What is Personal Cyber Risk Policy?
Today, we literally live our lives on the internet. Naturally, you also face many threats to your identity and money online. Generali Central’s Personal Cyber Risk Policy gives you coverage against many online risks - malware, phishing, cyberbullying, and IT theft.
Why buy Personal Cyber Risk Policy
What is in for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!
10% family discount if you cover yourself and one more person in the same plan
10% to 25% discount on premiums if you choose voluntary deductible plan
Floater discount on premiums paid for dependent members
10% discount if you pay all premiums at once
No loading charge for a bad claim experience
Flexible premium payments - monthly, quarterly and half-yearly
15% discount if you buy from our website
What is covered?
INCLUSIONS
Breach of Personal Data or Privacy
Today, the internet has tons of your personal information. This means that your photos, videos, and text could easily fall into the wrong hands. Our policy will provide you protection if you suffer such attacks.
Email Phishing
Email phishing is a new way for fraudsters to cheat you. Such people may try to get sensitive information out of you by appearing friendly. Our policy pays you for the damages caused due to email phishing.
Cyber Extortion
Cyber extortion is scarier than an actual one. Why? Because people can hide behind the wall of anonymity. But don’t get scared. Stay secured with Generali Central’s policy.
Identity theft
Millions of families around the world suffer from the consequences of identity theft. Generali Central takes care of the expenses if you face this crime
Email Spoofing
Sometimes, the emails you receive might not be from that sender, even though the address says so. This new type of email scam is known as email spoofing.
Cyber Stalking
Many people on the internet try to frighten or continuously harass a person. Therefore, it is essential to protect yourself and your family from such individuals.
Malware attack
Malware can perform unwanted actions in your system without you knowing it. Such an attack can be devastating and can cause data loss and privacy.
Media liability
Cyber attacks can sometimes release your personal data for the whole world to see. However, there’s no need to worry.
IT Theft
Thefts and burglaries can cause irreparable damages to your finances. Our policy will pay you for your expenses in such a situation.
What is not covered?
EXCLUSIONS
Property or Bodily Injury
Mechanical failures, breakdowns, illnesses, or bodily injuriesNatural Perils
Natural disasters such as earthquakes, cyclones, etcImproper or dishonest conduct
A fraudulent act that is deliberate or intentionalLoss of obscene, immoral, racist, or extremist data
We do not support storing any racist, indecent, or extremist data. That’s why we don’t provide coverage against the loss of such dataLosses due to a disturbance in external networks
Our insurance policy doesn’t cover loss or damage to any devices caused by external network failure or power outageLoss of trade secrets
We know plagiarism of one’s intellectual property, and trade secrets can be heart-breaking. Unfortunately, it doesn’t fall under our policy’s coverageUnsolicited communication
Data that is stored without your consentWar and terrorism
War and terrorism, including cyberterrorism
Who do we secure and what is the eligibility for Personal Cyber Risk Policy?
We secure
Individual
Adults
Family (Self +Spouse + 2 Children)
(Maximum 2 Adults –Self + Spouse and 2 Children)
Eligibility
Any Individual Person - Above 21 years
Renewal - Renewal will be done automatically if no claim reported
Acceptance
These are pre-approved and filled rates and shall not further require any approval
Steps to Buy Generali Central Personal Cyber Risk Policy
Get a Quote
Select a quote that suits you and fill our proposal form.
Pay and get your policy
Now pay the premium and get your policy in your inbox!
What happens after purchase?
Once you secure the insurance cover, you get a financial assurance for all your cyber needs. You also get documents for your better understanding and convenience.
FAQs - Frequently Asked Questions
Our Personal Cyber Risk Policy covers you for 1 year
Credit monitoring involves tracking someone’s credit history. This monitoring detects any suspicious transactions and activities.
Malware attacks are the most common form of cyberattacks. Malware can cause changes in your computer system without your consent. These attacks can hamper your privacy and can compromise your data. Fraudsters can also use it to extract money from you.
If you are between the ages of 21-50, you can buy our policy.
Option 1: You can either file an online claim
Option 2: You can call us at this toll-free number (1800 266 1112)
We provide personal card loss cover as an add-on cover. You will have to pay an additional premium to get the benefit.
The policy covers defence costs, counselling services, direct financial loss, and IT consultation services.
Download documents
PRODUCT NAME: PERSONAL CYBER RISK POLICY | UIN NO: IRDAN132RPLB0001V01202021 | LAUNCH DATE: 1ST OCTOBER 2020




