E@Secure - Cyber crime insurance policy in
What if we told you that every second you spend
online means a greater chance of exposing your valuable information to
malicious activities and threats? After all, India is the second most
impacted country by spam and third most by network attacks. But,
don’t let cybercrime hold you back. Make the most of the internet;
get insured and browse without a care!
Don’t let cyber crimes wreak havoc on your
family’s mental and emotional health. Let your family browse
worry-free by securing yourself, your spouse, and two dependent children
(regardless of age) from the clutches of cybercriminals.
All Device Covered
Today, all of us are
plugged-in and synced across multiple devices. But you need not worry
about insuring all them separately. HDFC ERGO’s E@Secure provides
cover for all devices under a single insurance plan.
Worried about threats to credit/debit cards,
bank account or e-wallets? Well, here’s why you needn’t be.
HDFC ERGO’s E@Secure covers losses that you might incur due to
fraudulent online transactions and legal expenses.
Protect yourself and your family from the
dark side of the web with a plan that helps you get the right legal
advice and more.
What is covered
What is covered
Online Transactions-According to the Asia Pacific Fraud
Insights Report 2017, Indians are the most susceptible to online scams,
with 48% consumers being hit by retail fraud.Protect your hard-earned
money with a plan that provides you with a 100% cover against fraudulent
transactions on your bank account, credit/debit card or e-wallet.
- Phishing & Email Spoofing-Don’t let
important data fall into the wrong hands through phishing and email
spoofing. With E@Secure, get cover of up to 15% and 25% of the limit
- Damage to e-reputation-It takes
only a few seconds for a troll to tarnish your reputation in the digital
world. Invest in E@Secure and stay shielded against such threats with a
plan that offers 25% coverage (of the policy limit) for
- Identity theft-Did you know that
identity theft is the largest contributor to fraud in India? Get 25% of
the policy limit protection by choosing HDFC ERGO’s E@Secure and
safeguard yourself against this threat.
bullying-Bullying of any kind can break a person and with the
advent of internet, cyber bullying has entered our homes. Kids and
teenagers are especially susceptible to it. Protect yourself and your
loved ones against cyber bullying by getting a cover of up to 10% of the
policy limit with HDFC ERGO E@Secure.
- E-extortion-Protect yourself against blackmailers
and ransomware attacks with E@Secure that provides coverage of up to 10%
of the policy limit against e-extortion.
For more details
on the risk factors, term and conditions please read the policy wording
carefully before concluding the sale.
What's not covered
- Frauds: We won’t
be able to compensate for a fraudulent act that is
- Pre existing loss: The
benefits of our partnership only begin once you sign up for the policy.
Not much we can do for you before that.
Loss:There’s nothing more intriguing than solving a
mystery. But losses that cannot be explained or traced, or mysterious
disappearances, aren’t covered under E@Secure.
- Delayed Claims: While we believe in helping you
claim what’s yours, we unfortunately won’t be able to do
much about claims reported after six months of occurrence.
- Terrorism: Losses or incidents due to an act of
terrorism, looting, or due to other acts of the government won’t
- Offline activity: While we promise
to protect you in the digital space, we’re afraid there’s
not much we can do in the offline space under this plan.
For complete list of exclusions, kindly refer Policy Wordings.
For more details on the risk factors, term and conditions please read
the policy wording carefully before concluding the sale.
Add on Covers
with HDFC ERGO E@Secure
cover: Secure your family online as you do in real life with
protection against loss/damage arising from internet usage. Protect
yourself, your spouse, and your two children (without any age limit) and
ensure complete digital security for the entire family. How
does it work? If in case any of your family member suffers any
loss or damage from internet usage (through any of the events specified
in the coverages), you can rely on E@Secure to provide you with the
- Cover for malware: As you lock
your house doors, secure your digital assets too. Get protection against
corruption and destruction of digital assets by malware. This add-on
compensates for replacement expenses to the extent of 10% of the policy
limit. How does it work? If you suffer any loss due to
corruption of your digital assets caused by the introduction of malware
into your system, we’ll pay for the replacement expenses incurred
in restoring your assets (with coverage of up to 10% of the policy
What is Cyber
insurance? Cyber insurance provides cover against loss due
to cyber frauds. With increased internet penetration, every individual
is exposed to such risks that exist in the cyberspace. With Cyber
Insurance, one can protect self and family members against financial
risks due to Unauthorized Online Transactions, Phishing & email
spoofing, Damage to e-reputation, Identity theft, Cyber bullying and
Who can buy this policy?
These days everyone, from teenagers to senior citizens, are active on
the cyberspace. Every such individual is prone to online threats. Hence,
buying a cyber insurance policy can safeguard against online frauds. The
policy can be bought by anyone who is 18 years and above and can be
bought for self, spouse and two dependent children (without any age
My family and I spend a good enough time on
internet. How can your cyber security policy protect us?
E@Secure policy provides cover to individuals and family of individuals
for online frauds and crimes. This can include online purchase related
frauds, email spoofing, phishing, damage to e-reputation, etc.
My kids spend lot of time on internet. I’m worried and
want to know how your policy can protect them? The policy
can be extended to cover dependent children of the insured. The policy
can protect them from damage to their reputation online, from cyber
bullying and harassment and the psychological trauma suffered due to