{"uin":"IRDAN146RPLB0086V02202627","name":"HDFC ERGO Cyber Sachet Insurance","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627","insurer":{"slug":"hdfc-ergo-general-insurance","name":"HDFC ERGO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-ergo-general-insurance"},"line":"general","category":"liability","category_name":"Liability","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-10-06","withdrawn_on":null,"summary":"HDFC ERGO Cyber Sachet Insurance covers individuals and proprietors against selected cyber attack covers, including theft of funds, identity theft, cyber extortion, online shopping and liability covers. The policy can be bought for up to 5 years, has no monetary deductibles, and applies to losses or claims in India unless the schedule states otherwise.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:26:55.931901+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":null,"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":"quote-verified","value":"You can purchase this policy for a period maximum up to 5 years.","display":"Maximum up to 5 years","note":"The actual Policy Period is stated in the Policy Schedule/Certificate.","quote":"You can purchase this policy for a period maximum up to 5 years.","sources":[{"clause":null,"heading":"POLICY DURATION","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6845#c-policy-duration"}],"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":"Any insured event must be first discovered and reported during the policy period and up to 72 hours after the end of the policy period. Some covers impose shorter or section-specific deadlines, including 48 hours for Online Shopping and the Social Media Account daily cash allowance.","display":"During the policy period and up to 72 hours after termination; some covers require 48 hours","note":"Several individual covers also require reporting immediately or not later than 72 hours.","quote":"Any Insured Event must be first discovered by You during the Policy Period and reported to Us during the Policy Period and up to 72 hours after the termination of the Policy Period. Any third party claim must first be made against You during the Policy Period and reported to Us during the Policy Period not later than 72 hours after the termination of the Policy Period. ... i) the fraud event is reported by You to Us, Your card issuer or bank or other relevant entity within 48 hours of discovery by You; ... You report to Us immediately on discovery of event but not later than 48 hours","sources":[{"clause":null,"heading":"INSURING CLAUSE","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-insuring-clause"},{"clause":"Section 7","heading":"Online Shopping","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-section-7"},{"clause":"2","heading":"You report to Us immediately on discovery of event but not later than 48 hours","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-2-4"}],"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":["Submission of fully completed and signed claim form","Copy of FIR lodged with Police Authorities / Cyber cell","Copies of legal notice received from any affected person/entity","Copies of summon received from any court in respect of a suit filed by an affected party/entity","Copies of invoices for expenses You incurred for the services of IT specialist","Copies of invoices for expenses You incurred in amending / rectifying Your Personal Information","Evidence of Your consultation with Psychologist / Psychiatrist","Evidence of unpaid wages","Copy of Your last drawn monthly salary","Evidence of expenses incurred by You in rectifying records regarding Your identity","Copies of correspondence with bank evidencing that bank is not reimbursing You","Any other document required during the processing of claim"],"display":"Claim form, FIR/cyber cell copy, legal notices/summons, invoices, psychological consultation evidence, wage and salary evidence, identity-rectification evidence, bank correspondence and any other required document","note":"The policy says the insurer may reasonably require information and cooperation, including but not limited to these documents.","quote":"a) Submission of fully completed and signed claim form\nb) Copy of FIR lodged with Police Authorities / Cyber cell\nc) Copies of legal notice received from any affected person/entity\nd) Copies of summon received from any court in respect of a suit filed by an affected party/entity\ne) Copies of invoices for expenses You incurred for the services of IT specialist\nf) Copies of invoices for expenses You incurred in amending / rectifying Your Personal Information\ng) Evidence of Your consultation with Psychologist / Psychiatrist\nh) Evidence of unpaid wages\ni) Copy of Your last drawn monthly salary\nj) Evidence of expenses incurred by You in rectifying records regarding Your identity\nk) Copies of correspondence with bank evidencing that bank is not reimbursing You\nl) Any other document required during the processing of claim","sources":[{"clause":null,"heading":"Claims","page":13,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-claims"}],"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":"On receipt of all required information/documents, the insurer shall offer a settlement within 30 days or reject the claim within 30 days with reasons. The TAT also says decision of claim to insured is 7 days of receipt of the survey report or after expiry of fifteen days from allocation of