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Cyber Insurance In India
Cyber insurance policy provides a safety shield for businesses and individuals against malware and ransomware cyber-attacks. Financial losses that might occur due to fraudulent activities related to information technology infrastructure and activities are also covered by it. The national cyber agency CERT-In has issued severity warnings for Google Chrome and multiple vulnerabilities in Apple iOS, iPadOS and Apple Safari versions.
As dependency on the digital world has increased, cyber crimes have also considerably increased in the country. From business transactions to matchmaking, almost everything now can be done virtually. While digital dependence has become a norm, be careful about sharing personal information in apps and websites. Apart from maintaining basic preventions like not sharing our passwords and logging out from our personal accounts when using a public system, it is important that we protect ourselves with the best cyber insurance policy. HDFC ERGO offers a wide range of cyber insurance plans for students, entrepreneurs, working professionals, etc. It has also developed a fully customisable Cyber Sachet Insurance Plan to protect all types of people in the digital world.
Why Do You Need Cyber Insurance?
We live in a digital era where we cannot imagine our single day without the internet. Especially with the coronavirus pandemic far from over, we still rely on virtual platforms for daily business operations. However, with the extensive use of the internet, there is a need to safeguard your data from any sort of cyber-attacks.
Nowadays, digital payments are at an all-time high, but so are dubious online sales and fraudulent transactions. Cyber Insurance can safeguard your losses online and ensure you are protected if anything goes wrong. It will help you carry out your online activities without the constant worry of financial losses due to cyber threats. While surfing online, you get exposed to different types of risks, depending upon the nature of your activity. Hence, HDFC ERGO has designed cyber sachet insurance, which is fully customisable to meet your requirements and thereby help you operate digitally without any stress or worry.
Things to Keep in Mind before Buying Car Insurance Online
Cyber Insurance Plan For Student
University/College students are constantly online. Be it social media, online transactions or file transfers. Keep yourself protected from fraud online transactions, cyber bullying and social media liability with our customised HDFC ERGO Cyber Sachet Insurance plan.
Cyber Insurance Plan For Family
Choose comprehensive coverage for your family from a range of cyber risks that can be unforeseen and costly. Stay protected from fraud online transactions, identity theft, malware attacks on your devices and smart home, with our customised HDFC ERGO Cyber Sachet Insurance plan
Cyber Insurance Plan For Working Professional
As a working professional, you have ever increasing cyber protection needs. We protect you from fraud online transactions, identity theft, malware attacks on your devices, with our customised HDFC ERGO Cyber Sachet Insurance plan
Cyber Insurance Plan For Entrepreneur
As a budding entrepreneur, you need to ensure that you have total protection against the rising cyber risks. Stay protected from fraud online transactions, identity theft, breach of privacy and much more with our customised HDFC ERGO Cyber Sachet Insurance plan
Cyber Insurance Plan For Shopaholic
Cyber protection is must for shopaholics who spend their time online shopping. Stay protected from fraud online transactions, purchases from fake websites and social media liability with our customised HDFC ERGO Cyber Sachet Insurance plan
Inclusion of Two Wheeler Insurance
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,
Replacement Of Hardware
We Cover cost involved in replacing your personal device or its components which gets affected due to malware attack.
Online Sales
We covers financial loss incurred due to selling of products online to a fraudulent buyer who does not pay for the same and at the same time refuses to return the product.
Privacy Breach And Data Breach Liability
We cover legal cost incurred to defend you from third party claims, due to unintentional leak of confidential data from your devices/accounts.
Liability Arising Due To Underage Dependent Children
We Cover legal cost incurred to defend you from third party claims due to the cyber activities of underage children.
Identity Theft
We Cover financial losses, credit monitoring costs, legal prosecution costs arising from the misuse of your personal information on the internet by a third party along with psychological consultation costs for the affected victim
Cyber Bullying, Cyber Stalking And Loss Of Reputation
We cover legal costs, cost of removing objectionable content posted by cyber-bullies and psychological consultation costs for the affected victim.
Social Media And Media Liability
We Covers legal cost incurred to defend you from third party claims, in case your social media post has caused privacy breach or copy right violations.
Privacy Breach By A Third Party
We Cover legal cost incurred to pursue a case against a third party for leaking your confidential information or data
Theft Of Funds - Unauthorized Physical Transactions
Covers Any losses arising from physical frauds like Fraudulent ATM withdrawals, POS frauds etc. on your credit/debit/prepaid cards will not be covered.
Data Restoration/ Malware Decontamination
We Cover the cost involved in recovering your lost or corrupted data caused by malware attacks on your cyber space.
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.
Network Security Liability
We Covers legal cost incurred to defend you from third party claims, incase their devices are infected by a malware originating from your device.
Smart Home Cover
We covers cost of restoring or decontaminating your smart home devices which gets affected due to malware attack
Cyber Extortion
We Cover financial losses incurred by you by means of ransome or compensation paid to resolve cyber extortion
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