E@Secure Insurance

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E@Secure Insurance Policy

The word INTERNET has turned our existence upside down. It has changed the way we work, socialize, create and share information and organize the flow of people, ideas, and things around the globe. Today, we spend much of our time on the internet surfing, shopping, sharing and even meeting new people. There is no doubt that internet has given us convenience and improved our life enormously, but at the same time it has also proven as a dangerous place which exposes us to the risks that exist in cyber space, such as the risk of damage to your e-reputation, fraudulent transactions with your credit cards, debit cards, theft of your personal information, etc.

HDFC ERGO brings to you E@Secure Insurance, a product designed to provide protection to individual customers in the event of online breach (arising directly from the use of internet) by the third parties resulting due to covered risk.

Key Features

  • Protection against cyber risks and frauds carried out from any device anywhere in the world
  • Coverage for entire family including spouse, 2 dependent children (no age limit)
  • Pays for legal advice and covers legal cost / expenses arising out of any covered risks
  • Covers unauthorized online transactions
  • Covers loss due to phishing and email spoofing
  • Covers online reputation & identity theft
  • Covers cyber bullying, internet trolling & harassment
  • Covers loss due to E-extortion
  • Covers cost for consulting psychologist
  • Various pre-determined limits to choose from

For more details on the risk factors, term and conditions please read the policy wording carefully before concluding the sale.

Eligibility

  • Any one over 18 years of age can buy this policy
  • Extend cover to include self, spouse and two dependent children (max up to 4 family members)

What is covered

  • Legal Protection -Covers legal cost and expenses In case of a legal dispute arising out of specified covered risk as listed below. Also covers cost of legal advice sought by the insured
  • Unauthorized online transactions- Covers fraudulent online transactions made on your bank account /debit/ credit card/ e-wallets by a third party
  • Phishing and E-mail spoofing – Covers financial loss suffered due to direct result of phishing and email spoofing
  • Damage to E-Reputation - Covers damage to personal reputation when third party publishes harmful information about you on the internet (including forums, blog postings, social media and any other website)
  • Identity theft - Reimburse expenses incurred due to loss of your personal information over the internet by a third party to obtain money, goods or services
  • Cyber bullying -Covers expenses incurred for psychological counselling, if you are the victim of cyber bullying or harassment by the third party
  • E-extortion - Covers financial loss suffered by you as a result of an extortion threat

For more details on the risk factors, term and conditions please read the policy wording carefully before concluding the sale.

Optional cover

  • Family - extend cover to include self, spouse and two dependent children (maximum upto 4 family members)
  • Protection of digital assets from Malware- covers cost of restoration and recollection of digital data maximum upto 10% of limit of liability.

Premium (Exclusive of GST)

Limits (INR) 50,000 100,000 500,000 2,000,000 5,000,000 10,000,000
Individual 1,410 1,938 3,524 6,167 10,044 14,273
Add on - Individual + Family NA NA 6,167 9,868 15,859 22,907
Add on - Malware Extension Individual 1,551 2,132 3,877 6,784 11,048 15,700
Individual + Family NA NA 6,784 10,855 17,445 25,198

Additional 5% discount applicable on policies issued through www.hdfcergo.com

Exclusions

  • Illegal or malicious act.
  • Business activities of any kind including full time or part time gainful employment or any other work for pay or profit.
  • Prior facts and circumstances.
  • Failure to take reasonable precaution to protect Your personal or confidential information.
  • Any kind of unexplained loss or mysterious disappearance.
  • Loss already reimbursed by the bank.
  • Claims reported after 6 months from the date of occurrence of the events covered under this policy.
  • Any non digital media (e.g. in print, radio and television broadcast)
  • Damage caused by a Journalist
  • Claims made in connection to the outage-of-external-networks

For complete list of exclusions, kindly refer Policy Wordings.

For more details on the risk factors, term and conditions please read the policy wording carefully before concluding the sale.

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