Cyber Insurance solutions | Raghnall insurance broking

Plan Name

SBI Cyber Vault Edge

Sum Insured

INR 10,000 - 1 Crore

Top Features

Theft of Funds
Identity Theft
Data Restoration /Malware Decontamination
Cyber Bullying, Cyber Stalking and Loss of Reputation
Cyber Shopping
Online shopping
Online Sales
Social Media & Media Liability
Network Security Liability
Privacy Breach & Data Breach Liability
Privacy Breach & Data Breach by Third Party
Smart Home Cover
Liability for Intentional Misbehavior of Underage Persons

Non-disclosure of facts or circumstances known by you prior to the inception of the policy.
Any action, omission or misbehavior by you which is intentional, malicious, dishonest, deliberate, or reckless
Any action or omission in your capacity as employee or self-employed person, as well as any professional or business activity
Loss of or damage to tangible property and any consequential losses resulting therefrom, including the loss of use of tangible proper
Investment or trading activities are not covered

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Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details

Plan Name

Shopaholic Plan

Sum Insured

100000

Top Features

Online Sales Pays for financial loss when you are the victim of a fraudulent transaction while selling goods online.
Online Shopping Pays for financial loss when you are fraudulently induced into a payment through a credit or debit card or a mobile wallet, while shopping online and do not receive the product
Social Media and Media Liability Pays the amount for which you are legally liable, including legal costs when you unintentionally breach copyrights or privacy of a third party.
Theft of funds - Unauthorized Digital Transactions Pays for financial loss including legal costs, when your money is stolen online through unauthorized access to your bank accounts, credit/debit cards or mobile wallets etc.

Coverage For Investment Activities Investment or trading losses including limitation or inability to sell, transfer or otherwise dispose of securities, is not covered
Protection From Legal Suits From A Family Member Any claim arising to defend against legal suits from your family members, any person residing with you is not covered
Cost of Upgrading Devices Any costs of betterment of your personal device beyond the state existing prior to the Insured Event, unless unavoidable, is not covered.
Losses Incurred In Crypto-Currency Any loss / misplacement / destruction / modification / unavailability /inaccessibility of and / or delay in trading with cryptocurrencies, consisting of coins, tokens or public /private keys being used in conjunction with aforementioned, is not covered.
Use Of Restricted Websites Any loss sustained by you by accessing any restricted or websites banned by the relevant authority over internet, is not covered
Gambling Gambling online and or otherwise, is not covered

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Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details

Plan Name

Student Plan

Sum Insured

100000

Top Features

Theft of funds - Unauthorized Digital Transaction Covers financial losses incurred in your bank account, credit/debit cards, digital wallets arising from online frauds (unauthorized access/phishing/spoofing).
Cyber Bullying, Cyber Stalking and Loss of Reputation Pays legal costs, cost of restoring your online reputation, necessary relocation or psychological assistance when you are a victim of bullying or stalking on the internet, which results in a loss of reputation.
Social Media and Media Liability Pays any amount for which you are legally liable, including legal costs when you unintentionally breach copyrights or privacy of a third party.
Network Security Liability Pays any amount for which you are legally liable, including legal costs when a malware attack from your personal device causes damage on third party computer systems.

Coverage For Investment Activities Investment or trading losses including limitation or inability to sell, transfer or otherwise dispose of securities, is not covered
Protection From Legal Suits From A Family Member Any claim arising to defend against legal suits from your family members, any person residing with you is not covered
Cost of Upgrading Devices Any costs of betterment of your personal device beyond the state existing prior to the Insured Event, unless unavoidable, is not covered
Losses Incurred In Crypto-Currency Any loss / misplacement / destruction / modification / unavailability /inaccessibility of and / or delay in trading with cryptocurrencies, consisting of coins, tokens or public /private keys being used in conjunction with aforementioned, is not covered
Use Of Restricted Websites Any loss sustained by you by accessing any restricted or websites banned by the relevant authority over internet, is not covered
Gambling Gambling online and or otherwise, is not covered

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Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details

