1.3 Crore+ Happy Customers

Secure your online transactions with
e@Secure Insurance

Secure online activity of all your devices
under 1 policy

Get 100% legal coverage against
unauthorised online transactions

Introduction
What’s included?
What’s not included?
Add on Covers
Why Choose HDFC ERGO?
FAQs

e@Secure Insurance

What if we told you that every second you spend online means a greater chance of exposing your valuable information to malicious activities and threats? After all, in India every 10 minutes a cyber crime is reported. But, don’t let cybercrime hold you back. Make the most of the internet; get insured and browse without a care!

Reasons to choose e@Secure Insurance

Family cover

Don’t let cyber crimes wreak havoc on your family’s mental and emotional health. Let your family browse worry-free by securing yourself, your spouse, and two dependent children (regardless of age) from cyber criminals.

All Device Covered

Today, all of us are plugged-in and synced across multiple devices. But you need not worry about insuring all of them separately. HDFC ERGO’s e@Secure provides cover for all devices under a single insurance plan.

100% Coverage

Worried about threats to credit/debit cards, bank account or e-wallets? Well, here’s why you need not be. Our e@Secure Insurance covers losses that you might incur due to fraudulent online transactions.

Covers Legal Expenses

Protect yourself and your family from the dark side of the worldwide web with our e@secure insurance that helps you get the right legal advice and more.

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What’s Included?

Unauthorised Online Transactions

Protect your hard - earned money with a plan that provides you with a 100% cover against fraudulent online purchases on your bank account, credit/ debit card or your e-wallet.

Phishing & email Spoofing

Don’t loose money through phishing and email spoofing. With E@Secure, get cover for phishing up to 15% and 25% for e-mail phishing of the limit respectively Policy pays for the suffered financial loss due to the said attacks.

Damage to e-reputation

It takes only a few seconds for a troll to tarnish your reputation in the digital world. With e@secure stay shielded against such threats.

Identity theft

You never know how an impostor may tarnish your image within seconds. Get our e@Secure and safeguard yourself against this threat.

Cyber bullying

Protect yourself and your loved ones against cyber bullying by getting a cover of up to 10% of the policy limit with HDFC ERGO e@Secure insurance.

e-Extortion

Protect yourself against blackmailers and ransomware attacks with e@Secure that provides coverage of up to 10% of the policy limit against online extortion

What’s not Included?

Intentional Loss

We won’t be able to compensate for a fraudulent act that is intentional/deliberate.

Pre-existing Loss

The benefits of our partnership only begin once you sign up for the policy. Not much we can do for you before that.

Unexplained Loss

There’s nothing more intriguing than solving a mystery. But losses that cannot be explained or traced, or mysterious disappearances, aren’t covered under e@Secure.

Delayed Claims

While we believe in helping you claim what’s yours, we, unfortunately, won’t be able to do much about claims reported after six months of occurrence.

Offline activity

While we promise to protect you in the digital space, we’re afraid there’s not much we can do in the offline space under this plan.

Add on Covers

Family cover

Secure your family online as you do in real life with protection against loss/damage arising from internet usage. Protect yourself, your spouse, and your two children (without any age limit) and ensure complete digital security for the entire family.

How does it work?
If in case any of your family member suffers any loss or damage from internet usage (through any of the events specified in the coverages), you can rely on E@Secure to provide you with the required cover.

Cover for malware

As you lock your house doors, secure your digital assets too. Get protection against corruption and destruction of digital assets by malware. This add-on compensates for replacement expenses to the extent of 10% of the policy limit .

How does it work?
If you suffer any loss due to corruption of your digital assets caused by the introduction of malware into your system, we’ll pay for the replacement expenses incurred in restoring your assets (with coverage of up to 10% of the policy limit).

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Why HDFC ERGO?

Secured 1.6+ Crore Smiles!@

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our in-house claims team provides round the clock support to ensure a hassle-free claim experience. We ensure to be your constant support system in times of need.

Why HDFC ERGO?

Catering to customer needs

Since, last 20 years, we have been catering to endless customer requirements seamlessly, by providing a wide range of plans and add on covers for every portfolio.

Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Why HDFC ERGO?

Awards

HDFC ERGO has won under “Claims and Customer Service Excellence” category at FICCI Insurance Industry Awards, 2021.

Why HDFC ERGO?

Secured #1.6+ Crore Smiles

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 20 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

HDFC ERGO has won under “Claims and Customer Service Excellence” category at FICCI Insurance Industry Awards, 2021.

Frequently asked questions

1. Who can buy this policy?

These days everyone, from teenagers to senior citizens, are active on the cyberspace. Every such individual is prone to online threats. Hence, buying a cyber insurance policy can safeguard against online frauds. The policy can be bought by anyone who is 18 years and above and can be bought for self, spouse and two dependent children (without any age limit).

2. What is cyber insurance?

Cyber insurance provides cover against loss due to cyber frauds. With increased internet penetration, every individual is exposed to such risks that exist in the cyberspace. With Cyber Insurance, one can protect self and family members against financial risks due to Unauthorized Online Transactions, Phishing & email spoofing, Damage to e-reputation, Identity theft, Cyber bullying and E-extortion.

3. For legal proceedings, can I hire my own lawyer?

Yes, the insured can hire his/her own lawyer but after seeking consent from the insurance company.

4. What is the policy period?

It is 12 months.