the claim to the surveyor, whichever is earlier.","display":"Settlement offer or rejection within 30 days from all required documents; claim decision TAT 7 days from survey report or 15 days from surveyor allocation, whichever is earlier","note":null,"quote":"On receipt of all required information/documents that can be considered relevant and necessary for the claim, We shall, within a period of 30 days offer a settlement of the claim to You. If, for any reasons to be recorded in writing and communicated to You, We decide to reject a claim under the policy, it shall be within a period of 30 days from the receipt of all required information/documents that are relevant and necessary for the claim. ... Decision of claim to insured - 7 days of receipt of the survey report or after expiry of fifteen days from allocation of the claim to the surveyor whichever is earlier.","sources":[{"clause":null,"heading":"Claims","page":13,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-claims"},{"clause":null,"heading":"Turn Around Time (TAT) in working hours / days for claims settlement","page":13,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-turn-around-time-tat-in-working-hours-days-for-c"}],"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":["Any Event or circumstances which were known to You prior to inception of this policy that could reasonably lead to an Insured Event under this Policy.","Your business activities unless specifically covered and mentioned in your policy schedule/certificate of insurance.","Loss arising from any activity where you have invested or undertaken the activity in an assumption to earn income or profit.","Any action or omission of You or any misbehavior of You which is intentional, malicious, dishonest, deliberate or reckless.","Any action or omission in Your capacity as an employee.","Investment or trading losses including without limitation any inability to sell, transfer or otherwise dispose of securities.","Any financial loss arising from any investment or trading or Gaming activity.","Bodily injury, psychological harm (save that this exclusion shall not apply to anxiety or mental stress as set forth in Section 2 – Identity Theft and Section 5 – Cyber Bullying, Cyber Stalking and Loss of Reputation), trauma, illness or death.","Misappropriation, theft, infringement or disclosure of any intellectual property (such as patents, trademarks, copyrights). This exclusion shall not apply to Section 9 – Social Media and Media Liability. However, theft, infringement, misuse or abuse of patents will always remain excluded.","Third party claims made by Your family members, any person residing with You, made from Your account or any joint account holder with You.","Any Contractual liability.","Loss, misplacement, destruction, modification, unavailability, inaccessibility of and/or delay in trading with cryptocurrencies, consisting of coins (e.g. Bitcoin, Ethereum, Ripple, IOTA), tokens (e.g. EOS, Nem, Tether) or public and/or private keys being used in conjunction with the aforementioned.","Gambling online and or otherwise.","Any loss sustained due to incident of data compromise or data breach at platform provider / financial entity.","Any claim arising out of International financial transaction unless specifically mentioned in the Policy Schedule."],"display":"Main exclusions include prior known events, business activities unless covered, income/profit activities, intentional or dishonest acts, employee-capacity acts, investment/trading/gaming losses, bodily injury, intellectual property, family claims, contractual liability, cryptocurrencies, gambling, platform/financial entity data compromise and international financial transactions unless scheduled.","note":null,"quote":"Any Event or circumstances which were known to You prior to inception of this policy that could reasonably lead to an Insured Event under this Policy. ... Your business activities unless specifically covered and mentioned in your policy schedule/certificate of insurance. ... Loss arising from any activity where you have invested or undertaken the activity in an assumption to earn income or profit. ... Any action or omission of You or any misbehavior of You which is intentional, malicious, dishonest, deliberate or reckless. ... Any action or omission in Your capacity as an employee. ... Investment or trading losses including without limitation any inability to sell, transfer or otherwise dispose of securities. ... Any financial loss arising from any investment or trading or Gaming activity. ... Bodily injury, psychological harm (save that this exclusion shall not apply to anxiety or mental stress as set forth in Section 2 – Identity Theft and Section 5 – Cyber Bullying, Cyber Stalking and Loss of Reputation), trauma, illness or death. ... Misappropriation, theft, infringement or disclosure of any intellectual property (such as patents, trademarks, copyrights). This exclusion shall not apply to Section 9 – Social Media and Media Liability. However, theft, infringement, misuse or abuse of patents will always remain excluded. ... Third party claims made by Your family members, any person residing with You, made from Your account or any joint account holder with You. ... Any Contractual liability. ... Loss, misplacement, destruction, modification, unavailability, inaccessibility of and/or delay in trading with cryptocurrencies, consisting of coins (e.g. Bitcoin, Ethereum, Ripple, IOTA), tokens (e.g. EOS, Nem, Tether) or public and/or private keys being used in conjunction with the aforementioned. ... Gambling online and or otherwise. ... Any loss sustained due to incident of data compromise or data breach at platform provider / financial entity. ... Any claim arising out of International financial transaction unless specifically mentioned in the Policy Schedule.","sources":[{"clause":"1","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-1-5"},{"clause":"2","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-2-5"},{"clause":"3","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-3-3"},{"clause":"4","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-4"},{"clause":"5","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-5"},{"clause":"7","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-7-2"},{"clause":"8","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-8"},{"clause":"9","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-9"},{"clause":"10","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-10"},{"clause":"11","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-11"},{"clause":"12","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-12"},{"clause":"14","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-14"},{"clause":"15","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-15"},{"clause":"18","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-18"},{"clause":"23","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-23"}],"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 contact HDFC ERGO's Grievance Redressal Officer through the listed phone, email, branch, website or courier routes. If not satisfied, contact the Head of Customer Service at the Complaint & Grievance Redressal Cell, then the Chief Grievance Officer; the policy then mentions IRDAI Bima Bharosa and the Insurance Ombudsman.","display":"Grievance Redressal Officer first; then Head of Customer Service/C&G Cell; then Chief Grievance Officer","note":null,"quote":"If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through:\n• Call us: 18002677444\n• Emails – grievance@hdfcergo.com\n• Contact Details for Senior Citizens: 022 6242 6226 | Email ID: seniorcitizen@hdfcergo.com\n• Designated Grievance Officer in each branch.\n• Company Website – www.hdfcergo.com\n• Courier - Any of our Branch office or corporate office ... If you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our Head of Customer Service at\nThe Complaint & Grievance Redressal Cell, HDFC ERGO General Insurance Company Ltd. ... In case you are not satisfied with the response / resolution given / offered by the C&G cell, then you can write to the Chief Grievance Officer of the Company at the following address ... e-mail: cgo@hdfcergo.com Grievance may also be lodged at IRDAI Integrated Grievance Management system- https://bimabharosa.irdai.gov.in You may also approach the nearest Insurance Ombudsman for resolution, if your grievance is not redressed by the Company.","sources":[{"clause":null,"heading":"Our Grievance Redressal Officer","page":15,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-our-grievance-redressal-officer"},{"clause":null,"heading":"To the Chief Grievance Officer","page":15,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-to-the-chief-grievance-officer"}],"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":["Theft of Funds","Identity theft","Data Restoration/ Malware Decontamination","Replacement of Hardware","Cyber Bullying, Cyber Stalking and Loss of Reputation","Cyber Extortion","Online Shopping","Online Sales","Social Media and Media Liability","Network Security Liability","Privacy Breach and Data Breach Liability","Privacy Breach and Data Breach Liability by Third Party","Smart Home Cover","Liability arising due to Underage Dependent Children","Social Media Account"],"display":"Selectable cyber covers include theft of funds, identity theft, data restoration/malware decontamination, replacement of hardware, cyber bullying/stalking/loss of reputation, cyber extortion, online shopping, online sales, social media and media liability, network security liability, privacy/data breach liability, third-party privacy/data breach liability, smart home cover, underage dependent children liability and social media account cover.","note":"Coverage depends on the sections chosen and stated in the policy schedule.","quote":"HDFC ERGO Cyber Sachet Insurance offers you a wide variety of cyber risk covers; refer policy schedule for the coverage/s chosen by you from following : 1. Theft of Funds • Unauthorized Digital Transactions • Unauthorized Physical Transactions 2. Identity theft 3. Data Restoration/ Malware Decontamination 4. Replacement of Hardware 5. Cyber Bullying, Cyber Stalking and Loss of Reputation 6. Cyber Extortion 7. Online Shopping 8. Online Sales 9. Social Media and Media Liability 10. Network Security Liability 11. Privacy Breach and Data Breach Liability 12. Privacy Breach and Data Breach Liability by Third Party 13. Smart Home Cover 14. Liability arising due to Underage Dependent Children 15. Social Media Account","sources":[{"clause":"Row 6","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6581#c-row-6"}],"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":null,"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 insured can cancel the policy at any time during the policy term by informing the company. If there is no claim, the company refunds proportionate premium