{"uin":"IRDAN123CP0040V01201819","name":"Electronic and Computer Crime Insurance Policy","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819","insurer":{"slug":"cholamandalam-ms-general-insurance","name":"Cholamandalam MS General Insurance Company Limited","url":"https://indiainsurances.com/insurer/cholamandalam-ms-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This policy indemnifies the insured in excess of the deductible against specified direct financial loss first discovered during the policy period. It covers computer systems, electronic computer programs, electronic data and media, computer virus, electronic and telefacsimile communications, electronic transmissions, electronic securities, and voice initiated instructions.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:58:39.071549+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plans or variants are stated in the supplied documents.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the Policy Period and expiration date stated in the Schedule, but the Schedule is not included.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must give written notice to the insurer as soon as possible and in any event within twenty one (21) days after discovery of any loss.","display":"As soon as possible and within twenty one (21) days after discovery of loss","note":null,"quote":"As a condition precedent to its right to be indemnified under this Policy, the Insured shall, as soon as possible and in any event within twenty one (21) days after discovery by the Insured of any loss hereunder, give written notice thereof to the Insurer.","sources":[{"clause":"7","heading":"NOTIFICATION AND DISCOVERY OF LOSS","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-7-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form","Detailed note on the event leading to the loss","Any Legal notice / summon received from the aggrieved party","Defence initiated from your end, if so what are the grounds","KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.","What are the preventive measures initiated to avoid recurrence","Any other Document"],"display":"Claim form; detailed note on the event; legal notice or summon; defence details; KYC documents; preventive measures; any other document","note":null,"quote":"Documents required for Claim processing:\na) Claim form,\nb) Detailed note on the event leading to the loss,\nc) Any Legal notice / summon received from the aggrieved party,\nd) Defence initiated from your end, if so what are the grounds,\ne) KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.,\nf) What are the preventive measures initiated to avoid recurrence,\ng) Any other Document,","sources":[{"clause":null,"heading":"TO MAKE A CLAIM","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5014#c-to-make-a-claim"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Turn Around Time for claims settlement is 7 days from receipt of Award / Last Document.","display":"7 days from receipt of Award / Last Document","note":null,"quote":"h) Turn Around Time for claims settlement is 7 days from receipt of Award / Last Document.","sources":[{"clause":null,"heading":"TO MAKE A CLAIM","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5014#c-to-make-a-claim"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["from any of the perils covered by the Insured's Financial Institution Bond","by an identifiable director or employee of the Insured or by a person or persons in collusion with said director or employee of the Insured","Loss of income or potential income, including but not limited to interest and dividends","Indirect or consequential loss of any nature","Liability assumed by the Insured by agreement under any contract unless such liability would have attached to the Insured even in the absence of such agreement","Any and All fees, costs and expenses incurred by the Insured in establishing the existence of or amount of loss covered under this Policy; or as a party to any legal proceedings whether before a Court or tribunal except as provided by General Condition 6","Any loss or damage which arises directly or indirectly by reason of or in connection with war, invasion, act of foreign enemy, hostilities or warlike operations","ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel","Loss of Electronic Data Processing Media or Electronic Data while in the mail or with a carrier for hire other than an armoured motor vehicle company","Loss resulting directly or indirectly from forged, altered or fraudulent negotiable instruments, securities, documents or written instruments used as source documentation in the preparation of Electronic Data or manually keyed in a data terminal","Loss resulting directly or indirectly from the accessing of any confidential information including but not limited to trade secret information, computer programs or customer information","Loss resulting from mechanical failure, faulty construction, error in design, latent defect, wear or tear, gradual deterioration, electrical disturbance, Electronic Data Processing Media failure or breakdown or any malfunction or error in programming or errors or omissions in processing","Loss resulting directly or indirectly from any Computer Virus unless covered under Insuring Agreement 4","any violation or disregard by the Insured of the provisions of the Information Technology Act 2000 or any rules or regulations issued by any competent authority under such legislation or any similar legislation"],"display":"Financial Institution Bond perils; director or employee/collusion; loss of income; consequential loss; contractual liability; fees and costs; war and similar events; nuclear risks; mail or carrier loss; forged instruments; confidential information access; mechanical or programming failures; computer virus unless covered; Information Technology Act 2000 violations","note":null,"quote":"This Policy does not cover any Loss arising out of or resulting from or caused by, in whole or in part or directly or indirectly, arising out of, or resulting from, in whole or in part:\n1. from any of the perils covered by the Insured's Financial Institution Bond.