What does Digit My Online Space Policy cover?

The policy covers unauthorized online and physical transactions, social engineering fraud, cyber identity theft, cyber extortion, cyberbullying, malware attacks, privacy breaches, online shopping fraud, legal protection, and other selected cyber risks.

Does Digit My Online Space Policy cover identity theft?

Yes. It covers legal defence costs and expenses incurred to restore your identity, rectify records, and recover from cyber identity theft.

Does the policy cover cyberbullying and online reputation damage?

Yes. Depending on the covers selected, the policy provides protection against cyberbullying, cyber reputation damage, and related expenses.

What documents are required to file a claim?

You may need to submit a completed claim form, FIR (where applicable), proof of financial loss, bank or card issuer communication, supporting evidence of the cyber incident, and any additional documents requested by Digit during claim assessment.

Digit Personal Cyber Insurance

Q: Does the policy cover phishing and online banking fraud?

Yes. The policy covers financial losses resulting from phishing, email spoofing, vishing, smishing, skimming, pharming, and other covered social engineering frauds, subject to the policy terms and conditions.

Digit My Online Space Policy is a personal cyber insurance policy designed to protect individuals and their families against financial losses arising from cyber fraud, online banking and card fraud, identity theft, cyber extortion, cyberbullying, data breaches, malware attacks, online shopping fraud, and legal liabilities. The policy also provides coverage for defence costs, reputation management, and other cyber-related expenses, depending on the covers selected in the policy schedule.

₹5 Lakh cover starting at ₹2 /day⁺⁺

Safeguard your digital life from

identity theft & fraud

online financial scams

cyberbullying & harassment

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Features of Digit My Online Space Policy

The key features of Digit My Online Space Policy include:

Protection against unauthorized online and physical financial transactions.

Covers phishing, vishing, smishing, skimming, pharming, and other social engineering frauds.

Covers cyber identity theft, cyber extortion, cyberbullying, and reputation damage.

Protection against malware attacks, privacy breaches, data breaches, and cyber media liability.

Covers legal defence costs, online shopping fraud, and optional EMI protection.

Includes additional benefits such as miscellaneous expenses and loss of wages under select covers.

Digit My Online Space Policy: Inclusions

The Digit Retail Cyber policy offers protection against a wide range of cyber risks, including:

Unauthorized Online Transactions: Covers financial losses arising from unauthorized access to bank accounts, credit/debit cards, and e-wallets due to cyber incidents. It also includes protection against NFC fraud, SIM swap attacks, unauthorized changes to registered mobile numbers, miscellaneous expenses, and loss of wages under applicable conditions.

Unauthorized Physical Transactions: Covers financial losses due to unauthorized ATM withdrawals and fraudulent card transactions carried out using stolen or compromised payment instruments.

Social Engineering Financial Fraud: Covers financial losses resulting from phishing, vishing, smishing, skimming, email spoofing, and pharming attacks that trick policyholders into making fraudulent payments or sharing sensitive information.

Cyber Identity Theft: Covers legal defence costs and expenses incurred to restore identity records, including notarisation expenses, credit restoration, and resubmission of loan applications affected due to identity theft.

Additional Cyber Covers: Depending on the sections opted for, the policy also covers cyber extortion, cyber reputation damage, malware protection, cyberbullying, privacy and data breaches, cyber media liability, legal protection, online shopping fraud, and optional EMI protection.

Disclaimer: This is not a complete list of inclusions. Please refer to the policy wording for complete coverage details.

Digit My Online Space Policy: Exclusions

The policy does not cover:

Losses reimbursed by banks, financial institutions, e-wallet providers, or any other entity.

Cash withdrawals using physically lost or stolen cards under online transaction cover.

Loss of reward points, cashback, vouchers, or similar promotional benefits.

Illegal transactions, bribery, commissions, and fraudulent lottery or prize schemes.

Losses excluded under the general exclusions and specific exclusions applicable to each policy section.

Disclaimer: Please refer to the policy wording for the complete list of exclusions.

Digit My Online Space Policy: Claim Process

To raise a claim under the policy:

Inform Digit immediately after discovering the cyber incident.

Notify the concerned bank, financial institution, card issuer, or e-wallet provider within the timelines specified in the policy.

Lodge an FIR wherever required under the applicable policy section.

Submit the completed claim form along with supporting documents and evidence of financial loss or cyber incident.

Cooperate with the insurer during claim assessment and provide any additional documents requested for claim settlement.

Digit Personal Cyber Insurance

Features of Digit My Online Space Policy

Digit My Online Space Policy: Inclusions

Digit My Online Space Policy: Exclusions

Digit My Online Space Policy: Claim Process

What does Digit My Online Space Policy cover?

Does the policy cover phishing and online banking fraud?

Does Digit My Online Space Policy cover identity theft?

Does the policy cover cyberbullying and online reputation damage?

What documents are required to file a claim?

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