HDFC Ergo E@Secure Cyber Insurance

Buy 20 lacs cyber insurance for less than Rs. 550 a month

  • 100% coverage for legal protection
  • Unauthorised Online Transaction covered upto 100%
  • E-mail spoofing, phishing covered, Digital Assets protection from Malware
  • Spouse and 2 dependent kids upto any age can also be covered
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Advantages of E@Secure Cyber Insurance

Unauthorised Online Transaction
Cyber crime insurance covers loss due to fraudulent use of the bank account and or credit/debit card and or e-wallets by a third party for purchases made over the internet.
Legal Protection
Cyber insurance plan covers not only financial losses but also the legal expenses upto full policy limit.
Family Coverage
This policy also allows you to cover not only yourself but your family members also. One has the option to get coverage for his/her spouse & 2 dependent kids.
Various Benefits
Cyber crime plan provides protection in the event of online breach like phishing, e-mail spoofing, e-extortion, identity theft, unauthorised online transactions, cyber bullying etc.

Benefits of HDFC E@Secure Plan

Cyber Bullying/Harassment

  • In the case of cyber bullying, one may suffer depression, lower self-esteem, frustration, anger, suicidal ideation etc. This policy will cover psychologist charges upto 10% of the policy limit.
  • The event should occur on the internet during period of insurance.
  • Initial waiting period of 45 days is applicable in case of cyber bullying.

Protection of Digital assets from malware

  • In case of loss due to destruction or corruption of digital assets caused by the security event, insured will get reimbursement for restoration, replacement or recollection of digital assets.
  • Cyber crime insurance covers upto 10% of the policy limit for protection of digital assets.
  • An additional premium needs to be paid to get this covered.

Wider Coverage

  • This individual cyber insurance provides 100% protection against the unauthorised online transactions done by third party using your bank account or debit/credit cards or e-wallets.
  • HDFC E@Secure policy covers monetary loss upto 25% of the policy limit In case of E-mail spoofing.
  • 100% cover for legal cost & expenses in case of legal dispute arising out of specified risks.


Cyber crime insurance policy provides protection to customers in the event of online breach i.e. arising directly from the use of internet. It covers legal expenses, damage to e-reputation, identity theft, unauthorised online transactions, e-extortion, cyber bullying, e-mail spoofing & phishing. Each of the coverage has its own limits. Also, one cam also get the coverage for the protection of digital assets from malware by paying a little extra premium.
Standard exclusions includes illegal, fraudulent, deliberate or malicious act, any claim reported more than 6 months after the occurrence of the event, any unexplained loss or mysterious disappearance leading to loss, war, terrorism, looting and acts of government, prior acts & circumstances & does not cover any claims related to non-digital media. Also, any damage caused by journalist is not covered.
There is an initial waiting period of 45 days that's applicable only in case of e-extortion, cyber bullying and damage to e-reputation. An event that occurs within the first 45 days of the issuance of the cyber insurance will not be covered only for these issues.
In the event of a claim under cyber insurance , you are required to submit the fully filled & signed claim form, the copy of FIR lodged with police authorities / cyber cell, copies of legal notice as received from any affected person/entity, copies of summons received from any court in respect of a suit filed by an affected party or entity, copies of invoices for any expenses you have incurred for the services of an IT specialist, copies of invoices for expenses you have incurred in amending / rectifying your personal information, evidence of your consultation with a psychologist / psychiatrist etc as per the nature of the claim. You can contact SecureNow for more information or guidance regarding any claim related query.
The process to file a claim under cyber crime insurance plan starts from intimation of claim. In the event of a loss resulting due to the occurrence of one or more of the specified events we must be informed immediately i.e. within 24 hours. You can submit all the required documents along with duly signed claim form within the specified time limit that we will inform you. Thereafter we will follow up with HDFC Ergo to get your claims passed.
Yes, in the event of a claim, you are required to file an FIR with police authorities or the cyber cell within 72 hours upon dicovery of the event. An FIR needs to be lodged detailing the identify theft or the unauthorized online transaction or the extortion threat etc. In case of unauthorised transaction, you are required to notify the issuing bank, or Credit or Debit Card issuer, or E-Wallet provider (as the case might be) within 72 hours, upon discovery of the breach.
Yes, HDFC E@Secure cyber insurance plan gives you the option to buy a policy for yourself and your family as well. In case of family, Self, Spouse & upto 2 dependent kids with no age limit can be covered. However, premium rates will be different for individual i.e. self policy and for family coverage i.e. Self, Spouse & 2 kids policy. Just by paying a little extra premium you can get your family covered in this policy.
Protection of digital assets from malware is an optional add-on, which helps you to cover the cost of restoration, replacement or recollection of digital assets which are corrupted or destroyed by malware. Limit of coverage is upto 10% of the policy limit. In order to calculate the premium you can use the calculator available on top of this page.
In case of limit of indemnity upto Rs 5,00,000, there are no deductibles. However for limit of indemnity above Rs 5,00,000, deductible of Rs 3500 on every claim will be applicable.
No, any claim in respect of any non-digital media eg in print or radio or television broadcast will not be covered. This plan will protect you in the digital space only.
The E@Secure cyber insurance plan provides multiple sum insured options starting from Rs 50,000 to Rs 1 Crore. The sum insured selection can depend upon your credit limit, the bank account balance and amount of your purchases made over the internet. You can select appropriately based on your situation.
Anyone who is 18 years and above can buy cyber insurance policy for self, spouse and two dependent children (without any age limit). Nowadays everybody from a teenager to a senior citizen is active on the internet. Every such individual is prone to online risks. Hence, buying E@Secure policy can safeguard against online frauds.

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