Find out how this plan works for you

Find out how this policy works for You

In this generation, we all relate to Digital World of Mobile, Banking Social Media and Online Transactions, due to this there is a significant amount of individual data is generated, transmitted and stored. Nature of this critical data and the complexity of the systems that support its transmission and use, with the possibility of anonymous access, which may result into loss to which each person is exposed due to Cyber Attack.

Considering the exposure to individual risks, Future Generali “Personal Cyber Risks Policy” Policy provides a bundle insurance covers that could arise from Cyber Risks only in line with Cyber Attacks.

Policy can be offered to:

The policy can be sold to an Individual or family members (family of 2adults or family of 2 adults +2 child (>18yrs to 25yrs age).

Individual
Adults
Family (Self +Spouse + 2 Children)
(Maximum 2 Adults –Self + Spouse and 2 Children’s)

Eligibility

Any Individual Person	Above 21 years.

Renewal

Renewal will be done automatically if no claim reported

Acceptance

This been pre-approved and filled rates, shall not further require any approval.

What’s Covered

Privacy Breach and Data Breach by Third Party
The Insurer shall indemnify the Insured during the Period of Insurance, if applicable all Costs including legal fees incurred by the Insured for a Claim for Damages lodged by the Insured against a Third party for Privacy Breach and or Data Breach provided the Third Party has communicated in writing to the Insured or has acknowledged publicly by electronic or print media the occurrence of a Privacy Breach or a Data Breach of the Insured.

Personal Social Media Cover

The Insurer shall indemnify the Insured during the Period of Insurance if applicable all Defense Costs incurred as a result of any Claim by an Affected Person or an entity for Legal liability that directly results from the Identity Theft of the Insured from a legitimate Social Media account of the Insured by Cyber Attack.
The Insurer shall indemnify the Insured during the Period of Insurance if applicable Costs incurred for prosecution of a criminal case under IT Act and or any other applicable law prevalent in India including the relevant provisions of Indian Penal code against a Third Party for Identity Theft of the Insured from a legitimate Social Media account by Cyber Attack.
Reasonable expenses incurred on transportation for attending Court summons and photo copying of documents arising out of (a).

Personal Cyber Stalking Cover

The Insurer shall indemnify the Insured during the Period of Insurance if applicable Costs incurred by the Insured for prosecution of a criminal case against Third Party under the IT Act, and or any other applicable law prevalent in India including the relevant provisions of Indian Penal code for Cyber Stalking the Insured.

Personal IT Theft Loss Cover

The Insurer shall indemnify the Insured, during the Period of Insurance or the if applicable, for IT Theft Loss as a direct result of an IT Theft
The Insurer shall indemnify the Insured during the Period of Insurance if applicable the Cost including legal fees incurred by the Insured for a Claim for Damages lodged by the Insured against a financial institution and or Payment System Operators authorized by the Reserve Bank of India under the Payment and Settlement Systems Act, 2007 for IT Theft Loss of the Insured provided the financial institution and or Payment System Operators has acknowledged in writing to the Insured the receipt of information of an IT Theft Loss.
The Insurer shall indemnify the Insured during the Period of Insurance if applicable Costs incurred for prosecution of a criminal case, Under The IT Act, and or any other applicable law prevalent in India including the relevant provisions of Indian Penal code against a Third party for causing IT Theft Loss to the Insured.

Personal Malware Cover

The Insurer shall indemnify the Insured during the Period of Insurance if applicable for the Restoration Cost incurred due to damage caused by Malware received through SMS, File transfer, downloaded programs from Internet or any other digital means by the Insured’s Computer System which has resulted in information stored in the Insured’s Computer System being damaged or altered or disrupted or misused.
The Insurer shall indemnify the Insured during the period of Insurance if applicable Defense Costs incurred as a result of any Claim by an Affected Person or an Entity for Legal liability that directly results from the Damage caused by entry of Malware into the Insured’s Computer System.
Reasonable expenses incurred on transportation for attending Court summons and photo copying of documents arising out of (b).

Personal Email Phishing Cover

The Insurer shall indemnify the Insured during the period of Insurance, if applicable the Direct and Pure Financial Loss sustained by the Insured by being an innocent victim of an act of Phishing by a third party.
The Insurer shall indemnify the Insured during the Period of Insurance, if applicable, the Costs incurred for prosecution of a criminal case filed against a Third Party Under The IT Act, and or any other applicable law prevalent in India including the relevant provisions of Indian Penal code for the Direct and Pure Financial Loss caused to the Insured by Email Phishing.

