VAIT (Insurance Supervisory Requirements for IT)
BaFin's IT regulatory framework for insurance companies in Germany. VAIT mirrors BAIT's structure but addresses insurance-specific requirements for IT governance, security, and outsourcing, and has been updated to align with DORA.
VAIT (Versicherungsaufsichtliche Anforderungen an die IT) is BaFin's counterpart to BAIT, specifically designed for the insurance sector. Published in 2018 and updated to reflect evolving cyber threats, VAIT establishes IT requirements for all insurance companies and pension funds supervised by BaFin.
Like BAIT, VAIT covers IT strategy, governance, information security management, user access management, IT projects, IT operations, outsourcing, and business continuity. However, VAIT includes insurance-specific considerations such as actuarial data management, policy administration systems, and claims processing IT requirements.
With DORA now in effect, VAIT is being harmonized with EU-wide digital resilience standards. Insurance companies must ensure their compliance programs address both VAIT's national requirements and DORA's EU-level mandates, particularly around ICT third-party risk management and incident reporting.
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View framework pageRelated Terms
BaFin (Federal Financial Supervisory Authority)
Germany's integrated financial regulatory authority responsible for supervising banks, insurance companies, and securities trading. BaFin is the primary competent authority for DORA compliance in Germany, receiving incident reports and conducting supervisory reviews.
DORA (Digital Operational Resilience Act)
An EU regulation that establishes uniform requirements for the security of network and information systems in the financial sector. DORA became mandatory on January 17, 2025, and applies to banks, insurance companies, investment firms, and their critical ICT service providers.
BAIT (Banking Supervisory Requirements for IT)
BaFin's regulatory framework specifying IT requirements for German banks. BAIT translates MaRisk into concrete IT security standards covering information security management, user access management, IT projects, application development, IT operations, and outsourcing.
ISMS (Information Security Management System)
A systematic approach to managing sensitive company information to keep it secure, consisting of policies, procedures, and technical controls. An ISMS is the core requirement of ISO 27001 and provides the organizational framework for information security governance.
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