5. My family and I spend a good enough time on internet. How can your cyber security policy protect us?

E@Secure policy provides cover to individuals and family of individuals for online frauds and crimes. This can include online purchase related frauds, email spoofing, phishing, damage to e-reputation, etc.

6. My kids spend lot of time on internet. I’m worried and want to know how your policy can protect them

The policy can be extended to cover dependent children of the insured. The policy can protect them from damage to their reputation online, from cyber bullying and harassment and the psychological trauma suffered due to such bullying.

7. What are the coverage options available in cyber security policy?

Risks covered under this policy are :

Damage to E-Reputation–occurs when third party publishes harmful information about you on the internet (including forums, blog postings, social media and any other website)
Identity theft – occurs when your personal information is stolen over the internet by a third party to obtain money, goods or services.
Unauthorized online transactions- occurs when your bank account or credit/debit card is fraudulently used by a third party for purchases made over the internet.
E-Extortion– occurs when a third party threatens you over the internet with the intent to extract goods, money or services.
Cyber Bullying or Harassment– if you are the victim of cyber bullying or harassment by a third party.
Phishing and E-mail Spoofing– coversfinancial loss due to Phishing and Email Spoofing.

Add on cover:

Family - extends cover to include self, spouse and 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.

8. What is the meaning of Phishing and Email Spoofing?

Phishing is the act of replicating a legitimate website to make it look and feel like the legitimate one, and thus inducing people into doing transactions or sharing details on the fake website which leads to financial loss to such customers. Email spoofing is the act of sending emails from a fake mail id to extract sensitive information of victims like their bank account details, computer system, personal information such as passwords.

9. How are Phishing and Email Spoofing covered in cyber security policy?

Phishing is covered at 15% and email spoofing at 25% of the policy limit. The policy pays against the financial loss suffered due to the said attacks.

10. I keep shuffling between India and US. Will I be covered for internet crimes in US?

The policy covers loss incurred from online frauds and crimes on a worldwide basis. However, the jurisdiction under the policy for any legal action remains India.

11. Can I claim under more than one section? Will I be paid under all sections, I have reported claim into?

If at the time of claim, multiple sections are triggered, then the policy will pay for the claim under the section which has the highest sub limit. For e.g.: if a loss triggers both damage to e reputation section (covered upto 25% of policy limit) and unauthorized online transaction (covered upto 100% of policy limit), then the claim will be paid under unauthorized online transaction.

12. Will it cover fraudulent transactions from my credit card done online?

Yes. Cyber insurance covers unauthorized online purchase made online using your credit card, personal bank account, debit card and e-wallet.

13. I had registered claim in January and my policy expired in February. I’ve incurred some expenses in covering my damages. Will they be covered?

The insured can register a claim within 6 months of the occurrence of the crime, post that the claim will not be payable.

14. Due to some reasons, I was not able to register claim within 72 hours, but I do have all supporting documents. Will claim still not be paid?

In the event of a claim and to report a claim upon discovery of an occurrence of a specified event, the insured must give written notice to HDFC ERGO along with duly filled claims form with full details thereof within 7 days after such claim is made.

15. Can I cover my family under a secure insurance plan?

Yes, the policy can be extended to cover your spouse and 2 dependent children with no age limit and an additional premium.

16. What is identity theft?

Identity theft is the fraudulent practice of using another person's name and personal information in order to obtain credit, loans, etc.

17. Whether cyber security policy covers Identity Theft?

Yes, E@Secure policy does cover identity theft.

18. I just realized that transactions done in my account two months back were actually not done by me! What to do?

If you are insured under E@Secure policy, then the financial loss suffered by you due to fraudulent online purchases made using your account details stands covered. The insured can register a claim within 6 months of the occurrence of the crime, post that the claim will not be payable.

19. How to choose perfect cover under E@Secure policy / cyber security policy?

The policy provides multiple limit of indemnity options starting from Rs50,000 to 1 Cr. The insured can choose any of the options and also take family and malware add on cover. The cover shall depend upon the insured’s credit limit, balance in his bank account and frequency and amount of purchase made over the internet.

20. Does online defamation and harassment get covered?

Yes, the policy covers damage to e-reputation as well as cyber bullying and harassment. In case of damage to e-reputation, the policy will reimburse the cost of appointing an IT specialist to counter the harmful content over the internet. The policy holder is also entitled to reimbursement of the expenses for consulting a psychologist to manage the post-traumatic stress. In case of cyber bullying and harassment, the policy compensates the cost of consulting a psychologist to manage post-traumatic stress.

21. What is the minimum premium for cyber insurance e secure by HDFC ERGO?

The premium for a minimum sum insured limit of INR 50,000 is INR 1,410 + GST.

22. Hackers had locked my PC and I was not able to log in. Can I claim expenses incurred in getting my access restored and getting control back from hackers?

No, this is not payable. IT expenses are paid only in case of e-extortion, damage to e reputation and malware.

23. Can I protect digital assets from Malware?

Yes, the policy provides protection if an individual suffers loss due to corruption or destruction of digital assets from malware. The policy pays the cost of replacement, restoration and recollection of digital assets which are corrupted by malware at an additional premium.

24. Someone has overnight withdrawn Rs 1 lakh cash from my savings account! How can I claim it under cyber security policy?

The insured can claim under E@Secure policy in the case that his account or card details are used to make online purchases fraudulently. The policy does not cover withdrawal of money from bank account.