Personal E Mail Spoofing Cover

The Insurer shall indemnify the Insured during the period of Insurance, if applicable the Direct and Pure Financial Loss sustained by the Insured by being an innocent victim of an act of E-mail Spoofing by a third party.
The Insurer shall indemnify the Insured during the Period of Insurance, if applicable, the Costs incurred for prosecution of a criminal case filed against a Third Party Under IT Act, and or any other applicable law prevalent in India including the relevant provisions of Indian Penal code for the Direct and Pure Financial Loss caused to the Insured by E-mail Spoofing.

Personal Media Liability Cover

The Insurer shall indemnify the Insured for Defense Costs incurred by the Insured, arising from a Claim first made against the Insured during the Period of Insurance, if applicable, for a Media Wrongful Act.
The Insurer shall indemnify the Insured during the Period of Insurance, if applicable, the Costs incurred for prosecution of a criminal case filed against a Third Party under the IT Act, and or any other applicable law prevalent in India including the relevant provisions of Indian Penal code for the Media Wrongful Act.
Reasonable expenses incurred on transportation for attending Court summons and photo copying of documents arising out of (a).

Personal Cyber Extortion Cover

The Insurer shall indemnify the Insured, the Cyber Extortion Loss that the Insured incurs solely and directly as a result of a Cyber Extortion Threat first occurred during the Period of Insurance.
As a condition for payment under this cover the Insured shall:

i) keep the terms and conditions of this Cyber Extortion Cover confidential, unless disclosure to law enforcement authorities is required; and

ii) take all reasonable steps to notify and cooperate with the appropriate law enforcement authorities; and

iii) take all reasonable steps (including the involvement of a security consultant with the Insurer’s prior written consent), to effectively mitigate the Cyber Extortion Loss.

The Insurer shall indemnify the Insured, Costs incurred by the Insured during the Period of Insurance, for prosecution of a criminal case filed by or on behalf of the Insured, against a Third Party under the IT Act, and or any other applicable law prevalent in India including the relevant provisions of Indian Penal code for Cyber Extortion.

Personal Identity Theft Cover.

The Insurer shall indemnify the Insured during the Period of Insurance if applicable all Defense Costs incurred as a result of any Claim by an Affected Person or an entity for Legal liability that directly results from the Identity Theft of the Insured other than from a legitimate Social Media account of the Insured by Cyber Attack.
The Insurer shall indemnify the Insured during the Period of Insurance if applicable Costs incurred for prosecution of a criminal case under The IT Act, and or any other applicable law prevalent in India including the relevant provisions of Indian Penal code against a Third Party for Personal Identity Theft of the Insured other than from legitimate Social Media accounts of the Insured by Cyber Attack.
Reasonable expenses incurred on transportation for attending Court summons and photo copying of documents arising out of (a).

Above all Coverages are subject to sub limits as specified in the Policy Schedule, policy shall cease once the Limits of Liability opted by insured or any of the insured members if they are enrolled under the policy is completely utilized during the policy period. There is no reinstatement provision allowed.

Optional Cover – Personal Payment Card Loss

the Insured for a claim for loss of Personal Payment Card Loss card due:

Loss card Liability – Cover against unauthorised transactions made online including ATM Fraud in case of loss or theft of card.
Counterfeit Card Liability – Cover against fraudulent transactions made by a third party by fraudulently printing, embossing, or encoding the card to make it appear as a genuine card and use it for making transactions.
ATM Robbery – Cover against robbery of money, withdrawn inside ATM Premises.

Sum Insured:

The sum insured options available varies from 1 lakh to 2 crores, as per below table.

