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Cyber Insurance
Online Shopping Fraud Protection
Plans starting at ₹ 1/day*
Shielding you in the digital universe with our Cyber Insurance
Coverage Highlights
Key benefits of this plan
No Deductibles
Enjoy peace of mind with “no upfront payments” required for covered claims
No Sublimits
Benefit from comprehensive coverage with “no sublimits” for different areas
Smart Home Protection
Get coverage for the costs of restoring or decontaminating your smart home devices affected by malware attacks
Family Coverage Extension
Extend your coverage to include your family with an additional premium
Note
*Premium for SI of ₹ 50,000 starts at ₹ 365 annually excluding taxes
Inclusions
What's covered?Digital Theft of Funds
Pays agreed amount in case of financial losses due to unauthorized access to your accounts caused by phishing or email spoofing
Identity Theft
Pays agreed amount in case of lost wages, credit monitoring costs, and the cost of prosecution related to identity theft.
Data Restoration
Pays for IT services to recover data or fix devices after a cyber attack
Cyber Bullying, Cyber Stalking, and Loss of Reputation
Covers the cost of prosecution against a third party for committing cyber bullying or stalking
Cyber Extortion
Covers Loss that the Insured Beneficiary incurs solely and directly as a result of a Cyber Extortion Threat first Discovered during the Period of Insurance
Social Media/Media Liability
Covers Legal liability that directly results from the Identity Theft of the Insured Beneficiary from a legitimate Social Media account of the Insured Beneficiary by Cyber Attack
Privacy Breach and Data Breach Liability
Pays agreed amount for costs including legal fees incurred by the Insured Beneficiary for a Claim for Damages lodged by the Insured Beneficiary
Malware Cover
Covers cost incurred due to damage caused by Malware received through SMS, File transfer, downloaded programs from Internet or any other digital means by the Insured Beneficiary’s Computer System which has resulted in information stored in it to be damaged or altered or disrupted or misused
Phishing Cover
Pays agreed amount for Direct and Pure Financial Loss sustained by the Insured Beneficiary by being an innocent victim of an act of Phishing by a third party
Note
Please read policy wording for detailed terms and conditions
Exclusions
What's not covered?Dishonest or Improper Conduct
Any: a) deliberate, criminal, fraudulent, dishonest or malicious act or omission; or b) intentional or knowing violation of any duty, obligation, contract, law or regulation; by the Insured Beneficiary c) Any losses that are caused intentionally & against the law
Bodily Injury
Any actual or alleged bodily injury, sickness, mental anguish or emotional distress or disturbance, disease or death of any person howsoever caused
Property Damage
Any damage to or destruction of any tangible property, including loss of use thereof
Contractual Liability
Any liability under any contract, agreement, guarantee or warranty assumed or accepted by an Insured Beneficiary except to the extent that such liability would have attached to an Insured Beneficiary in the absence of such contract, agreement, guarantee or warranty
Unsolicited Communication
Any distribution of unsolicited correspondence or communications (whether in physical or electronic form), wiretapping, audio or video recordings or telephone marketing
Trade Secrets and Intellectual Property
Any actual or alleged plagiarism or infringement of any Trade Secrets, patents, trademarks, trade names, copyrights, licenses or any other form of intellectual property
War, Terrorism including Cyber Terrorism and Governmental Acts and Trading
Any losses or liabilities connected with any types of purchase or sale transactions or other dealing in securities, commodities, derivatives, foreign or Federal Funds, currencies, foreign exchange, cryptocurrencies and the like
Note
Please read policy wording for detailed terms and conditions
Complete Online Shopping Fraud Protection with Bajaj Allianz Cyber Insurance
In today's digital-first world, online shopping has become an integral part of our daily lives. However, with the convenience of e-commerce comes the growing threat of online shopping fraud. Bajaj Allianz General Insurance's Individual Cyber Safe Policy ensures that you get optimum protection against potential cyber threats and risks, including comprehensive coverage for online shopping fraud.
Understanding Online Shopping Fraud in the Digital Age
The most dangerous thing about cyber threats is that they are usually not detectable until after they have already happened. Online shopping fraud encompasses various malicious activities that target unsuspecting consumers during their e-commerce transactions. From fake websites to payment gateway breaches, these threats can result in significant financial losses and identity theft.
What Does Bajaj Allianz Cyber Insurance Cover for Online Shopping?
Financial losses like online loss of funds from account held in a bank, payment wallets etc. are covered under IT Theft Loss Cover, Phishing Cover and E-mail Spoofing. The comprehensive cyber insurance policy from Bajaj Allianz provides extensive protection against:
Key Coverage Areas for E-commerce Protection
Phishing Attack Coverage
Phishing is a new avenue for fraudsters and swindlers to cheat unsuspecting people. It's any attempt to obtain your sensitive information such as usernames, passwords, and credit card details. Bajaj Allianz cyber insurance covers pure financial loss sustained by being an innocent victim of phishing attacks by third parties, including prosecution costs against fraudsters.
