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Multiple Devices Covered
Theft Of Funds - Unauthorized Digital Transactions
We Cover financial losses incurred in your bank account, credit/debit cards, digital wallets arising from online frauds like unauthorized access, phishing, spoofing.
Online Shopping
We cover financial losses incurred due to online shopping on fraudulent website where you, do not receive the product even after making full payment online.
Online Sales
Any financial losses occurring during online sales due to a fraudulent activities are covered.
Social Media And Media Liability
It refers to claims for slander, libel, harassment, invasions of privacy, violations of intellectual property rights, and even improper employment practices resulting from the use of social media sites.
Coverage To Work Place
Loss due to any action or ommission in your capacity as an employee or self employed person as well as professional or business activity will not be covered.
Coverage For Investment Activities
Investment or trading losses including limitation or inability to sell, transfer or otherwise dispose of securities, is not covered
Protection From Legal Suits From A Family Member
any claim arising to defend against legal suits from your family members, any person residing with you is not covered.
Cost Of Upgrading Devices
Any costs of betterment of your personal device beyond the state existing prior to the Insured Event, unless unavoidable, is not covered.
Losses Incurred In Crypto-Currency
Any loss/misplacement/destruction/modification/ unavailability/inaccessibility of and/or delay in trading with cryptocurrencies, consisting of coins, tokens or public /private keys being used in conjunction with aforementioned, is not covered
Use Of Restricted Websites
Any loss sustained by you by accessing any restricted or websites banned by the relevant authority over internet, is not covered.
Gambling
Gambling online and or otherwise, is not covered
*Disclaimer - Explanations mentioned in "What's Covered/Not Covered" are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details
for Cyber Insurance
Any person aged 18 years and above can buy this policy. You may also include your underage children as a part of the family cover
The policy period is 1 year (annual policy).
The policy provides a wide array of sections to cater to all kinds of cyber risks that you may face in the digital world. The sections are mentioned below:
- Theft of Funds (Unauthorized Digital Transactions & Unauthorized Physical Transactions)
- Identity Theft
- Data Restoration / Malware Decontamination
- Replacement of Hardware
- Cyber Bullying, Cyber Stalking and Loss of Reputation
- Cyber Extortion
- Online Shopping
- Online Sales
- Social Media and Media Liability
- Network Security Liability
- Privacy Breach and Data Breach Liability
- Privacy Breach and Data Breach by Third Party
- Smart Home Cover
- Liability arising due to Underage Dependent Children
You may select any combination of the available covers as per your cyber insurance needs.
You can make your own plan in the following steps:
- Choose the covers that you want
- Choose the Sum Insured that you want
- Extend the cover to your family if required
- Your customized cyber plan is ready
The range of Sum Insured available under the policy is INR 10,000 to INR 5Cr. However, this is subject to underwriting guidelines. Please get in touch with us to know the latest guidelines
You may opt for Sum Insured on the following basis:
- Per Section: Provide separate Sum Insured for each selected section OR
- Floater: Provide a fixed Sum Insured that will float over the selected sections
In case you select Per Section Sum Insured, the following discount will be applicable:
- Multiple Cover Discount: A discount of 10% will be applicable when you select 3 or more sections/covers in your policy
In case you select Floater Sum Insured, the following discount will be applicable:
- Floater Discount: When you select multiple covers under the product on a Floater Sum Insured basis, the following discounts would be offered:
| No of Covers | % Discount |
| 2 | 10% |
| 3 | 15% |
| 4 | 25% |
| 5 | 35% |
| >=6 | 40% |
You will be eligible to claim for all the cyber crimes that you have been a victim of, provided that you have selected the relevant covers/sections, subject to the chosen Sum Insured
Yes. You can extend the cover to a maximum of 4 family members (including the Proposer). The family cover can be extended to you, your spouse, your children, siblings, parents or parents-in-law, residing in the same household, maximum up to 4 in number
There is no restriction on the number of devices that will be covered
You can prevent cyber attacks by remembering these 5 quick, easy steps:
- Always use strong passwords and regularly update passwords
- Always update the software that you are using
- Manage your social media privacy settings
- Ensure your home network is secure
- Keep up to date on major security breaches
You can purchase this policy from our company website. The purchasing process is completely digital and there is no additional documentation required to purchase this policy
Yes. You may cancel the policy after taking it. You will be eligible for a refund of premium as per the table below:
| Table of Short Period Scales | |
| Period of Risk (Not exceeding) | % Refund of Annual Premium |
| 1 month | 85% |
| 2 months | 70% |
| 3 months | 60% |
| 4 months | 50% |
| 5 months | 40% |
| 6 months | 30% |
| 7 months | 25% |
| 8 months | 20% |
| 9 months | 15% |
| For a period exceeding 9 months | 0% |
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