Sales: 1800-209-0144 Service: 1800-209-5858

Individual Cyber Safe Insurance Policy

Talk to an expert

  I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to
contact me. It will override my registry on the DNCR. Read more

Key Features

  • Covers phishing, cyber stalking, malware attacks and other cyber risks
  • First Indian insurer to introduce cyber insurance for individuals
  • Multiple coverage options at affordable premium
  • Sum insured options ranging from Rs. 1 lac to Rs. 1 crore
Buy Online
4.2 550

Why Bajaj Allianz Individual Cyber Safe Insurance Policy?

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.

We at Bajaj Allianz, understand such new-age risk factors and their impact. Our individual cyber safe insurance policy ensures that you get optimum protection against potential cyber threats and risks.


Coverage under the Individual Cyber Safe policy

What is covered under Cyber Insurance Policy


Identity Theft

Cyber Stalking

Malware Attack

IT Theft Loss

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

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

Media Liability Claims

Cyber Extortion

Privacy & Data Breach by Third Party

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

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

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

Note: If an event gives rise to a claim under the policy, the Insured can claim only under one of the Insuring clauses per event.


Coverage under the Individual Cyber Safe policy

Click to know more

Identity Theft

Cyber Stalking

Malware

IT Theft Loss

Phishing

Media Liability Claims

Cyber Extortion

Privacy & Data Breach by Third Party

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

Note: If an event gives rise to a claim under the policy, the Insured can claim only under one of the Insuring clauses per event.


Additional Benefits of Buying Cyber Insurance Policy

  • Counselling Services
    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.

  • IT Consultant Services Cover
    IT Consultant costs incurred by you in order to prove the amount and the extent of a covered loss.


Exclusions in Cyber Liability Insurance Policy

  • Dishonest and improper conduct
  • Bodily Injury / Property damage
  • Unsolicited Communication
  • Unauthorized Collection of data
  • Immoral / Obscene Services

Frequently Asked Questions

1. Who can buy this policy?

Any Individual person above 18 years of age.

2. What is the policy period?

This is an Annual policy.

3. What are the plans available under the policy?

Plans under the policy start from INR 1 Lac to INR 100 Lac.

4. What is the excess in this policy?

There is NO excess in the policy.

Disclaimer: The information provided above is only indicative. Please refer to policy documents for details of coverage before making a purchase.