no hassles at all. I'd highly recommend IncorpX to any new entrepreneur or founder looking to register their company. Excited to continue working with them in the long run. Thank you, IncorpX!
R
Riyom Taipodia
4.6/5
One of the best agency I have ever experienced. Team members are very friendly as if we know each other from before and came communicate and share easily. My work has been done in a very short period and I am so happy. Thank you so much.
A
Ayyappa Swamy
5/5
Highly recommend... IncorpX services regarding incorporation of our company and roc filing and all are very impressive.. the team IncorpX is polite and friendly. Our Lands Time pvt ltd has incorporated through IncorpX... And thanks to IncorpX team..
R
Ramesh Babu
4.9/5
Trouble free service, Rendering good co-operation for company incorporation. Trust worthy team to have better knowledge.
P
Pravesh Kudesia
5/5
IncorpX is providing best service... And user experience! Thank You IncorpX Team
B
Balaji Gutte
4.9/5
I recently got my Private Limited Company incorporated through IncorpX, and the experience was seamless! The team was professional, supportive, and quick to respond throughout the process. Highly recommend IncorpX for a smooth and stress-free company registration experience.
D
Dia
5/5
I'd been planning to register my Private Limited Company for months but didn't know where to start - until I found IncorpX. The team guided me step by step, explained everything clearly, and completed the registration smoothly within the promised timeline. Their pricing was transparent with no hidden charges. Highly recommend IncorpX to anyone starting a business!
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