Steering Committee of DIN Standards Committee Finance
Customer Data Access and Portability in the Insurance Sector - Part 1: Semantic interface and data model
Abstract
Article 20 GDPR and Article 4 and 5 the proposed FIDA Regulation require the data access and portability of customer data. To support this demand CEN/TC 445 will organise the standardisation project with its Working Group 1 in which the following European standardisation deliverable will be developed. European Standard (EN) for the semantic specification of the interfaces The scope of this EN for customer (natural or legal person) data access and portability in the insurance sector should be based on the insurance-specific part of the proposed FIDA Regulation and therefore should contain: • Semantic specifications for the processes to support the data access and portability. These specifications define on the business level the functions and the behaviour for the following process interfaces: - Request of the customer to the data holder for an actual transfer of the customer data (Article 4 FIDA). - Transfer of the requested customer data from the data holder to the requesting customer (Article 4 FIDA). - Request of a data user to a data holder for an actual transfer of customer data under a permission of the customer (Article 5 FIDA). - Transfer of the requested customer data from the data holder to the requesting data user (Article 5 FIDA). • Sematic specifications for the customer data to be transferred by the above processes. The scope of the customer data will be limited to the insurance-specific part of the FIDA proposal defined in the Article 2 (1) and Article 3 (3) of FIDA. These specifications define on the business level each element of the customer data with identification, name, precise definition, and value type (text, number, amount, quantity, percentage, date, etc.). The composition of these data elements forms a semantic data model for the insurance-specific customer data. The data model will consist of the following parts: - General data of the policy holder (including address, contact details, profession, payment means, etc.). - General data of the insurance policy (including policy number, insurance product and coverages, insured period, premium amounts, etc.). - Data specific to the consumers' insured assets which are collected for the purposes of a demands and needs test. - Data depending on class of business, such as - Motor insurance (details about vehicle, usage, drivers), - Property insurance (details about building, household or other objects), - Liability insurance (details about insured persons and their activities), - Accident insurance (details about insured persons and their activities), - Insurance-based investment products (details about insured persons and the savings, investments, pension rights, etc.). The EN specifies the processes and the data model on the semantic level in a syntax-neutral format, independent from its representation in a concrete implementation syntax.
Begin
2025-02-01
WI
00445005
Planned document number
00445005
Responsible national committee
NA 177-00-06 AA - Digital Information Interchange in the Insurance Industry
