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Home / HDFC ERGO Cyber Sachet Insurance / Cyber Sachet Insurance For Working Professional

Cyber Sachet Insurance For Working Professional

When you are working with an organisation, there is high need to secure your devices. Working professionals get into conversation about business with clients where they have to share confidential information. There are possibilities of these information getting leaked from the device, which can land you up in trouble and thereby lead to financial losses. With HDFC ERGO customized plan for working professional your devices can be safeguarded from identity theft, malware attacks, fraudulent activities, etc.

Why Do You Need Cyber Sachet Insurance For Working Professional?

Nowadays, it is nearly impossible to survive without internet. Especially since the beginning of coronavirus pandemic, we still mostly rely on virtual platforms for daily business operations. However, with the extensive use of the internet, there is a need to protect your data from any sort of cyber-attacks.

Employees store confidential information on their device which if get leaked or stolen by an intruder can lead to a problematic situation for both the employee and the organization. However, if you have a cyber sachet insurance plan in place, you can get coverage for any losses arising due to breach of important data by the third party.

What's Covered in Cyber Sachet Insurance for Working Professional

Theft of Funds

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

Replacement of Hardware

We Cover cost involved in replacing your personal device or its components which gets affected due to malware attack.

Cyber Bullying & Loss Of Reputation

We cover legal costs, cost of removing objectionable content posted by cyber-bullies and psychological consultation costs for the affected victim

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

What's not Covered in Cyber Sachet Insurance for Working Professional

Gambling

It does not cover betting or staking of something of value, with consciousness of risk and hope of gain, on the outcome of a game.

Use of Restricted Websites

If you purposefully enters a restricted websites in spite of getting a popped up warning and suffer loses, it does not get covered.

Loss Incurred in Crypto Currency

Crypto currency such as bitcoin exists digitally or virtually and don't have a central issuing or regulating authority, hence it is not covered.

Cost of Upgrading Devices

Cost incurred for upgrading devices to latest version of software are not covered and even loss of data that might occur during upgradation are not covered.

Coverage to Work Place

No coverage for any financial losses incurred an organisation's practices and procedures concerning part of its business.

Coverage for Investment Activities

Any financial losses incurred by investment in bitcoin or in a particular market industry and on variety of financial deals within that market.

Legal Suit Protection from Family

Any sort of protection from a legal suit from a family member is not covered in cyber sachet insurance.

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

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Frequently Asked Questions

1. Why is cyber safety important for working professionals?

Cybersecurity is crucial because it safeguards all types of data against theft and loss. Sensitive data, personally identifiable information (PII), protected health information (PHI), personal information, intellectual property, and financial data are all examples of this. Working professionals are often in a hurry during the day, and they tend to underestimate better cyber security. Due to this, working professionals cannot defend themselves against data breach campaigns and other harmful assaults that damage security without a cybersecurity program.

2. What is cyber security insurance for working professionals?

Cyber insurances come in different ways. While some plans help you cover certain aspects of cyber security, there are plans that help in all-around protection from different cyber attacks. It is vital to find and take such cyber insurance plans because cyber actors are quite clever, and they are always on the move to create better plans for exploitation.

There is a risk that crucial information may be leaked from the device, putting you in hot water and resulting in financial damages. Your devices may be protected against identity theft, malware attacks, fraudulent activities, and other threats with an HDFC ERGO tailored plan for working professionals.

The plan covers various types of cyber attacks like theft of funds, Identity theft, Social media and Liability, Network security, cyber bullying, and loss of security.

3. Do working professionals really need cyber insurance?

Working professionals are frequently burdened with the obligation of safeguarding both their personal and professional data. They carry corporate data on their devices, while personal devices include financial, health, and other sensitive information.

As a working professional, if you are the subject of a cyber assault, attackers may get a wealth of information that may be used against you and your employer. In such instances, having cyber security insurance that protects you from all angles is critical.

Cybersecurity insurance can help working professionals safeguard their online presence and share data without the chances of exploitation.

4. What are the benefits of buying cyber insurance for working professionals?

Buying cyber insurance provides many benefits to working professionals, so let’s have a look at those benefits below.

Extended Coverage Across Devices

Working professionals juggle a wide range of devices on a daily basis. They have their personal laptops, office laptops, mobile phones, and tablets to work with. Due to a wide range of devices, there is a chance that security may be loose, and that makes it easy for attackers to target such individuals. With cyber insurance, you can ensure excellent coverage across all your devices.

Live Stress-free

When your liabilities are covered, you can enjoy your work without any stress. Cyber insurance protects you from multiple instances of cyber threats and ensures that you are not exploited financially or mentally.

Protection Against Wider Risks

Cyber insurance provides you with protection from a wide range of risks, such as impersonation, theft of funds, replacement and stealing of hardware, or corrupting devices through malware.

Flexibility For Plan

Most cyber security insurance providers give customers an option to create a plan that suits their needs bests. This way, customers can create plans that suit their needs and get all-around protection from cyber attacks.

5. What is not covered under cyber insurance for working professionals?

Gambling

A cyber insurance policy does not cover staking something of value on the outcome of a game, with the awareness of risk and the prospect of profit. Online gambling is a large business, and there are numerous websites that provide it, but no one should trust them. A cyber insurance policy will not cover gambling results.

Use of Restricted Websites

Restricted websites are not available for use for a variety of genuine reasons. If you willfully visit a prohibited website while understanding the implications and incur any type of loss, you will not be compensated. It is usually preferable to avoid such websites in order to retain your cyber insurance in effect.

Loss In Cryptocurrency Trading

Cryptocurrency trading is risky, yet many individuals do it to make money quickly. But there is a cost to every chance. If you trade cryptocurrencies, you risk suffering considerable losses in a short period of time. Furthermore, because cryptocurrencies exist digitally or electronically and without a central issuing or regulatory body, they are not protected.

Cost of Upgrading Devices

It is critical to upgrade equipment in order to keep them insured and secured from cyber attacks. The expense of updating devices to the newest software and hardware is not covered, and even data loss that may occur during the upgrade process is not covered by the cyber insurance policy.

Workplace Coverage

Your office is not a virtual entity, and it cannot be regarded when it comes to cyber security. Cyber insurance does not cover financial damages suffered by an organization's activities and processes relating to a portion of its business.