With an increase in internet penetration, social media and digital banking transactions, we are unknowingly exposed to various cyber-attacks. These can range from misuse of your financial information to data theft, cyber stalking etc.
Coverage under the Individual Cyber Safe policy
Identity Theft
Any fraudulent and unauthorized access to usage, deletion or alteration of your personal data stored in your computer system including your digital devices.
Coverage Offered
Defense costs as a result of any claim by affected party.
Prosecution costs against a Third party for identity theft.
Costs of transportation to court and photocopying of documents.
Social Media
Defense and prosecution costs against identity theft occurring on your legitimate Social Media account as a result of a cyber-attack.
Coverage Offered
Defense costs as a result of any claim by affected party.
Prosecution costs against a Third party for identity theft from Social Media.
Costs of transportation to court and photocopying of documents.
Cyber Stalking
Repeated use of digital communications to harass or frighten you.
Coverage Offered
Costs incurred by the Insured for prosecution
of a criminal case against a third party for Cyber
Stalking.
Malware
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.
Coverage Offered
Restoration costs of the Insured’s computer system due to damage caused by Malware.
Defense costs as a result of any claim by affected party for legal liability caused due to the malware in Insured’s Computer system.
Costs of transportation to court and photocopying of documents.
IT Theft Loss
Funds wrongfully or erroneously paid by you as a direct result of Third Party’s unauthorized targeted cyber intrusion into your computer system.
Coverage Offered
Financial Loss due to IT Theft.
Costs including legal fees for a claim lodged by insured against a financial institution or payment system operators.
Prosecution Cost against a Third party for causing IT Theft Loss.
Phishing
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.
Coverage Offered
Pure Financial loss sustained by Insured by being an innocent victim of an act of Phishing by a third party.
Prosecution costs against a Third party for phishing attack.
Email Spoofing
A forgery or a wrongful manipulation of an E-mail header so that the message appears to have originated from the actual source.
Coverage Offered
Pure Financial loss sustained by Insured by being an innocent victim of an act of email spoofing by a third party.
Prosecution costs against a Third party for email spoofing.
Media Liability Claims
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.
Coverage Offered
Defense costs for arising out of a claim by a third party for Insured Media wrongful act.
Prosecution costs against a Third party for media wrongful act.
Costs of transportation to court and photocopying of documents.
Cyber Extortion
A threat to cause a Privacy Breach, Data Breach or Cyber Attack.
Coverage Offered
Cyber extortion loss that the insured incurs due to a result of Cyber Extortion Threat.
Prosecution costs against a Third party for Cyber Extortion.
Privacy & 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.
Coverage Offered
Legal fees incurred by Insured for claiming damages against a Third party for Privacy Breach and or Data Breach.