Plan Name

Cyber Sachet Insurance

Sum Insured

100000

Top Features

Theft of funds Pays for financial loss including legal costs, when your money is stolen online/offline through unauthorized access to your bank accounts, credit/debit cards or mobile wallets, wrongful withdrawal from your ATM, use of forged signature etc.
Identity Theft Pays for financial loss, credit or identity monitoring services, legal costs or psychological assistance when your Personal Information is stolen over the internet by a Third Party and is altered, deleted or wrongfully used to obtain money, goods or services.
Data Restoration / Malware Decontamination Pays costs incurred on the involvement of an IT expert when malware attack occurs through a computer program received via file transfer, downloaded programs or any digital means by your computer system damages or infiltrates it without your consent.
Replacement of Hardware Pays for replacement of your device when malicious software attacks and damages the hardware of your computer or any other digital device
Cyber Bullying, Cyber Stalking and Loss of Reputation "Pays legal costs, cost of restoring your online reputation, necessary relocation or psychological assistance when you are a victim of bullying or stalking on the internet, which results in a loss of reputation."
Cyber Extortion Pays legal costs and costs to resolve Cyber Extortion which occurs when a Third Party threatens you over the internet with the intent to extract goods, money or services
Online Shopping Pays for financial loss when you are fraudulently induced into a payment through a credit or debit card or a mobile wallet, while shopping online.
Online Sales Pays for financial loss when you are the victim of a fraudulent transaction while selling goods online.
Social Media and Media Liability Pays any amount for which you are legally liable, including legal costs when you unintentionally breach copyrights or privacy of a third party.
Network Security Liability Pays any amount for which you are legally liable, including legal costs when a malware attack from your personal device causes damage on third party computer systems.
Privacy Breach and Data Breach Liability Pays any amount for which you are legally liable, including legal costs when you breach confidential information or personal data of a third party.
Privacy Breach and Data Breach by Third Party "Pays legal cost incurred for claims for damages when your personal data gets unauthorized disclosure by a third party or the third party uses your personal data in their computer system."
Smart Home Cover Pays costs incurred on the involvement of an IT expert when a malware attack damages your devices and systems in a smart home set-up
Liability arising due to Underage Dependent Children "Pays any amount for which you are legally liable, including legal costs when an underage person who is a family member causes theft of data or total or partial disruption to personal devices of third party"

Coverage To Work Place Loss due to any action or ommission in your capacity as an employee or self employed person as well as professional or business activity will not be covered
Coverage For Investment Activities Investment or trading losses including limitation or inability to sell, transfer or otherwise dispose of securities, is not covered
Protection From Legal Suits From A Family Member Any claim arising to defend against legal suits from your family members, any person residing with you is not covered
Cost Of Upgrading Devices Any costs of betterment of your personal device beyond the state existing prior to the Insured Event, unless unavoidable, is not covered
Losses Incurred In Crypto-Currency Any loss / misplacement / destruction / modification / unavailability /inaccessibility of and / or delay in trading with cryptocurrencies, consisting of coins, tokens or public /private keys being used in conjunction with aforementioned, is not covered
Use Of Restricted Websites Any loss sustained by you by accessing any restricted or websites banned by the relevant authority over internet, is not covered
Gambling Gambling online and or otherwise, is not covered

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Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details

