HDFC Ergo Cyber Insurance

Key Features	Benefits
Theft Of Funds	Covers financial losses incurred arising from online frauds.
Zero Deductibles	No need to pay any amount up front toward a covered claim.
Covered Devices	Facility to cover risk for multiple devices.
Affordable Premium	Plan starting at Rs 2/day*.
Identity Theft	Coverage for financial losses due to misuse of personal information on the internet.
Policy Period	1 year
Sum Insured	₹10,000 to ₹5Cr

Disclaimer - The above mentioned features may not be available in some of our Cyber Insurance plans. Please read the policy wordings, brochure and prospectus to know more about our cyber insurance plans.

• 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.
  
  

• 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
  
  

• Data Restoration/ Malware Decontamination
  
  We Cover the cost involved in recovering your lost or corrupted data caused by malware attacks on your cyber space.
  
  

• Replacement Of Hardware
  
  We Cover cost involved in replacing your personal device or its components which gets affected due to malware attack.
  
  

• 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
  
  

• 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
  
  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.
  
  

• 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.
  
  

• 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, connected on the same network
  
  

• 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.
  
  

• 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
  
  

• Smart Home Cover
  
  We covers cost of restoring or decontaminating your smart home devices which gets affected due to malware attack
  
  

• 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
  
  

• 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
  
  

• Cyber Extortion
  
  We Cover financial losses incurred by you by means of ransome or compensation paid to resolve cyber extortion

• 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

Initiate a claim or to know about the process visit HDFC ERGO Selfhelp to initiate/Track a claim.

OR

Connect on HDFC ERGO’s Whatsapp no 8169500500

OR

Call on HDFC ERGO's toll free helpline no. 022 6234 6234 / 0120 6234 6234 and register your claim.

*Please note these are illustrative exclusions. For detailed list, kindly refer the policy wordings.

*This content is descriptive only. Actual coverage is subject to language policy issued.

Disclaimer:
Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale.

1. Who can buy this policy?

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

2. What is the policy period?

The policy period is 1 year (annual policy)

3. What are the covers available under the policy? Can I select any cover?

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:
1. Theft of Funds (Unauthorized Digital Transactions & Unauthorized Physical Transactions)
2. Identity Theft
3. Data Restoration / Malware Decontamination
4. Replacement of Hardware
5. Cyber Bullying, Cyber Stalking and Loss of Reputation
6. Cyber Extortion
7. Online Shopping
8. Online Sales
9. Social Media and Media Liability
10. Network Security Liability
11. Privacy Breach and Data Breach Liability
12. Privacy Breach and Data Breach by Third Party
13. Smart Home Cover
14. Liability arising due to Underage Dependent Children
You may select any combination of the available covers as per your cyber insurance needs.

4. Can I make my own plan under this policy?

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

5. What is the range of Sum Insured available under the policy?

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

6. What is Per Section Sum Insured and a Floater Sum Insured?

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

7. Do I get any discount for choosing a Per Section or a Floater SI?

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%

8. Is there any deductible under the policy?

No. There are no deductibles under the policy

9. Is there any Waiting Period under the policy

No. There is no waiting period applicable

10. Is there any sub-limit under the policy?

No. There are no sub-limits applicable under any section of the policy

11. What if I am a victim of more than one cyber crime at the same time?

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

12. Can I get a cover for my family under this policy?

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

13. For legal proceedings, can I hire my own lawyer?

Yes. You may appoint your own lawyer for the legal proceedings, post consultation with us.

14. Will I get any discount if I purchase the policy directly from the website?

Yes. You will receive a 5% discount for policies purchased directly from our website

15. Which devices will be covered?

There is no restriction on the number of devices that will be covered

16. How can I prevent cyber attacks?

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

17. How do I purchase this policy? Is there any documentation required during policy issuance?

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

18. Can I cancel the policy after taking it?

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%

​​​​​​​Disclaimer: Terms & Conditions Apply. *Price of Student Plan for a Sum Insured of Rs. 50,000 excluding taxes. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure / prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. UIN: HDFC ERGO Cyber Sachet Insurance - IRDAN125RP0026V01202122.