Individual Cyber Insurance Policy

Sr. No HDFC Ergo Bajaj Allianz Bajaj Allianz
1 E@Secure Insurance Individual Cyber Safe Insurance (Individual) Group Cyber Safe Insurance
2 Individual  Cyber /Family Floater Individual Group-Organization/Entity/Group Manager named in the Master Policy
3 Identity Theft : when Insured’s personal information is stolen over the internet by third party to obtain money, goods or services Identity Theft Cover: Any fraudulent and unauthorized access to usage, deletion or alteration of your personal data stored in your computer system including your digital devices. Identity Theft Cover: Any fraudulent and unauthorized access to usage, deletion or alteration of your personal data stored in your computer system including your digital devices.
4 The policy will reimburse expenses incurred for: Coverage Offered: Coverage Offered:
5  1. Rectifying credit records with bank or financial institutions or Credit 1.Defense costs as a result of any claim by affected party 1.Defense costs as a result of any claim by affected party
6 Bureau agencies 2.Prosecution costs against a Third party for identity theft 2.Prosecution costs against a Third party for identity theft
7  2. Unpaid leave to take time off work to rectify credit records 3.Costs of transportation to court and photocopying of documents 3.Costs of transportation to court and photocopying of documents
8  3. For consultation with a psychologist for traumatic stress – upto 10% of limit of liability
9 Phishing & Email Spoofing : Covers monetary loss due to unauthorized obtaining of your confidential personal or access information by Phishing Cover: Any attempt to obtain your sensitive information such as usernames, passwords, and credit card details (and sometimes, indirectly, money), often for malicious reasons, by masquerading as a trustworthy entity through an electronic communication. Phishing Cover: Any attempt to obtain your sensitive information such as usernames, passwords, and credit card details (and sometimes, indirectly, money), often for malicious reasons, by masquerading as a trustworthy entity through an electronic communication.
10 imitating a website, email or other electronic communication. Coverage Offered Coverage Offered
11 The policy will pay for 1.Pure Financial loss sustained by Insured by being an innocent victim of an act of Phishing by a third party 1.Pure Financial loss sustained by Insured by being an innocent victim of an act of Phishing by a third party
12  loss of money resulting directly due to phishing and email 2.Prosecution costs against a Third party for phishing attack 2.Prosecution costs against a Third party for phishing attack
13 spoofing
14 E-extortion : Covers financial loss suffered due to extortion threat received from third party over the internet Cyber Extortion Cover Cyber Extortion Cover
15 The policy pays for : A threat to cause a Privacy Breach, Data Breach or Cyber Attack. A threat to cause a Privacy Breach, Data Breach or Cyber Attack.
16  expenses for appointing professional IT security consultants to investigate and restore data & remove the ransom ware. If recovery not feasible, then the policy pays the amount surrendered as an extortion payment with prior consent Coverage Offered Coverage Offered
17 Cyber extortion loss that the insured incurs due to a result of Cyber Extortion Threat Cyber extortion loss that the insured incurs due to a result of Cyber Extortion Threat
18 Prosecution costs against a Third party for Cyber Extortion Prosecution costs against a Third party for Cyber Extortion
19 Damage to e-Reputation: Covers damage to personal reputation due to harmful publication (including forums, blog postings, social media) by a third party on the internet Media Liability Claims Cover: Media Liability Claims Cover:
20 The policy will reimburse expenses incurred for: Any liability arising out of unintended publication or broadcasting of any digital content resulting out of a Cyber Attack on your Computer System including your digital devices. Any liability arising out of unintended publication or broadcasting of any digital content resulting out of a Cyber Attack on your Computer System including your digital devices.
21  1. Services of an IT specialist to remove and suppress the content Coverage Offered Coverage Offered
22   2.For consultation with a psychologist for traumatic stress 1.Defense costs for arising out of a claim by a third party for Insured Media wrongful act 1.Defense costs for arising out of a claim by a third party for Insured Media wrongful act
23 2.Prosecution costs against a Third party for media wrongful act 2.Prosecution costs against a Third party for media wrongful act
24 3.Costs of transportation to court and photocopying of documents 3.Costs of transportation to court and photocopying of documents
25 Unauthorised online transactions :Covers loss due to fraudulent use of a person’s bank account or credit /debit card or e-wallet by a third party for purchases made over the internet. E-mail Spoofing; A forgery or a wrongful manipulation of an E-mail header so that the message appears to have originated from the actual source. E-mail Spoofing; A forgery or a wrongful manipulation of an E-mail header so that the message appears to have originated from the actual source.