Plan Name

Individual Cyber Safe Insurance

Sum Insured

100000

Top Features

IT Theft Loss Pays for financial loss including legal costs, when your funds are wrongfully or erroneously paid by you as a direct result of a third party's unauthorized targeted cyber intrusion into your computer system.
Identity Theft Pays for legal costs when your Personal Information is stolen over the internet by a Third Party and is altered, deleted or wrongfully used to obtain money, goods or services. Also pays for the defence costs in case of any third party claim related to such theft
Malware Attack Pays for the legal costs and the costs incurred on the restoration of your computer system, when a malware attack occurs through a computer program received via file transfer, SMS, downloaded programs or any digital means by your computer system damages or infiltrates it without your consent.
Phising Pays for financial loss including legal costs sustained by you by being an innocent victim of an act of phishing by a third party
Email Spoofing Pays for financial loss including legal costs sustained by you by being an innocent victim of an act of email spoofing by a third party
Cyber Stalking Covers the costs incurred by you for prosecution of a criminal case against a third party for cyber stalking
Cyber Extortion Pays legal costs and costs to resolve Cyber Extortion which occurs when a Third Party threatens you over the internet with the intent to extract goods, money or services
Media Liability Pays the defence costs arising out of a claim made by a third party against you for wrongful media act. It also covers the prosecution costs against a third party for wrongful media act
Social Media Cover Pays for the legal cists incurred due to any claim by a third party for liability arising out of Identity theft of the Insured Person from a legitimate Social Media Account
Privacy Breach and Data Breach by Third Party Pays legal cost incurred for claims against damages incurred due to any unauthorized disclosure of your personal data by a third party or any unauthorized access or use of your personal data stored in a third party's computer system.
Counselling Services Covers the expenses of an accredited psychiatrist, psychologist or counsellor chosen by you, to take treatment for stress, anxiety or similar medical conditions resulting from being subject to any of the covered cybercrimes.
IT Consultant Services Cover the cost of IT consultant services required to help you prove the amount and extent of a covered loss in case you are the victim of a cybercrime

Dishonest or Improper Conduct "Loss due to 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 & are 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;"
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.
Licensing Fees Any actual or alleged licensing fee or royalty payment including, but not limited to, any obligation to pay such fees or royalty payments

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Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details

Plan Name

Retail Cyber Liability Insurance

Sum Insured

100000

Top Features

Unauthorized Transactions Covers financial loss resulting from the fraudulent use of bank account/credit card & mobile wallets by a third party for transfers, purchases, or withdrawals made over the internet
Identity Theft Pays for the expenses incurred due to theft & misuse of personal information over the internet.
Malware Intrusion Covers expenses incurred in restoring digital data deleted or corrupted due to a computer virus/trojan.
Cyber Bullying Covers expenses incurred in consulting with a psychologist, related recuperation & temporary relocation against harrassement & defamation of character over the internet
Cyber Extortion Covers financial loss incurred in preventing or the ending cyber extortion or security threat along with IT security consultant fees.
Reputational Injury Covers expenses incurred in restoring digital reputation by removing harmful publication from the internet & consultation with a psychologist in case required
Legal Expenses Covers reasonable fees/expenses that you may incur for an initial consultation with a lawyer, pursuing or defending a legal action against or by a third party. Also covers costs involved in removing any false criminal or civil charges made against you.
Data Restoration Costs Covers costs and expenses for any data restoration required due to cyber extortion threat, corruption or destruction due to the introduction of malware into your computer system.
Forensic Expenses Covers the costs incurred for hiring a digital forensic expert to aid in prosecution following a cyber event.
Consequential Losses Covers any penalty that you may have to pay to a bank or any financial organisation for not maintaining the minimum required balance in your bank account or missing an EMI payment on a loan due to any cyber threat covered in the policy.

Dishonest or Improper Conduct Participation, direction or knowledge of any dishonest, criminal or malicious activity.
Bodily Injury Physical injury, disease, disability, sickness or death.
Property Damage Any damage or destruction to any tangible property and losses associated with the same.
Business Activities or Political Affiliations Your business activities (including but not limited to e-trading and blogging where you receive remuneration or benefits in any form), Occupation or political affiliations
Trade Secrets and Intellectual Property Actual or alleged plagiarism or breach of any trade secrets, registered patents, trademarks, trade names, copyrights, licenses, or any other intellectual property.
Losses in Cryptocurrency Theft, loss in value, disappearance, inaccessibility of any crypto currency.

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Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details

SBI Cyber Vault Edge

INR 10,000 - 1 Crore

Top Features

₹ 1000

Shopaholic Plan

100000

Top Features

₹ 1295.64

Student Plan

100000

Top Features

₹ 736.32

Cyber Sachet Insurance

100000

Top Features

₹ 3607.26

Individual Cyber Safe Insurance

100000

Top Features

₹ 781.16

Retail Cyber Liability Insurance

100000

Top Features

₹ 3003.1

Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details

Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details

Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details

Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details

Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details

Explanations mentioned in "Coverage/Exclusions " are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details