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Bajaj Allianz Cyber Insurance Policy

Bajaj Allianz General Insurance Company Limited offers general insurance policies. It is a joint venture between Bajaj Finserv Limited and Allianz SE. Bajaj Allianz General Insurance Company Limited offers Cyber Insurance Policy that provides coverage to the policyholder against cyber threats such as identity fraud, phishing, etc.

₹5 Lakh cover starting at ₹2 /day⁺

Safeguard your digital life from

Identity theft

Theft of funds

online financial scams

UPI & ATM Frauds

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Cyber Insurance
Bajaj Allianz Cyber Insurance Policy

Insuring Clauses under Bajaj Allianz Cyber Insurance Policy

Insuring clauses refer to the risks assumed by the insurer. They are as follows:

Social Media Cover
Identity Theft
Cyber Stalking Cover
Malware Cover
IT Theft Cover
Phishing Cover
Media Liability Cover
E-mail Spoofing Cover
Cyber Extortion Cover
Data and Privacy Breach by 3rd Party Cover

Bajaj Allianz Cyber Insurance Policy: Inclusions

The cyber insurance offered by Bajaj Allianz General Insurance Company provides coverage for the following perils:

Cost of Prosecuting Criminal Case

Defence Cost
Direct & Pure Financial Loss
Transportation expenses
Photocopying of documents arising out of defence
Online loss of funds
Online payment loss of wallet
IT Consultant cost
The cost incurred in a claim for damages against 3rd party
Legal fees incurred from a claim for damages against Financial Institution/Payment system operators

Bajaj Allianz Cyber Insurance Policy: Exclusions

The cyber insurance policy offered by Bajaj Allianz General Insurance Company does not provide coverage for the following perils:

Bodily Injury
Property Damage
Dishonest & Improper conduct
Unauthorised collection of data
Unsolicited communication
Immortal/Obscene services

Bajaj Allianz Cyber Insurance Policy: Claim Process

To raise a claim under Cyber Safe Insurance Policy, follow the below-mentioned steps:

Inform the insurance provider
Submit duly filled, signed and stamped claim form
The insurance provider will assign an investigator for incident analysis as well as to check the severity of the cyber attack
The turn-around time for the inspection process is around 4-5 hours
In case the cyber attack is severe then a cyber expert is hired to analyse the incident. It cannot be done by the in-house cyber expert to avoid biasedness and keep transparency.
All the concerned parties discuss the resolution of the incident including the policyholder.
Then the insurer asks the insured about the estimated cost of the loss sustained
Then all the details are re-reported to the claiming team of the insurance company.
Then the claiming team reviews it and after the final approval, the settlement is done.

FAQs

Q1. How old is Bajaj Allianz General Insurance Company?

Ans: Bajaj Allianz General Insurance company is more than 21 years old company.
Q2. Is Bajaj Allianz General Insurance company safe and reliable company?

Ans: Yes, the company is safe as well as reliable as the company has a customer base of more than 11 Crore. The company has around 9000 employees and an insurance agent network of more than 80,000.
Q3. What is the claim settlement ratio of Bajaj Allianz General Insurance company?

Ans: According to the annual report of IRDAI on the claim settlement ratio, Bajaj Allianz has the best claim settlement ratio of 98% in the year 2022.
Q4. Does Policybazaar assist in filing a claim under Bajaj Allianz Cyber Insurance claim?

Ans: Yes, Policybazaar has a dedicated team to assist you in filing the claim under Bajaj Allianz Cyber Insurance Policy.

Cyber Insurance Claim Process: What to Expect?
What is Cybersecurity Insurance and Why is it Important?

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The Cost of Cyber Attack: Why Cyber Insurance is Essential in India?
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⁺Disclaimer: The starting premium is ₹2 per day for a ₹5 lakh Sum Insured under an individual plan. The actual premium may vary based on the chosen plan type and selected add-ons. Standard terms and conditions apply. Please refer to the sales brochure for detailed information on risk factors, terms, and conditions before making a purchase.
⁺⁺Disclaimer: The premium of Rs 112100/year is the starting price for sum insured of Rs 1 Crore that may vary depending on the business activity and services rendered, company turnover, and its geographical split, industries/customers to whom the product/service is being provided, website and domain network features, business continuity plan, and data protection measures. STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
By clicking on "View Plans" you agree to our Privacy Policy and Terms Of Use and also provide us a formal mandate to represent you to the insurer and communicate to you the grant of a cover.
The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.

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"Policybazaar for Business" is a brand under Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurugram, Haryana - 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker

Policybazaar Insurance Brokers Private Limited CIN: U74999HR2014PTC053454 Registered Office - Plot No.119, Sector - 44, Gurugram - 122001, Haryana Tel no. : 0124-4218302 Email ID: care@policybazaar.com

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