\n2. by an identifiable director or employee of the Insured or by a person or persons in collusion with said director or employee of the Insured. ... Loss of income or potential income, including but not limited to interest and dividends. ... Indirect or consequential loss of any nature. ... Liability assumed by the Insured by agreement under any contract unless such liability would have attached to the Insured even in the absence of such agreement. ... Any and All fees, costs and expenses incurred by the Insured\n1. in establishing the existence of or amount of loss covered under this Policy; or\n2. as a party to any legal proceedings whether before a Court or tribunal except as provided by General Condition 6. ... Any loss or damage which arises directly or indirectly by reason of or in connection with war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, strike, insurrection, civil commotion assuming the proportion of or amounting to a popular uprising, military or usurped power, martial law, riot or the act of any lawful constituted Authority. ... a) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, or\nb) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. ... Loss of Electronic Data Processing Media or Electronic Data while in the mail or with a carrier for hire other than an armoured motor vehicle company. ... Loss resulting directly or indirectly from forged, altered or fraudulent negotiable instruments, securities, documents or written instruments used as source documentation in the preparation of Electronic Data or manually keyed in a data terminal. ... Loss resulting directly or indirectly from the accessing of any confidential information including but not limited to trade secret information, computer programs or customer information. ... Loss resulting from mechanical failure, faulty construction, error in design, latent defect, wear or tear, gradual deterioration, electrical disturbance, Electronic Data Processing Media failure or breakdown or any malfunction or error in programming or errors or omissions in processing. ... Loss resulting directly or indirectly from any Computer Virus unless covered under Insuring Agreement 4. ... 23. any violation or disregard by the Insured of the provisions of the Information Technology Act 2000 or any rules or regulations issued by any competent authority under such legislation or any similar legislation.","sources":[{"clause":"III","heading":"EXCLUSIONS","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-iii"},{"clause":"3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-3-2"},{"clause":"4","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-4-2"},{"clause":"5","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-5-2"},{"clause":"6","heading":"Any and All fees, costs and expenses incurred by the Insured","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-6-2"},{"clause":"7","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-7-2"},{"clause":"8","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-8-2"},{"clause":"10","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-10-2"},{"clause":"13","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-13-2"},{"clause":"15","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-15-2"},{"clause":"16","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-16-2"},{"clause":"20","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-20-2"},{"clause":"22","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-22-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First send the grievance in writing by post or email to the insurer's Grievance Redressal Officer, or contact the company through its website, toll free number, email, fax, courier address, or branch grievance cell. If not satisfied, contact the grievance officer at GRO@cholams.murugappa.com before approaching external routes.","display":"Grievance Redressal Officer first; then grievance officer at GRO@cholams.murugappa.com if not satisfied","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows:\n1. OUR GRIEVANCE REDRESSAL OFFICER You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nIn case of any grievance the insured person may contact the company through Website : www.cholainsurance.com Toll free : 1800 208 9100 E-Mail : customercare@cholams.murugappa.com Fax : 044 -4044 5550 Courier : Cholamandalam MS General Insurance Company Limited, Customer services, Head Office Dare House 2nd floor, No 2 N.S.C. Bose Road, Chennai 600 001 Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at GRO@cholams.murugappa.com","sources":[{"clause":null,"heading":"GRIEVANCES","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-grievances"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["COMPUTER SYSTEMS","ELECTRONIC COMPUTER PROGRAMS","ELECTRONIC DATA AND MEDIA","COMPUTER VIRUS","ELECTRONIC AND TELEFACSIMILE COMMUNICATIONS","ELECTRONIC TRANSMISSIONS","ELECTRONIC SECURITIES","VOICE INITIATED INSTRUCTIONS"],"display":"Computer Systems; Electronic Computer Programs; Electronic Data and Media; Computer Virus; Electronic and Telefacsimile Communications; Electronic Transmissions; Electronic Securities; Voice Initiated Instructions","note":null,"quote":"THE INSURER WILL, AS PART OF AND SUBJECT TO THE RELEVANT POLICY LIMIT SPECIFIED IN ITEM 7 OF THE SCHEDULE, THE APPLICABLE DEDUCTIBLE AND OTHER TERMS AND CONDITIONS OF THIS POLICY, WILL PROVIDE AN INDEMNITY FOR CLAIMS MADE IN RESPECT OF THE FOLLOWING LOSSES: ... COMPUTER SYSTEMS ... ELECTRONIC COMPUTER PROGRAMS ... ELECTRONIC DATA AND MEDIA ... COMPUTER VIRUS ... ELECTRONIC AND TELEFACSIMILE COMMUNICATIONS ... ELECTRONIC TRANSMISSIONS ... ELECTRONIC SECURITIES ... VOICE INITIATED INSTRUCTIONS","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-s1"},{"clause":null,"heading":"COMPUTER SYSTEMS","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-computer-systems"},{"clause":null,"heading":"ELECTRONIC