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Cyber Sachet Insurance
Customise
As Per Your Need
Zero
Deductibles
Extend
Cover to Family
Multiple
Devices Covered
Cyber Insurance provides a safety shield for individuals against cyber-attacks and online frauds. In today's digital landscape, individuals face an escalating threat of cyberattacks that can compromise sensitive personal data and incur significant financial losses. Cyber insurance has emerged as a vital safeguard, offering comprehensive coverage against various cyber risks, including data breaches, cyber extortion, and business interruptions.
We offer tailored policies to meet the unique needs of diverse individuals, ensuring robust protection and peace of mind. Selecting the right cyber insurance policy is crucial for mitigating potential cyber threats. Our customisable solutions address the multifaceted challenges posed by cyber incidents, safeguard your assets, and maintain cyber safety in an increasingly interconnected world.
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 day-to-day activities. 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.
Choose from our carefully curated plans, or make your own!
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.
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
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
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 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.
With HDFC ERGO cyber sachet insurance policy, you even have the liberty to make your customised cyber plan where you can choose the cover of your choice and select the sum insured amount as per your wish. In addition, there is also an option to extend the cover to your family.
Please refer to the list of Active Products & Withdrawn Products before purchasing any policy.
The above mentioned coverage 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 plan.
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 | โน10,000 to โน5Cr |
Please refer to the Policy Issuance & Servicing TATs.
Our cyber insurance plan is designed with the most affordable premium keeping in mind a wide range of cyber risks.
Cyber insurance isnโt a magic shield that keeps threats away. Think of it as your safety netโthere to soften the blow if disaster strikes, but not a replacement for a solid cybersecurity strategy. While itโs crucial for companies to have cyber insurance, it should only step in to cushion the impact after a cyberattack. Your insurance policy works best when it complements the security measures you have in place.
When acquiring cyber insurance, insurers assess your companyโs cybersecurity posture before offering coverage. Investing in robust security isnโt just a best practiceโitโs non-negotiable. While insurance helps manage risks, your defense strategy is what truly keeps you out of harmโs way.
Answers to some of the most common questions
1
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
The policy period is 1 year (annual policy)
3
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:
You may select any combination of the available covers as per your cyber insurance needs.
4
You can make your own plan in the following steps:
5
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
You may opt for Sum Insured on the following basis:
7
In case you select Per Section Sum Insured, the following discount will be applicable:
In case you select Floater Sum Insured, the following discount will be applicable:
| No of Covers | % Discount |
|---|---|
| 2 | 10% |
| 3 | 15% |
| 4 | 25% |
| 5 | 35% |
| โฅ6 | 40% |
8
No. There are no deductibles under the policy
9
No. There is no waiting period applicable
10
No. There are no sub-limits applicable under any section of the policy
11
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
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
Yes. You may appoint your own lawyer for the legal proceedings, post consultation with us.
14
Yes. You will receive a 5% discount for policies purchased directly from our website
15
There is no restriction on the number of devices that will be covered
16
You can prevent cyber attacks by remembering these 5 quick, easy steps:
17
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
Yes. You may cancel the policy after taking it. You will be eligible for a refund of premium as per the table below:
| 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% |
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