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Cyber Insurance

WhatsApp Fraud Protection

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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

Comprehensive WhatsApp Fraud Protection Through Cyber Insurance

In today's digital landscape, WhatsApp has become the most exploited platform by cybercriminals, with over 43,797 complaints of cyber fraud recorded in the first three months of 2024. As India's leading messaging platform with over 500 million users, WhatsApp's popularity has made it a prime target for sophisticated fraud schemes, making comprehensive cyber insurance protection more crucial than ever.

Understanding WhatsApp Fraud Risks in 2025

WhatsApp scams can target anyone through unsolicited messages from unknown numbers, particularly those asking you to click links, visit websites, share verification codes, or divulge personal information. The most concerning trend is the emergence of "Pig Butchering" scams, where fraudsters build long-term trust relationships before executing financial fraud.

Common WhatsApp Fraud Types Include:

        ● Phishing attacks through fake messages

        ● Social engineering scams

        ● Identity theft attempts

        ● Financial fraud schemes

        ● Cyber extortion threats

        ● Fake customer service impersonation

Bajaj Allianz Cyber Insurance: Your Digital Shield 

Bajaj Allianz's Individual Cyber Safe Insurance Policy ensures optimum protection against potential cyber threats and risks, covering financial losses and helping you fight back against fraudsters. This comprehensive policy is specifically designed to address the growing menace of WhatsApp and social media fraud.

Key Coverage Features for WhatsApp Fraud Protection 

1. Phishing Protection Coverage Pure financial loss sustained by being an innocent victim of phishing attacks by third parties, including prosecution costs against fraudsters. This covers direct monetary losses from WhatsApp phishing scams.

2. Social Media Coverage Comprehensive protection against fraud occurring through social media platforms, including WhatsApp, ensuring you're covered for identity theft and financial losses arising from social media scams.

3. Email Spoofing Protection Coverage for pure financial loss from email spoofing attacks where fraudsters wrongfully manipulate email headers to appear as legitimate sources, often used in conjunction with WhatsApp fraud schemes.

4. Cyber Extortion Coverage Protection against cyber extortion losses where fraudsters threaten to release personal information or compromise accounts unless ransom demands are met.

Why Choose Bajaj Allianz for WhatsApp Fraud Protection? 

Industry Leadership: Bajaj Allianz became the first insurer in India to introduce individual cyber insurance policies, demonstrating over two decades of innovation in the insurance sector.

Comprehensive Coverage: Sum insured limits ranging from ₹1 lakh to ₹100 lakh with no excess, ensuring adequate financial protection against cyber fraud losses.

Quick Claim Settlement: Claims are settled within 5 working days after receiving all documents and forensic expert reports, with 24/7 customer support available.

Expert Support Services: Access to forensic experts, IT consultants, and counselling services to help recover from cyber attacks and prevent future incidents.

The Growing Need for Cyber Insurance in India 

The global cyber insurance market is expected to reach USD 16.3 billion in 2025, with Asia's cyber insurance market expected to triple by 2025 driven by growing regulatory oversight. This growth reflects the increasing sophistication and frequency of cyber attacks targeting individuals.

Phishing attacks affected nearly 83% of companies in 2021, with highly impersonated brands including Amazon, Google, Facebook, and WhatsApp accounting for significant portions of fraudulent communications.

Benefits You Deserve

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Variety of Plans Available

Select from a wide range of coverages

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No deductibles

Protection without the extra cost: Zero deductibles, zero worries

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No sub-limits

Unlimited coverage: No sub limits, maximum protection

Buy Now

At-A-Glance

Find the best coverage options side by side, tailored to your needs.

Coverage Name
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Plan 1
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Plan 2
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Plan 3
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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 File a Cyber Insurance Claim

Step 1: Immediately lodge a written complaint/FIR with police and cyber cell Step 2: Intimate Bajaj Allianz within 1-2 working days by calling the toll-free helpline 1800-209-5858 Step 3: Provide all necessary documentation and evidence Step 4: Await forensic expert verification and claim processing

Premium and Coverage Options

Starting at just ₹1 per day, Bajaj Allianz Cyber Insurance offers affordable protection against escalating cyber threats. The policy provides:

        ● Annual renewable coverage

        ● No waiting period for most benefits

        ● Worldwide coverage for Indian residents

        ● Additional counselling and legal support services

Prevention Tips While Maintaining Insurance Protection 

While cyber insurance provides crucial financial protection, combining it with preventive measures maximizes your security:

        ● Never share verification codes or personal information via WhatsApp

        ● Verify sender identity through alternative communication channels

        ● Report suspicious messages to authorities immediately

        ● Regularly update privacy settings and security features

Get Protected Today 

Don't wait for cyber fraudsters to target you. With WhatsApp banning over 9.7 million accounts in India by February 2025 due to fraudulent activities, the threat landscape continues evolving rapidly.

Ready to secure your digital life? Visit Bajaj Allianz Cyber Insurance to get instant quotes and comprehensive protection against WhatsApp fraud and other cyber threats. Protect your financial future with India's most trusted cyber insurance provider.

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Get instant access to your policy details with a single click.

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How Bajaj Allianz Individual Cyber Safe Insurance Protects You?

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Comprehensive Coverage

Our plans provide all-round protection for your digital needs

Family Discount

Avail exciting discounts on our floater cyber safe plans

Quick Claim Settlement

Quick, effortless claim settlement process

Counselling Services

Covers fees & expenses of psychiatrist, psychologist & counsellor
Assistance

Increase In Cyber Crime

There was a 15x increase in cyber crime in the last 5 years
Assistance

UPI Fraud Victims

70% of UPI fraud victims do not recover their lost money
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Personal Data Loss

Over 60 Cr. Indians' data was leaked in the last 3 years

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How To List

Easy steps to buy, renew, and claim Cyber Insurance

How to Buy

  • 0

    Visit Bajaj Allianz website

  • 1

    Enter personal details

  • 2

    Compare cyber insurance plans

  • 3

    Select suitable coverage

  • 4

    Check discounts & offers

  • 5

    Add optional benefits

  • 6

    Proceed to secure payment

  • 7

    Receive instant policy confirmation

Buy Now

How to Renew

  • 0

    Login to the renewal portal

  • 1

    Enter your current policy details

  • 2

    Review and update coverage if required

  • 3

    Check for renewal offers

  • 4

    Add or remove riders

  • 5

    Confirm details and proceed

  • 6

    Complete renewal payment online

  • 7

    Receive instant confirmation for your policy renewal

Renew now

How to Claim

  • 0

    Notify Bajaj Allianz about the claim

  • 1

    Submit all the required documents

  • 2

    Choose cashless or reimbursement mode for your claim

  • 3

    Avail treatment and share required bills

  • 4

    Receive claim settlement after approval

Claim Now

Contact Us

  • 0

    For any further queries, please reach out to us

  • 1

    Toll Free : For Sales :1800-209-0144

  • 2

    Email ID: bagichelp@bajajallianz.co.in

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Awards
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Bajaj Allianz General Insurance won IBEX award
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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..

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Amagond Vittappa Arakeri

Mumbai

4.5

27th Jul 2020

Prompt Assistance

Thank you so much, Bajaj Allianz, for your quick and responsive action towards my claim process

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Priya K

Bengaluru

4.9

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!

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ADARSHA UPPUNDA

Delhi

4.5

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. 

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Deepak Bhanushali

Mumbai

4.8

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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