Cyber Insurance in India

BAJAJ ALLIANZ INDIVIDUAL CYBER SAFE INSURANCE POLICY

Let play a quick word association game, shall we? When we say the word internet, what comes to your mind? Social media, Friends ,Entertainment Ah, the gift of the internet. A time before the internet is quite unimaginable to us now. If we push our imagination a little, we may conclude that it was boring and sort of like a dark age. However, it was safer by a massive measure
However, in today s world, it is almost impossible to function without exposing yourself to the online world, at least to a certain degree. And this makes one very vulnerable to the flip side.

Identify fraud, Phishing, Cyber stalking

You're potentially exposed to these threats almost every day. What do you do then? Stop using the internet? Of course not! You find a way to protect yourself from potential cyber threats and risks and Bajaj Allianz Cyber Insurance helps you do just that.

Realizing the growing need for Cyber Insurance in India, we designed our policy to support the Personal Cyber Insurance Market and became the first Indian Insurer to offer Cyber Insurance.

The internet is, perhaps, the best and worst creation mankind has invented. With its benefits of connectivity, communication and convenience, it brings with it a set of new-age risks. These can range from misuse of your financial information and data theft to cyber stalking and identity theft.

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.

Multiple covers under One single policy

BAJAJ ALLIANZ CYBER SAFE INSURANCE POLICY COVERAGE

The Most Dangerous Thing About Cyber Threats Is That They Are Usually Not Detectible Until After They Have Already Happened. Unlike A Stalker In Real Life, A Cyber Stalker Cannot Be Seen And Unlike A Suspicious Person Lingering Near An ATM, Phishers Are Hard To Perceive. Considering All The Possible Cyber Threats And Risks You're Exposed To Every Time You're Online, Wave Designed Our Cyber Insurance Policy To Help Protect You.

Identity Theft

Your digital devices are a good reflection of who you are because they store everything that s so true and raw about you. This includes your personal conversations, photos, videos, text, browser history, passwords and bank details. Even people in long-term relationships usually refrain from sharing phone and account passwords.

Cyber Stalking

Cyber stalking is a frightening fate we wish no one ever had to meet. Its the repeated use of digital communication to harass or frighten a person. It makes one feel attacked and unsafe all the time, no matter where they are.

Malware Attack

Take a minute to think of the number of text messages you receive daily or the number of downloads you make form the internet. The number is considerable, isn't it?

IT Theft Loss

Convenience of banking transactions online and cyber theft are two sides of the same coin. You can continue enjoying the good side because our Cyber Safe Policy will cover you against the bad one.

Phishing

Phishing is a new avenue for fraudsters and swindlers to cheat unsuspecting people. Its 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.
Email Spoofing

Email spoofing is a forgery or a wrongful manipulation of an E-mail header so that the message appears to have originated from the actual source.

Media Liability Claims

Our Personal Cyber Insurance will help you in event of 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.

Cyber Extortion

Cyber extortion is any threat to cause a privacy breach, data breach or cyber-attack. It s scarier than an actual person holding a knife because online, people can hide behind the shield of anonymity and you can often feel defenseless.

Privacy & Data Breach by Third Party

Today, the internet and your computer system are like the new-age version of dear diary. They contain a lot of your personal data photos, videos, text and more that you probably don't want anyone to ever see.

All you need to know about your cyber insurance policy.

ADDITIONAL BENEFITS OF BUYING PERSONAL CYBER INSURANCE POLICY

INCLUSIONS

Counselling Services

We understand that taking care of the financial burden pure financial loss and legal expenses is only part of the solution. Most things tend to have a ripple effect and being subject to a cyber crime like cyber-stalking or identity theft can have some serious consequences on one's mental health and wellbeing. Our Individual Cyber Insurance Policy therefore covers 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 being subject to any of the above cybercrimes.

We're the first Indian insurer to offer Cyber Crime Insurance Policy in India and we've made sure to design our policy in a way that it offers a holistic cover.

IT Consultant Services Cover

There a lot of costs that you can't anticipate until they are thrown at you. This tends to hamper budgeting and staying on track with financial goals. When you're the victim of a cybercrime, you will require an IT Consultant to help you prove the amount and extent of a covered loss. IT Consultants are tech geniuses, but their services can be on the costlier end.

However, our Personal Cyber Insurance Policy will cover the IT consultant services cost. You can go ahead and get the best help you can find to fight back against cybercrime and don't once think about the cost, because we've got your back.

EXCLUSIONS

01.Trust building is a two-way street and hence dishonest and improper conduct is not something we accept

02.Property damage or bodily injury except mental anguish or emotional distress or disturbance

03.Any unsolicited communication or correspondence, wire tapping, audio or video recordings or telephone marketing

04.Any unauthorized collection of personal data client information

05.We don't sympathize with any losses in connection with racist, extremist, pornographic or other immoral or obscene services