From The Economic Times · PTI · · 50s
Irdai Bans Insurance Dark Patterns
Irdai proposes banning dark patterns on insurance sites to lower costs and boost transparency.
In brief
Irdai proposes banning dark patterns on insurance sites to lower costs and boost transparency. Irdai bans dark patterns requiring personal details on insurance websites to reduce distribution costs and improve customer access. Originally reported by The Economic Times.
Irdai Proposes Ban
Regulator Irdai proposes banning dark patterns on insurance websites.
“dark patterns mean any practices or deceptive design patterns using user interface or user experience interactions on any platform that are designed to mislead or trick users into doing something they originally did not intend or want to do”
Distribution Reforms
Irdai proposes three distribution categories: IDEs, IDPs, and MIIs.
Lower Distribution Costs
EoM limits reduce from 30% to 20% of GDPI for general insurers.
Customer Access
Insurers must disclose product details without personal details.
EoM Reduction Plan
EoM limit moves to company-level basis linked to GDPI within two years.
Next Steps
Irdai invites comments until October 25.
The essence
Irdai bans dark patterns requiring personal details on insurance websites to reduce distribution costs and improve customer access.