UPI fraud, phishing links, fake shopping sites and SIM-swap scams are now everyday risks. Personal cyber insurance covers financial losses from unauthorised online transactions and the costs of dealing with identity theft, cyber stalking or data loss, including legal help.
Who needs it
- Anyone who pays or banks online
- Families with children and senior parents using smartphones
- People with a large social media presence
What's covered
Financial fraud
Money lost through unauthorised online banking, card, UPI or wallet transactions.
Identity theft
Costs of restoring your identity and legal expenses.
Cyber bullying and stalking
Legal costs and counselling.
Malware and data restoration
Recovering data or devices affected by malware.
Online shopping fraud
Money paid to fraudulent sellers, where covered.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Losses you do not report to your bank and the police within the time the policy requires
- Fraud by family members living with you
- Losses before the policy started
- Intentional or dishonest acts by you
Popular add-ons
Family cover
Extend cover to your spouse, children and parents under one policy.
Documents checklist
To get a quote or buy
- PAN card and Aadhaar (or another officially valid ID) for KYC
- Names of family members to cover
To make a claim
- Claim form and policy copy
- Bank statements showing the fraudulent transactions
- Complaint to the bank and the cyber crime portal / police FIR
- Screenshots, emails or messages related to the incident
Frequently asked questions
What should I do first if I am defrauded?
Call your bank to block the account or card, report on the national cyber crime helpline 1930 or cybercrime.gov.in, then call us to start the claim.
Does it cover money I sent willingly to a scammer?
It depends on the policy. Some plans cover social engineering or phishing losses; others do not. We will show you the difference.
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ExploreNot sure what you need?
Tell us about your family or business and we will suggest the right cover, in plain language.
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