What does Zurich Kotak Cyber Secure Insurance cover?

It covers digital theft of funds, cyber extortion, reputation loss, data recovery, and media liability arising from cyber incidents.

Does the policy cover phishing and hacking?

Yes. Financial losses resulting from phishing, hacking and unauthorised access are covered under Digital Theft of Funds.

Is data recovery covered?

Yes. The policy pays the cost of IT specialists required to restore lost or corrupted data.

Does the policy cover cyber bullying?

Yes. Expenses arising from cyber bullying, defamation, and cyber extortion are covered under E-Reputation Loss & E-Extortion Threat.

Does the policy cover business-related cyber losses?

No. Losses arising from business or professional activities are excluded.

Zurich Kotak Cyber Secure Insurance

Zurich Kotak Cyber Secure Insurance is designed to protect individuals against financial losses arising from cyber fraud and online threats. The policy offers protection against incidents such as unauthorised online transactions, phishing, hacking, malware attacks, cyberbullying, defamation, and media liability, helping policyholders safeguard their digital presence.

₹5 Lakh cover starting at ₹2 /day⁺⁺

Safeguard your digital life from

identity theft & fraud

online financial scams

cyberbullying & harassment

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IRDAI-certified advisors

Features of Zurich Kotak Cyber Secure Insurance

The key features of Zurich Kotak Cyber Secure Insurance include:

Protection against multiple cyber risks such as phishing, hacking, and malware.

Covers both financial losses and reputation-related cyber incidents.

Includes first-party as well as third-party liability protection.

Covers the cost of IT specialists for data recovery.

Provides protection for online media liability arising from digital activities.

Zurich Kotak Cyber Secure Insurance: Inclusions

The policy provides protection against losses arising from cyber risks and fraud, including:

Digital Theft of Funds: Covers financial losses due to unauthorised access, hacking, phishing, malware, or theft from bank accounts, debit/credit cards and mobile wallets.

E-Reputation Loss & E-Extortion Threat: Covers counselling expenses, legal costs, IT specialist charges, lost wages and extortion-related expenses.

Data Recovery: Pays for IT specialists to restore lost, corrupted, or damaged data caused by malware, viruses, or ransomware.

Media Liability: Covers legal liability towards third parties arising from defamation, breach of privacy and similar online media activities.

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

Zurich Kotak Cyber Secure Insurance: Exclusions

The policy does not cover:

Dishonest or improper conduct by the insured.

Bodily injury or property damage.

Business or professional activities.

Intellectual property or trade secret disputes.

Losses arising from prior known events.

Losses caused by war, terrorism, or cyber terrorism.

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

Zurich Kotak Cyber Secure Insurance: Claim Process

Notify Zurich Kotak immediately after discovering the cyber incident.

Gather all relevant evidence relating to the cyber event.

Submit the completed claim form along with supporting documents.

Cooperate during claim assessment or investigation.

Upon verification, admissible claims are settled as per policy terms.

Frequently Asked Questions

What does Zurich Kotak Cyber Secure Insurance cover?

It covers digital theft of funds, cyber extortion, reputation loss, data recovery, and media liability arising from cyber incidents.
Does the policy cover phishing and hacking?

Yes. Financial losses resulting from phishing, hacking and unauthorised access are covered under Digital Theft of Funds.
Is data recovery covered?

Yes. The policy pays the cost of IT specialists required to restore lost or corrupted data.
Does the policy cover cyber bullying?

Yes. Expenses arising from cyber bullying, defamation, and cyber extortion are covered under E-Reputation Loss & E-Extortion Threat.
Does the policy cover business-related cyber losses?

No. Losses arising from business or professional activities are excluded.

Zurich Kotak Cyber Secure Insurance

Features of Zurich Kotak Cyber Secure Insurance