26 The policy pays for: Coverage Offered Coverage Offered
27 1.Financial loss suffered on account of the fraudulent transaction 1.Pure Financial loss sustained by Insured by being an innocent victim of an act of email spoofing by a third party 1.Pure Financial loss sustained by Insured by being an innocent victim of an act of email spoofing by a third party
28 2.Costs incurred to resolve the breach with the banks 2. Prosecution costs against a Third party for email spoofing 2. Prosecution costs against a Third party for email spoofing
29 3.Unpaid leave to take time off work to rectify records
30
31 Cyber Bullying/ Harassment; Cyber Stalking :Repeated use of digital communications to harass or frighten you. Cyber Stalking :Repeated use of digital communications to harass or frighten you.
32 If a third party defames or posts unwarranted statements about an Coverage Offered Coverage Offered
33 individual on the internet which results in lower self-esteem and depression Costs incurred by the Insured for prosecution of a criminal case against a third party for Cyber Stalking Costs incurred by the Insured for prosecution of a criminal case against a third party for Cyber Stalking
34 The policy will pay for:
35   consulting psychologist for traumatic stress
36 Add-on covers: Malware Cover: Computer program received through SMS, File transfer, downloaded programs from internet or any other digital means by your computer system including your digital devices maliciously designed to infiltrate and damage it without your consent. Malware Cover: Computer program received through SMS, File transfer, downloaded programs from internet or any other digital means by your computer system including your digital devices maliciously designed to infiltrate and damage it without your consent.
37 • Cover for Insured and Insured’s Family – Self, Spouse and 2 dependent children (no age limit) Coverage Offered Coverage Offered
38 • Protection of Digital Assets from Malware – sub-limited to 10% of the policy limit – cost of restoration, replacement or recollection of digital assets which are corrupted or destructed by Malware 1.Restoration costs of the Insured’s computer system due to damage caused by Malware 1.Restoration costs of the Insured’s computer system due to damage caused by Malware
39 2.Defense costs as a result of any claim by affected party for legal liability caused due to the malware in Insured’s Computer system 2.Defense costs as a result of any claim by affected party for legal liability caused due to the malware in Insured’s Computer system
40 3.Costs of transportation to court and photocopying of documents 3.Costs of transportation to court and photocopying of documents
41 IT Theft Loss Cover :Funds wrongfully or erroneously paid by you as a direct result of Third Party’s unauthorized targeted cyber intrusion into your computer system. IT Theft Loss Cover :Funds wrongfully or erroneously paid by you as a direct result of Third Party’s unauthorized targeted cyber intrusion into your computer system.
42 Coverage Offered Coverage Offered
43 1.Financial Loss due to IT Theft 1.Financial Loss due to IT Theft
44 2.Costs including legal fees for a claim lodged by insured against a financial institution or payment system operators 2.Costs including legal fees for a claim lodged by insured against a financial institution or payment system operators
45 3.Prosecution Cost against a Third party for causing IT Theft Loss 3.Prosecution Cost against a Third party for causing IT Theft Loss
46 Social Media Cover: Defense and prosecution costs against identity theft occurring on your legitimate Social Media account as a result of a cyber-attack. Social Media Cover: Defense and prosecution costs against identity theft occurring on your legitimate Social Media account as a result of a cyber-attack.
47 Coverage Offered: Coverage Offered:
48 1. Defense costs as a result of any claim by affected party 1. Defense costs as a result of any claim by affected party
49 2. Prosecution costs against a Third party for identity theft from Social Media 2. Prosecution costs against a Third party for identity theft from Social Media
50 3. Costs of transportation to court and photocopying of documents 3. Costs of transportation to court and photocopying of documents
51 Privacy Breach and Data Breach by Third Party : Any unauthorized disclosure of your personal data by a third party or any unauthorized access or use of your personal data stored in Third Party’s computer system. Privacy Breach and Data Breach by Third Party : Any unauthorized disclosure of your personal data by a third party or any unauthorized access or use of your personal data stored in Third Party’s computer system.
52 Coverage Offered Coverage Offered
53 Legal fees incurred by Insured for claiming damages against a Third party for Privacy Breach and or Data Breach Legal fees incurred by Insured for claiming damages against a Third party for Privacy Breach and or Data Breach
54 Additional Benefits of Buying Cyber Insurance Policy; Additional Benefits of Buying Cyber Insurance Policy;
55 Counselling Services Counselling Services
56 All reasonable fees, costs and expenses of an accredited psychiatrist, psychologist or counsellor chosen by you, to take treatment for stress, anxiety or such similar medical conditions resulting from any of the above. All reasonable fees, costs and expenses of an accredited psychiatrist, psychologist or counsellor chosen by you, to take treatment for stress, anxiety or such similar medical conditions resulting from any of the above.
57 IT Consultant Services Cover IT Consultant Services Cover
58 IT Consultant costs incurred by you in order to prove the amount and the extent of a covered loss. IT Consultant costs incurred by you in order to prove the amount and the extent of a covered loss.