IT Theft Loss Protection
The policy provides comprehensive coverage for unauthorized access to your digital devices and online accounts. This includes protection against hackers who may gain access to your shopping accounts, steal payment information, or make unauthorized purchases using your credentials.
Email Spoofing Coverage
Email spoofing is a forgery or a wrongful manipulation of an E-mail header so that the message appears to have originated from the actual source. This coverage protects against financial losses when criminals send fake emails appearing to be from legitimate e-commerce platforms.
Why Choose Bajaj Allianz for Cyber Insurance?
Industry-Leading Experience
Bajaj Allianz General Insurance came into being on 2nd May 2001 and launched India's first individual Cyber Insurance Policy. With over two decades of experience, the company has established itself as a pioneer in cyber risk protection.
Comprehensive Coverage Options
CyberSafe is the only cyber insurance policy, in the Indian insurance industry, which is specifically designed for individuals. Multiple coverage options are available at affordable premiums (starting from INR 700). Sum insured options range from INR 1 lakh to INR 100 Lakhs.
Quick Claim Settlement Process
We will initiate the claim settlement process and remit the payment to you within 5 working days after receiving all documents and report from forensic/cyber expert. The streamlined process ensures rapid financial recovery after cyber incidents.
Real-World Protection for Modern Threats
E-commerce Security Challenges
With the exponential growth of online shopping, cybercriminals have developed sophisticated methods to target consumers. From fake shopping websites to compromised payment gateways, the threats are evolving constantly. Bajaj Allianz cyber insurance provides a safety net against these emerging risks.
Identity Theft Protection
Identity theft is any fraudulent and unauthorized access to usage, deletion or alteration of your personal data stored in your computer system including your digital devices. The policy covers defense costs, prosecution expenses, and financial losses resulting from identity theft during online shopping.
Additional Benefits and Services
Professional Support Services
The cyber insurance policy includes access to IT consultant services and counseling support. Covers the IT consultant costs incurred with its IT Consultant services cover. Covers the reasonable cost of treatment in case counselling services are needed by the insured due to cyber-attack.
Legal Protection
The policy provides comprehensive legal support including defense costs, prosecution costs, and transportation and photocopy expenses for legal proceedings related to cyber attacks.
Benefits You Deserve
Variety of Plans Available
Select from a wide range of coverages
No deductibles
Protection without the extra cost: Zero deductibles, zero worries
No sub-limits
Unlimited coverage: No sub limits, maximum protection
At-A-Glance
Find the best coverage options side by side, tailored to your needs.
| Coverage Name |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
|---|---|---|---|---|
| Digital Theft of funds | Yes | Yes | Yes | Yes |
| Identity theft | Yes | Yes | Yes | Yes |
| Data Restoration | Yes | Yes | Yes | Yes |
| Cyber Bullying/Stalking/Loss of reputation | Yes | Yes | Yes | Yes |
| Cyber Extortion | Yes | Yes | Yes | Yes |
| Online Shopping | Yes | No | Yes | Yes |
| Online Sales | No | No | No | Yes |
| Social Media/Media Liability | No | Yes | No | Yes |
| Network Security Liability | No | No | No | Yes |
| Privacy Breach and Data Breach Liability | No | Yes | No | Yes |
| Privacy Breach and Data Breach by Third Party | No | No | No | Yes |
| Loss of Professional Income | No | No | No | Yes |
How to Get Protected Today
Eligibility and Application Process
Any individual aged 18 or above can purchase cyber insurance in India. Recognising that internet use is now a regular part of life, we've made our Individual Cyber Safe Policy easily accessible.
To secure your online shopping activities with comprehensive cyber insurance coverage, visit Bajaj Allianz Cyber Insurance and explore the policy options that best suit your digital lifestyle.
Affordable Premium Structure
Starting at just ₹1 per day, Bajaj Allianz cyber insurance makes comprehensive protection accessible to all online shoppers. The policy offers flexible sum insured options ranging from ₹1 lakh to ₹100 lakhs, allowing you to choose coverage that matches your risk exposure.
Conclusion: Your Digital Safety Net
In an era where online shopping fraud is becoming increasingly sophisticated, having robust cyber insurance protection is not just advisable—it's essential. Bajaj Allianz's comprehensive cyber insurance policy provides the financial security and peace of mind you need to shop online confidently.
Don't let cyber threats compromise your financial security. Take the first step towards comprehensive digital protection by exploring Bajaj Allianz Cyber Insurance today and secure your online shopping experience with India's most trusted cyber insurance provider.
Download Policy Document
Get instant access to your policy details with a single click.
How Bajaj Allianz Individual Cyber Safe Insurance Protects You?
