Cybersecurity for insurers and health payers

Insurance runs on trust: that claims will be paid and that private details will stay private. Claims files hold medical records, bank details, family information and accident reports. If that data leaks, policyholders are harmed first, and the insurer’s licence and reputation follow.

How data leaves an insurer

Insurers share data with a long chain of partners. Agents, brokers, bancassurance banks, hospitals, repair shops and third-party administrators (TPAs, the firms that process claims on the insurer’s behalf) all connect to your systems. Each connection is a possible way in.

Common weak points include:

  • Member and claims portals and apps that let one user view another person’s policy or medical claims by changing an ID number.
  • Broker and TPA accounts with more access than they need, protected by weak passwords and no second login step.
  • Payment pages and stored card data that are not properly separated from the rest of the network, as PCI DSS requires.
  • Backups and recovery plans that have never been tested against a ransomware attack.

The regulatory picture

OJK supervises insurers and expects them to manage IT risk, protect customer data and report serious incidents. The Personal Data Protection Law (UU PDP) treats health and financial data as specific personal data, with stricter duties. Card payments fall under PCI DSS. Insurers and administrators that handle US health plan data are also subject to HIPAA. Many insurers use ISO/IEC 27001 and SOC 2 to show partners and reinsurers that their controls work.

What Snipeyes provides

We test your web portals, mobile apps and APIs and review the source code. Findings are mapped to OJK expectations, UU PDP, PCI DSS, SOC 2, ISO/IEC 27001 and HIPAA where it applies, so a single report can support several audits. You receive it within 10 days of testing, and we retest once fixes are in place.

Member data used during testing is masked and handled under NDA. The executive summary explains each risk in terms of harm to policyholders, regulatory exposure and business disruption.

Our 24/7 Security Operations Center (SOC) can monitor your systems. Our data breach monitoring gives early warning when member data or staff credentials appear in leaks.

Claims and customer service teams often paste case notes into AI tools. Nesgate masks member IDs and policy data before they are sent to those tools.

About Snipeyes

Snipeyes is CREST-accredited and ISO/IEC 27001:2022 certified. Our testers use OWASP ASVS, OWASP MASVS and PTES. Life, health and general insurers, TPAs, brokers and insurtech companies all use this service.