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xtreme.infosec
BFSIInsurers, brokers & TPAs

VAPT for Insurance Companies — ready for IRDAI’s 2026 cyber rules

IRDAI’s 2026 Information and Cyber Security Guidelines ask insurers and intermediaries to test internet-facing systems every six months and close high-risk gaps within 30 days. We test your portals, apps and partner APIs the way an attacker would, help your team fix every finding, and arrange the CERT-In empanelled audit report through our partner.

Portals, apps & partner APIs6-monthly VAPT cyclesCERT-In audit via partner
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30 minAverage response time
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    Overview

    Security testing for policy, claims and partner data.

    Insurance attacks target data: another customer’s policy, a claim file with medical records, or a partner API that returns more than it should. We test quote, buy, renewal and claims journeys by hand, alongside infrastructure checks, and map every finding to what IRDAI’s guidelines and your assurance auditor will ask for.

    SCANNER ONLYXTREME INFOSEC
    Known vulnerability scan✓✓
    Policy & claim data access (IDOR) testing✕✓
    Partner & aggregator API testingLimited✓
    Grey/white-box testing of internet-facing assets✕✓
    Findings mapped to IRDAI guidelinesLimited✓

    Built for:

    • ●Life, general and health insurers
    • ●Insurance brokers and corporate agents
    • ●TPAs and web aggregators
    • ●Insurance marketing firms and ISNPs
    • ●Insurtech platforms
    Book an insurance VAPT

    or call +91 98183 63944

    What we test

    What we test for insurers

    Pick an area to see what we check — and a typical finding.

    Customer portals

    Quote, buy, renewal and claims journeys.

    WHAT WE CHECK

    • Policy & claim ID access control
    • OTP & login bypass
    • KYC and medical document access
    • File upload & injection

    EXAMPLE FINDING

    Changing a claim ID shows
    another customer’s medical records
    CRITICAL

    Partner APIs

    Aggregator, TPA, hospital and payment integrations.

    WHAT WE CHECK

    • Partner authentication & keys
    • Excessive data in responses
    • Rate limits & enumeration
    • Webhook & callback validation

    EXAMPLE FINDING

    Aggregator API returns
    full policyholder details
    HIGH

    Mobile apps

    Customer and agent apps on Android and iOS.

    WHAT WE CHECK

    • Token & data storage on device
    • Certificate pinning
    • Hard-coded keys & secrets
    • Tampering & root detection

    EXAMPLE FINDING

    API keys hard-coded
    in the agent app
    HIGH

    Agent & partner portals

    Portals for agents, POSPs, brokers and bancassurance partners.

    WHAT WE CHECK

    • Role & hierarchy bypass
    • Commission and payout tampering
    • Bulk export of customer data
    • Session handling

    EXAMPLE FINDING

    Agent can view policies of
    other agents’ customers
    HIGH

    Network & cloud

    Internet-facing servers, internal network and cloud.

    WHAT WE CHECK

    • External attack surface
    • Cloud IAM & storage
    • Active Directory & vendor access
    • Patch levels

    EXAMPLE FINDING

    Public storage bucket with
    claim documents
    CRITICAL

    IRDAI reporting

    Reports that fit the IRDAI assurance cycle.

    WHAT WE CHECK

    • Findings mapped to IRDAI 2026 guidelines
    • High-risk gaps tracked to 30-day closure
    • Retest evidence for every fix
    • CERT-In audit report via partner

    EXAMPLE FINDING

    Audit-ready report with
    all high-risk gaps closed
    READY
    Process

    How insurance VAPT with us works

    01

    Scoping call

    Share your portals, apps, APIs and IRDAI audit dates. We sign an NDA first.

    02

    Asset mapping

    We list every internet-facing asset, partner API and critical internal system in scope.

    03

    Testing

    Grey-box and white-box testing of apps, APIs and infrastructure in agreed windows.

    04

    Report & fixes

    Every finding with its risk and exact fix, with high-risk items flagged for 30-day closure.

    05

    Retest & audit

    We retest every fix; where a CERT-In empanelled report is needed, our partner verifies and issues it.

    Engagements

    Pick the engagement that fits

    Tell us your entity type and IRDAI audit dates, and we’ll send a fixed quote.

    ESSENTIAL

    Internet-facing VAPT

    Portals, apps and APIs exposed to the internet.

    • VA + grey/white-box PT
    • Business-logic testing
    • Report with fixes
    • 2 free retests
    Get a quote
    MOST POPULAR

    Full IRDAI cycle

    Internet-facing assets plus critical internal systems.

    • Everything in Essential
    • Internal network & AD
    • Board-ready summary
    • CERT-In audit via partner
    Get a quote
    CONTINUOUS

    Half-yearly programme

    Testing that follows the IRDAI calendar.

    • Two VAPT cycles a year
    • Pre-go-live app & API tests
    • Changes tested before production
    • Gap tracking for the board
    Talk to us
    “Their penetration testing methodology was thorough and aligned with OWASP standards. The final report was detailed, actionable, and easy for our developers to understand.”
    Shaik Ajur★★★★★
    “Xtreme InfoSec identified critical vulnerabilities that other vendors missed, with excellent remediation support.”
    William John★★★★★
    FAQ

    Questions before you start

    How often does IRDAI require VAPT?−

    Under the IRDAI Information and Cyber Security Guidelines, 2026, internet-facing assets need a vulnerability assessment and grey/white-box penetration test at least every six months, critical internal applications and infrastructure at least once a year, and apps and APIs before they go live.

    Are brokers, TPAs and web aggregators covered?+

    Yes. The guidelines cover insurers and most intermediaries, including brokers, corporate agents, web aggregators, TPAs, insurance marketing firms and ISNPs. Individual agents and POSPs are excluded, but insurers must hold them to a minimum security standard.

    Can you provide a CERT-In empanelled auditor’s report?+

    Yes, through our CERT-In empanelled partner. Xtreme InfoSec is not CERT-In empanelled: we run the testing and help you fix the findings, and the partner’s team verifies them and issues the report. How CERT-In audits work →

    How fast must findings be fixed?+

    The 2026 guidelines say high-risk VAPT gaps should be closed within 30 days at most and then retested, and all audit gaps within two months. We prioritise findings so your team can meet those dates.

    What do you need from us to start?+

    URLs and app builds, test accounts for each role, API documentation, a list of partner integrations and your audit dates. We sign an NDA first.

    Get started

    Get ready for your next IRDAI cycle.

    Book a free scoping call. Share your portals, apps and audit dates, and get a clear plan and a fixed quote.

    +91 98183 63944

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