Limits of Liability (In rupees)	1,00,000	2,00,000	5,00,000	10,00,000	20,00,000	30,00,000	50,00,000	75,00,000	100,00,000	150,00,000	200,00,000
Policy Coverages	Limits mentioned below are sub-limited to limits of liability under all insuring clauses
Privacy Breach & Data Breach by 3rd party cover (In rupees)	25,000	50,000	1,25,000	2,50,000	5,00,000	7,50,000	12,50,000	18,75,000	2,50,000	3,75,000	5,00,000
Personal Social Media cover (In rupees)	10,000	20,000	50,000	1,00,000	2,00,000	3,00,000	5,00,000	7,50,000	1,00,000	1,50,000	2,00,000
Personal Cyber Stalking Cover (In rupees)	25,000	50,000	1,25,000	2,50,000	5,00,000	7,50,000	12,50,000	18,75,000	2,50,000	3,75,000	5,00,000
Personal IT Theft loss Cover (In rupees)	35,000	70,000	1,75,000	3,50,000	7,00,000	10,50,000	17,50,000	26,25,000	3,50,000	5,25,000	7,00,000
Personal Malware Cover (In rupees)	1,500	3,000	7,500	15,000	30,000	45,000	75,000	1,12,500	15,000	22,500	30,000
Personal Phishing Cover (In rupees)	10,000	20,000	50,000	1,00,000	2,00,000	3,00,000	5,00,000	7,50,000	1,00,000	1,50,000	2,00,000
Personal Email Spoofing Cover (In rupees)	20,000	40,000	1,00,000	2,00,000	4,00,000	6,00,000	10,00,000	15,00,000	2,00,000	3,00,000	4,00,000
Media Liability Claims Cover (In rupees)	10,000	20,000	50,000	1,00,000	2,00,000	3,00,000	5,00,000	7,50,000	1,00,000	1,50,000	2,00,000
Cyber Extortion Cover (In rupees)	25,000	50,000	1,25,000	2,50,000	5,00,000	7,50,000	12,50,000	18,75,000	2,50,000	3,75,000	5,00,000
Personal Identity Theft Cover (In rupees)	15,000	30,000	75,000	1,50,000	3,00,000	4,50,000	7,50,000	11,25,000	1,50,000	2,25,000	3,00,000
Personal Payment Card Loss –Optional Cover (In rupees)	15,000	30,000	75,000	1,50,000	3,00,000	4,50,000	7,50,000	11,25,000	1,50,000	2,25,000	3,00,000
Deductible-Each & Every Loss (In rupees)	100	100	100	250	250	250	500	500	500	500	500

Note:	Insured can claim under all coverage’s clause, subject to maximum limits of liability opted.
Deductible	Amount mentioned under deductible will not apply under Personal Malware Cover

Policy Term: 1 Year

Exclusions of this plan

No coverage will be available under this Policy with respect to any Loss arising out of, based upon or attributable to:

Dishonest or Improper Conduct - Any

i) Deliberate, criminal, fraudulent, dishonest or malicious act or omission; or

ii) Intentional or knowing violation of any duty, obligation, contract, law or regulation; by the Insured

iii) Any losses that are caused intentionally & against the law

Provided, however, the Insurer shall advance Defence Costs until there is

i) Final decision of a court, arbitration panel or Regulator, or

ii) A written admission which establishes such behaviour. Following such finding the Insurer shall be entitled to repayment of any amount paid to or on behalf of the Insured under this Policy.
Bodily Injury

Any actual or alleged bodily injury, sickness, mental anguish or emotional distress or disturbance, disease or death of any person howsoever caused, except as provided in the costs related to Counselling Services,
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 except to the extent that such liability would have attached to an Insured in the absence of such contract, agreement, guarantee or warranty;
Prior Acts Exclusion

Any claim/loss arising out of or based upon or attributable to all insuring clauses, in which all or any part of such were committed, attempted, or allegedly committed or attempted, prior to the policy inception date mentioned in the schedule
Trade Secrets and Business related Intellectual Property

Any actual or alleged plagiarism or infringement of any Trade Secrets, patents, trademarks, trade names, copyrights, licenses or any other form of business related intellectual property.
War, Terrorism including Cyber Terrorism

War, Terrorism, looting and Governmental Acts.
Trading

Any losses or liabilities connected with any types of purchase or sale transactions or other dealing in securities, commodities, derivatives, foreign or Federal Funds, currencies, foreign exchange, cryptocurrencies and the like.

Celebrities Liability

Coverage doesn’t apply to any person/entity involved in any kind of Media/Political and Social Public Domain activities, this exclusion only applies under Personal Social Media & Media Liability Clauses.
Pollution

Any kind of Pollution.
Natural Perils

Any: electromagnetic fields or radiations; including AOG (Act of God) Perils
Unsolicited Communication

Unsolicited Communication - Any distribution of unsolicited correspondence or communications (whether in physical or electronic form), wiretapping, audio or video recordings or telephone marketing.
Unauthorised Collection of Data

Any unlawful or unauthorized collection of personal Data or Client Information.
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.
Outage/Disturbance Loss

Losses due to the outage/disturbance of external networks (e.g. power, internet, cable & telecommunications)
Commercial, Political, Union or Religious Activities

Any kind of losses in connection to commercial, political or union activities, the exercise of a religious function/office and/or the membership in any club/association that is salaried and/or not for leisure.
Immoral/Obscene Services

Any losses in connection with racist, extremist, pornographic or other immoral/obscene services, statements or representations provided made or committed by the insured.
Infrastructure/Mechanical Failure

arising out of, based upon or attributable to, equipment mechanical failure, telecommunication or satellite failure.

