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The internet is full of wonders.
It's also full of dangers.
Be Internet Insured with HDFC ERGO's
Cyber Sachet Insurance. Plans starting at less than `2/day*
Customise
as per your need
Zero
deductibles
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Multiple
Devices Covered
What is Cyber Sachet Insurance?
HDFC ERGO has designed cyber sachet insurance to protect you from unforeseen risks that you may face in the digital world. You can choose any cover that you want from our wide range of cyber risk covers. With our innovative cover options and modular design, you have the option to make your own cyber plan or choose from a wide variety of pre-customised plans to meet your safety requirements.
With the coronavirus pandemic still looming over us, most people are still into virtual operations of businesses. Nowadays, attending virtual classes, online business meetings and even entertainment concerts/events is considered the ‘new normal. However, with this ‘new normal', the probability of you becoming the victim of cybercrime has also gone up. Hence, to protect you from any sort of unforeseen event while surfing the internet, HDFC ERGO has come up with a fully customisable cyber insurance product that covers all kinds of risks in the digital world today at the most affordable price.
Why Do You Need Cyber Sachet Insurance?
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 daily business operations. 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.
Cyber Sachet Insurance For All
Student Plan
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.
Buy Plan
Family 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
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Working Professional 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
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Entrepreneur 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
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Shopaholic 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
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Make Your Own 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.
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Understand Coverage Offered by Our Cyber Sachet 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
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
Reasons To Choose HDFC ERGO
Our cyber insurance plan is designed with the most affordable premium keeping in mind a wide range of cyber risks.
Flexibility to choose your own plan
No deductibles
No sub-limits
Coverage extends to all your devices
Keeps you stress-free
Protection against cyber risks
Frequently Asked Questions on Cyber Insurance
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% |
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