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Personal Cyber Insurance

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Personal Cyber Insurance

Personal Cyber Insurance is a specialized insurance product designed to provide financial protection and support to individuals in the event of cyber-related risks and incidents. It offers coverage for various threats such as cyberattacks, identity theft, online fraud, and data breaches.

Key Features:

1. Comprehensive Coverage: Personal Cyber Insurance offers coverage for a wide range of cyber-related risks, including financial losses, legal expenses, and identity theft recovery costs.

2. 24/7 Assistance: Policyholders have access to round-the-clock assistance and support services to address cyber incidents promptly.

3. Identity Theft Protection: Coverage includes assistance and reimbursement for expenses incurred in restoring the policyholder's identity in case of identity theft..

4. Cyber Extortion Coverage: Protection against cyber extortion threats, including ransomware attacks and blackmail attempts.

Benefits:

1. Financial Protection: Personal Cyber Insurance provides financial coverage for losses resulting from cyberattacks, online fraud, and identity theft, helping individuals recover financially from these incidents.

2. Peace of Mind: Policyholders enjoy peace of mind knowing that they have comprehensive protection against a wide range of cyber risks, backed by the support of their insurance provider.

3.Expert Assistance: Access to expert assistance and resources to help mitigate the impact of cyber incidents, including legal advice, cybersecurity expertise, and identity theft resolution services.

4. Risk Management: Some policies offer proactive risk management services, including cybersecurity assessments, security training, and breach prevention strategies.

Eligibility Criteria:

1. Individuals: Personal Cyber Insurance is available to individuals who want to protect themselves against cyber risks and threats

2. Internet User: Any individual who uses the internet for personal or professional purposes can benefit from Personal Cyber Insurance.

3. Age Limit: Generally open to individuals of all ages, but some policies may have age restrictions or eligibility criteria based on the applicant's internet usage habits and risk profile

Coverages:

1. Financial Losses: Coverage for financial losses resulting from online fraud, unauthorized transactions, and cyberattacks.

2. Identity Theft: Reimbursement for expenses related to identity theft, including legal fees, credit monitoring, and identity restoration services.

3. Cyber Extortion: Coverage for expenses incurred in response to cyber extortion threats, including ransomware payments and extortion demands.

3. Data Breach Liability: Protection against legal liabilities and expenses arising from data breaches, including regulatory fines, legal fees, and customer notification costs.

Add-Ons:

1. Social Media Protection: Coverage for cyber risks associated with social media platforms, including privacy breaches, account hijacking, and reputation damage.

2. Home Network Security: Additional coverage for securing home networks and connected devices against cyber threats such as malware, phishing, and hacking.

3. Travel Assistance: Coverage for cyber risks encountered while traveling, including public Wi-Fi security, lost or stolen devices, and travel-related identity theft.

Exclusions:

1. Pre-Existing Conditions: Coverage may be excluded for losses or incidents that occurred before the policy's effective date.

2. Unsecured Practices: Losses resulting from the insured's failure to implement reasonable cybersecurity measures may be excluded from coverage.

3. Criminal Acts: Coverage may not apply to losses resulting from intentional criminal acts or fraudulent activities committed by the insured.

Claim Process:

1. Notification: TThe insured must promptly notify the insurance provider of any cyber incident or potential claim.

2. Documentation: The insured must provide documentation and evidence supporting the claim, including incident reports, financial statements, and legal notices.

3. Investigation: The insurance provider will investigate the claim to verify its validity and determine coverage eligibility.

4. Settlement: Upon approval, the insurer will offer a settlement to the insured, which may include reimbursement for covered losses, expenses, and damages.

Why Choose PrishaPolicy

5 Reasons why you should choose us to be your policy issuing partner of choice. Allow us to tell you why we are one of the fastest growing insurance brokers.

Customer-Centric Culture

For us, you always come first. Our products and services are designed to find the best coverage for all.

A Decade of Market Leadership

Our teams expertise and experience makes them the perfect guides in choosing a policy that fits your needs.

Reliable and Consistent

Rest assured that everything will be taken care of without a glitch. From shortlisting to claims processing & delivering promises without a hitch.

Guided Policy Assistance

Our experts are forever ready to assist you through each policy detail with a fine-tooth comb.

Claims Assistance

Our DNA prompts - Sales is incomplete without timely support. From start to end, we facilitate smooth processing from lodging to settlement.

Still Thinking About It?

Get on a call with us. We take pride in being associated with you for competitively managing your risks with the best insurance covers and delivering a stress-free experience.

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Questions You Might Have

What is General Insurance and what are the different kinds of General Insurance?

General Insurance is essentially Non-Life Insurance. It offers protective coverage for assets other than life. Depending on the kind of asset insured, there are different kinds of General Insurance, such as:
  • Health Insurance, which insures the health of the policyholder
  • Home Insurance, which covers residential properties
  • Vehicle Insurance, which covers automobiles, cars, and other kinds of vehicles, depending on the specific terms of the policy
  • Travel Insurance, which insures the policyholder against several mishaps/accidents that could occur during travel
  • Can I buy General Insurance online? And is it safe to do so?

    Buying General Insurance online is certainly possible. In fact, a number of insurance service providers, including ICICI Bank, offer the option to avail of General Insurance coverage online. And while we're on this subject, it's not only safe to buy General Insurance online, it's also beneficial in a number of other ways. The advantages of buying insurance online include quicker and easier application, lower premiums and the ability to read the documentation first-hand.

    What is the eligibility criteria for purchasing General Insurance?

    The exact eligibility criteria for General Insurance depends on the kind of insurance you are looking for, the terms associated with the policy and the insurance provider you choose. Different kinds of insurance pose different insurance eligibility criteria. For instance, Health Insurance policies may contain age limits and require you to undergo a medical examination. Travel Insurance may come with eligibility criteria related to the nature of travel. To truly understand the eligibility criteria, it is best to read the terms and conditions of the policy carefully.