How can you buy this Policy

Buy your Personal Cyber Risks Policy

We at Future Generali are committed to serve you and provide you convenient options to

Visit any of our nearest Branch office
Call us on our helpline numbers
1800-220-233
1860-500-3333
022-67837800
Email us at fgcare@futuregenerali.in
SMS “PRODUCT” to 9222211100 and we will arrange a call back.

What happens next after you have purchased

When you become a Future Generali Customer, you will receive a membership pack containing the following:

Policy Schedule
Premium Receipt
Policy coverage and Terms & Conditions.

Making a Claim

Upon loss discovered, the Insured shall give written notice thereof to the Insurer within 7 days, but in any event not later than 14 days after the end of the Period of Insurance;

Upon receipt of any Claim, the Insured shall give written notice thereof to the Insurer within 7 days but in any event not later than 14 days after the end of the Period of Insurance, if applicable; and If, during the Period of Insurance, the Insured becomes aware of any fact, event or circumstance which is likely to give rise to a Claim then the Insured shall give written notice thereof to the Insurer as soon as reasonably practicable and, in any event, during the Period of Insurance.

If the Insured reports a Claim or facts that might give rise to a Claim to the Insurer, then the Insured must give the Insurer such information and co-operation as it may reasonably require including but not limited to:

Submission of fully completed and signed Claim form
Copy of FIR lodged with Police Authorities / cyber cell
Copies of legal notice received from any Affected Person/entity
Copies of summons received from any court in respect of a suit filed by an Affected party/entity
Copies of correspondence with financial institutions with regard to IT Theft Loss
legal notice served on any Financial Institution and or case filed against Financial Institution for IT Theft Loss
Copies of legal notice served on any Third Party for any Data breach or privacy breach
Copies of criminal case filed against third party under the insuring clauses, other than insuring clause - 10
Copies of invoices for expenses incurred on restoration Cost
Copies of invoices for expenses incurred under IT Consultant Services Cover
Details/invoices of Costs incurred for filing of criminal case /Claim for Damages against third party
Proof to show that the Personal Data is the propriety information belonging to the Insured.
Proof to show that Loss is incurred by the Insured & Financial Institutions.
copies of proof on account of Payment cards – earlier statements .

All notifications and all communications under this Policy must be in writing to the address set forth in the Schedule.

Claim Form
You can intimate your claim online or submit the form to your branch office or alternatively email us.
Complaint / Feedback Form Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
Grievance Redressal
Procedure along with list of ombudsman addresses. In case you are not satisfied with the resolution to the complaint as provided by us, you may approach the Insurance Ombudsman for review.

You can expect to receive this pack within 12-15 working days of purchasing our insurance.

In case, you have purchased Services for Fraud and Digital Protection- Cyberior Online Platform offered by Europe Assistance

You will receive email from them on the activation of services

You will have personalized dashboard, which will give you information as under:

Wrongful activities on your email ID
Your credit Score
Protection of your Identity Theft (Government ID’s, Passports etc)
Handset Protection services.
Credit Cards Alerts .
Online Resolution Services Post loss.

Contact our Helpline

In case you wish to speak to our experts about your policy,you can call us on:

1800-220-233

1860-500-3333

022-67837800

You ask. We answer.

Why Should I choose Personal Cyber Risks Policy, Future Generali India Insurance Company Limited?

How do I decide on an appropriate cover amount?

Can I buy policy for my family?

What is Floater Sum insured basis?

Can I buy policy for each family member on the individual basis?

Is there any limitation under policy coverage after claim?

Is Personal Payment Card Loss card cover optional?

Is there is any services offered along with this product?

Can I avail Services for Fraud and Digital Protection - Cyberior along with this policy?

Can I appoint IT Consultant at the time of Loss?

Do I have to give all my details?

What is IMEI Number and how do I get same?

How do I claim under the Policy for any coverage related issues?

Where do I contact in case of a claim?

What are the steps for submitting a claim?

You can submit your claim documents at our nearest branch office or you may even send documents at the following address

Claims Department
Toll Free Number: 1800 220 233/1860 500 3333
Email: fgcare@futuregenerali.in

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Personal Cyber Risks Policy

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