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How To List
Easy steps to buy, renew, and claim Cyber Insurance
How to Buy
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Visit Bajaj Allianz website
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Enter personal details
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Compare cyber insurance plans
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Select suitable coverage
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Check discounts & offers
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Add optional benefits
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Proceed to secure payment
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Receive instant policy confirmation
How to Renew
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Login to the renewal portal
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Enter your current policy details
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Review and update coverage if required
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Check for renewal offers
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Add or remove riders
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Confirm details and proceed
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Complete renewal payment online
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Receive instant confirmation for your policy renewal
How to Claim
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Notify Bajaj Allianz about the claim
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Submit all the required documents
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Choose cashless or reimbursement mode for your claim
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Avail treatment and share required bills
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Receive claim settlement after approval
Contact Us
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For any further queries, please reach out to us
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Toll Free : For Sales :1800-209-0144
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Email ID: bagichelp@bajajallianz.co.in
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What Our Customers Say
Excellent Service
Bajaj Allianz provides excellent, hassle-free service with a user-friendly platform that is simple to understand and operate. Thanks to the team for serving customers with dedication and ensuring a..
Amagond Vittappa Arakeri
Mumbai
27th Jul 2020
Prompt Assistance
Thank you so much, Bajaj Allianz, for your quick and responsive action towards my claim process
Priya K
Bengaluru
27th Sep 2021
Quick Assistance
Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you, Keep it up!
ADARSHA UPPUNDA
Delhi
15th Feb 2022
Claim Support
I really appreciate the way I was treated regarding my claim. The customer service was professional and friendly, which enhanced my confidence in Bajaj Allianz.
Deepak Bhanushali
Mumbai
4th Jun 2023
FAQs
Can individuals get cyber insurance in India?
Yes, any individual aged 18 or above can purchase cyber insurance in India. Recognising that internet use is now a regular part of life, we've made our Individual Cyber Safe Policy easily accessible.
What is the policy period?
This is an annual policy. Renewing your policy is quick and easy, allowing you to maintain your cyber protection for as long as you're online.
What plans are available under the policy?
We understand that everyone has different needs. Coverage requirements vary depending on internet usage habits and other factors. Our Cyber Insurance Policy offers plans ranging from ₹1 lakh to ₹1 crore. The Personal Cyber Insurance cost varies accordingly, with several affordable options available.
Is there an excess on this policy?
There is no excess on the Cyber Insurance Policy. An excess is the amount you pay towards a claim before the insurer settles it. Our policy removes this extra cost.
What if I am the victim of more than one cybercrime simultaneously?
We're sorry to hear that. In such a situation, you can claim under the policy. However, only one insuring clause per event can be claimed.
What is a cyber insurance policy?
A cyber insurance policy safeguards businesses and individuals against financial losses from cyberattacks, data breaches, and other cyber incidents. It typically covers costs associated with data recovery, legal fees, and notification expenses.
Can I get a cyber insurance policy for my business?
Yes, cyber insurance policies are designed for businesses of all sizes. The range of available coverage options can vary significantly based on the specifics of your business and its online activities, ensuring that you can find a plan that effectively meets your unique needs.
What is the cost of cyber insurance policy?
The cost of a cyber insurance policy varies depending on factors such as your business size, the types of data you handle, the coverage level you select, and your company's cybersecurity measures.
What documents do I need to get a cyber insurance policy?
Usually, you will need to provide information about your business's cybersecurity practices, data storage methods, and incident response plan. Some insurers may require documentation related to your company's risk assessments and security audits. It's always best to check with the specific insurance provider for their documentation requirements.
What types of incidents are covered by cyber insurance?
Generally, it covers a range of incidents, including data breaches, ransomware attacks, phishing scams, and network security failures. Coverage extends to costs associated with data restoration, legal representation, customer notification, and financial losses due to business disruptions. Specific coverage may vary based on the policy and provider.
How is the cost of cyber insurance determined?
The cost of cyber insurance is influenced by several factors, such as the size of the business, the type of data handled, the strength of existing security measures, and the industry in which the business operates. Insurers assess risk based on these factors to determine premiums. Companies with robust security protocols may qualify for lower rates
What steps should I take after a cyber incident?
Following a cyber incident, it is crucial to immediately notify your cyber insurance provider. You should also preserve all relevant evidence, initiate your incident response plan, and engage with cybersecurity professionals to access and mitigate the damage. Timely reporting and action are essential for a successful claim and minimizing losses.
Does cyber insurance cover all financial losses from a cyberattack?
While cyber insurance aims to cover a broad range of financial losses, certain exclusions may apply. Policies often have limits and may not cover indirect losses, such as reputational damage or future business opportunities. It's essential to carefully review your policy to understand the scope of coverage and any potential limitations.
Can I renew my cyber insurance policy?
Yes, cyber insurance policies are usually renewable. Most insurers offer renewal options, though the specific terms may depend on your company's risk profile.
How can I extend my cyber insurance plan?
Cyber insurance policies are preferably renewed rather than extended. It is better if you contact your insurance provider before the policy's expiration date to initiate the renewal process.
What happens if my cyber insurance expires?
If your cyber insurance expires, it remains uncovered. The owner will be financially responsible for any losses resulting from data breaches, cyberattacks, or other events which are usually covered under cyber insurance.
What is the validity period of cyber insurance?
The validity period for cyber insurance typically lasts one year, although some insurers may offer policies with different durations. Always verify the validity period with your insurance provider when purchasing or renewing your policy.
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