COMPUTER PROGRAMS","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-electronic-computer-programs"},{"clause":null,"heading":"ELECTRONIC DATA AND MEDIA","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-electronic-data-and-media"},{"clause":null,"heading":"COMPUTER VIRUS","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-computer-virus"},{"clause":null,"heading":"ELECTRONIC AND TELEFACSIMILE COMMUNICATIONS","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-electronic-and-telefacsimile-communications"},{"clause":null,"heading":"ELECTRONIC TRANSMISSIONS","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-electronic-transmissions"},{"clause":null,"heading":"ELECTRONIC SECURITIES","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-electronic-securities"},{"clause":null,"heading":"VOICE INITIATED INSTRUCTIONS","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-voice-initiated-instructions"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is stated in Item 8 of the Schedule and applies to each and every loss, but the Schedule amount is not included.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policy terminates immediately upon receipt by the insurers of the insured's written notice to terminate. The refund wording says unearned premium is pro-rata of the Annual Premium if terminated by the Insurer as provided in paragraph (d), although paragraph (d) is the insured's termination notice.","display":"Immediate termination on written notice; refund wording says pro-rata of the Annual Premium for paragraph (d)","note":"The wording appears internally inconsistent because paragraph (d) is termination by the insured, but the refund sentence says \"terminated by the Insurer as provided in paragraph (d)\".","quote":"d) immediately upon receipt by the Insurers of a written notice from the Insured of its decision to terminate this Policy. ... The Insurer shall refund any unearned premium computed at short-rate of the Annual Premium if terminated pursuant to paragraph (a) or (e) of this General Condition but pro-rata of the Annual Premium if terminated by the Insurer as provided in paragraph (d) of this General Condition.","sources":[{"clause":"17(d)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-17-d"},{"clause":"17(e)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-17-e"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"No policy-wide geographic area of cover is stated.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers specified direct financial loss sustained by the insured after the Retroactive Date and first discovered during the Policy Period, in excess of the applicable deductible and up to the Aggregate Limit of Indemnity.","display":"Direct financial loss from the specified electronic and computer crime covers, in excess of deductible","note":null,"quote":"THE INSURER hereby agrees, in consideration of the payment by or on behalf of the Insured of the premium specified in the Schedule, and subject always to the terms, conditions and exclusions of this policy, to indemnify the Insured in excess of the amounts of the Deductible applicable against such direct financial loss as is provided for herein sustained by the Insured subsequent to the Retroactive Date and first discovered by the Insured during the Policy Period stated and notified in accordance with the terms and Conditions in the Schedule, up to an amount not exceeding the Aggregate Limit of Indemnity stated in the Schedule.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035#c-s1"}],"law":[]}],"documents":[{"kind":"wording","label":"ELECTRONIC AND COMPUTER CRIME INSURANCE POLICY (C).pdf","pages":20,"fetched_at":"2026-10-17 19:42:44+00","source_url":"https://www.cholainsurance.com/documents/20121/o/ELECTRONIC%20AND%20COMPUTER%20CRIME%20INSURANCE%20POLICY%20(C).pdf/6934f907-58f8-7109-af74-55b1e9d1c9b4","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5035"},{"kind":"wording","label":"Electronic and Computer Crime Insurance Policy (Retail) - Policy Wording.pdf","pages":16,"fetched_at":"2026-10-17 19:42:47+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Electronic%20and%20Computer%20Crime%20Insurance%20Policy%20(Retail)%20-%20Policy%20Wording.pdf/42ed5edd-51ae-57f0-e80a-3d7eb2d40e83","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5038"},{"kind":"prospectus","label":"Prospectus-Electronic And Computer Crime Insurance Policy(Retail).pdf","pages":5,"fetched_at":"2026-10-17 19:42:19+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Electronic%20And%20Computer%20Crime%20Insurance%20Policy(Retail).pdf/d08e377d-fc46-06f1-5a96-f1683f32c2f0","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5008"},{"kind":"prospectus","label":"Prospectus-Electronic and computer crime insurance-Commercial.pdf","pages":5,"fetched_at":"2026-10-17 19:42:23+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Electronic%20and%20computer%20crime%20insurance-Commercial.pdf/e563ee43-cd70-ea40-756c-81915538162d","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/5014"},{"kind":"cis","label":"CIS-Electronic and Computer Crime Insurance Policy.pdf","pages":5,"fetched_at":"2026-10-17 19:40:28+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Electronic%20and%20Computer%20Crime%20Insurance%20Policy.pdf/930e039f-d5cd-16a3-8edf-844ba713fc7e","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819/document/4922"}],"versions":[{"uin":"IRDAN123RP0052V01200203","version":null,"approved_on":null},{"uin":"IRDAN123CP0040V01201819","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Cholamandalam MS General Insurance official website","url":"https://www.cholainsurance.com","note":"Website as listed by IRDAI. Not checked: the site returned HTTP 502 to our crawler on 2026-10-19."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Electronic and Computer Crime Insurance Policy (UIN IRDAN123CP0040V01201819), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/electronic-and-computer-crime-insurance-policy-irdan123cp0040v01201819"}