1. Legal Protection: Covers legal cost and expenses In case of a legal dispute arising out of specified covered risk as listed below. Also covers cost of legal advice sought by the insured.
2. Damage to E-Reputation: Covers damage to personal reputation when third party publishes harmful information about you on the internet (including forums, blog postings, social media and any other website)
3. Identity theft: Reimburse expenses incurred due to loss of your personal information over the internet by a third party to obtain money, goods or services
4. Unauthorized online transactions: Covers fraudulent online transactions made on your bank account /debit/ credit card/ e-wallets by a third party.
5. E-extortion: Covers you for the financial loss suffered by you as a result of an extortion threat.
6. Cyber bullying: Covers expenses incurred for psychological counselling, if you are the victim of cyber bullying or harassment by the third party.
7. Phishing and E-mail spoofing: Covers financial loss suffered due to direct result of phishing and email spoofing.

• Family:  extend cover to include self, spouse and dependent children (maximum upto 4 family members)

In case of an Insured event giving rise to a claim under the Policy, the insured should immediately intimate the company on the below mentioned contact details.

Customer Service No: 18002700700

Email: care@hdfcergo.com

• The above information is only indicative in nature. For details of the coverage and exclusions, please refer to the policy wordings.
• The liability of the Company does not commence until the acceptance of the proposal has been formally intimated to the Insured and full premium has been realized by the Company.

• Illegal or malicious act
• Business activities of any kind including full time or part time gainful employment or any other work for pay or profit
• Prior facts and circumstances
• Failure to take reasonable precaution to protect Your personal or confidential information
• Loss directly or indirectly and intentionally created by you
• Any kind of unexplained loss or mysterious disappearance
• Any loss caused by the order of any government authority
• Consequential losses of any kind or any damage suffered by Third Party
• Any inherent product defect / wear and tear / disputes concerning purchase price
• Loss already reimbursed by the bank
• Fees and costs incurred before the acceptance of claim
• Losses arising from the theft, disappearance, loss of value or inaccessibility of any cryptocurrency
• Claim made in connection to the Outage-of-external-Networks
• Claims reported after 6 months from the date of occurrence of the events covered under this policy
• Any damage or destruction to tangible property including any use thereof
• Any contractual or assumed liability
• Infringement of any intellectual property rights
• War & Terrorism
• Inherent product defect or any liability relating to securities, commodities, derivatives, foreign or Federal Funds, currencies, foreign exchange, and the like
• Unsolicited correspondence or communications (whether in physical or electronic form), wire tapping, audio or video recordings or telephone marketing

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