HDFC Ergo Cyber 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, 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.

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