for the unexpired policy period; if there is a claim, no refund is made for the year in which the claim is made, and proportionate premium is refunded for unexpired policy years.","display":"Cancel any time; no-claim refund is proportionate for unexpired policy period; after a claim, no refund for the claim year and proportionate refund for unexpired policy years","note":null,"quote":"The Insured can cancel the policy at any time during the policy term, by informing the Company. The Company can cancel the policy only on the grounds of established fraud, by giving minimum notice of 7 days to the Insured. In case of no claim: The Company shall refund proportionate premium for the unexpired policy period. In case of claim: No refund shall be made for the year in which claim is made. The Company shall refund proportionate premium for the unexpired policy years.","sources":[{"clause":"5","heading":"CANCELLATION OF POLICY","page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-5-2"}],"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":"quote-verified","value":"The policy applies to any loss incurred or claims made in India, unless otherwise stated in the Policy Schedule/Certificate.","display":"India, unless otherwise stated in the Policy Schedule/Certificate","note":null,"quote":"Where payment is to be made under this policy and subject to all terms and conditions of this policy, this policy shall apply to any Loss incurred or claims made in India, unless otherwise stated in the Policy Schedule/Certificate.","sources":[{"clause":"15","heading":"Territorial scope","page":14,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-15-2"}],"law":[]},{"key":"liability_limit","label":"Limit of indemnity","section":"Cover","meaning":"Most paid per claim and per year.","status":"quote-verified","value":"The insurer's liability for any insured event cannot exceed the Sum Insured specified for the chosen cover in the Policy Schedule/Certificate, or the Floater Sum Insured if chosen. The prospectus lists Sum Insured options up to INR 5,00,00,000; for policy duration more than 1 year, the sum insured applies for each policy year.","display":"Up to the scheduled Sum Insured or Floater Sum Insured; options up to INR 5,00,00,000; applies each policy year for terms over 1 year","note":"The exact limit for an issued policy is the Sum Insured or Floater Sum Insured shown in that policy's schedule.","quote":"Our liability in respect of any Insured Event shall in no case exceed the Sum Insured specified against the cover opted in the Policy Schedule/Certificate and where You have opted Sum Insured on Floater basis, our liability in respect of any single or multiple Insured Event shall not exceed the Floater Sum Insured specified in the Policy Schedule/ Certificate during the Period of Insurance. ... Sum Insured (Up to 10,000) _______in multiples of Rs 100\n10,000 | 20,000 | 25,000 | 50,000 | 75,000 | 1,00,000 | 1,50,000 | 2,00,000\n2,50,000 | 3,00,000 | 5,00,000 | 10,00,000 | 20,00,000 | 50,00,000 | 1,00,00,000 | 5,00,00,000\nFor policy duration upto 1 year, the sum insured will be the maximum liability we will pay during the policy period as mentioned in the Policy Schedule/ Certificate of Insurance. For policy duration more than 1 year the sum insured will be applicable for each policy year.","sources":[{"clause":null,"heading":"INSURING CLAUSE","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924#c-insuring-clause"},{"clause":null,"heading":"OR","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6845#c-or"}],"law":[]},{"key":"retroactive_date","label":"Retroactive date","section":"Cover","meaning":"Claims from events before this date are not covered.","status":"not-stated","value":null,"display":null,"note":"No retroactive date is printed in the provided clauses; the policy instead uses first-discovered/claims-made wording and excludes known prior circumstances.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"HDFC ERGO Cyber Sachet Insurance","pages":18,"fetched_at":"2026-10-17 19:53:53+00","source_url":"https://customer-portal-assets.hdfcergo.com//documents/9.HDFCERGOCyberSachet_PolicyWording-384411711981.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6924"},{"kind":"wording","label":"HDFC ERGO Cyber Sachet Insurance (IRDAI copy)","pages":18,"fetched_at":"2026-10-20 00:37:23+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN125RP0026V01202122.pdf/c5ed5dbf-5e5a-67cd-be19-0ed9154aa7a8?version=1.1&t=1668849535123&download=true","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/24073"},{"kind":"prospectus","label":"HDFC ERGO Cyber Sachet Insurance","pages":9,"fetched_at":"2026-10-17 19:52:28+00","source_url":"https://customer-portal-assets.hdfcergo.com//documents/6.HDFCERGOCyberSachetInsurance_Prospectus-729954044514.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6845"},{"kind":"cis","label":"HDFC ERGO Cyber Sachet Insurance","pages":5,"fetched_at":"2026-10-17 19:46:02+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/7.HDFCERGOCyberSachetInsurance_CIS-518728349915.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6581"},{"kind":"brochure","label":"Cyber Sachet Insurance","pages":18,"fetched_at":"2026-10-17 19:39:55+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/brochures/csi-brochure-uid-10557-720295713026.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627/document/6368"}],"versions":[{"uin":"IRDAN125RP0026V01202122","version":null,"approved_on":null},{"uin":"IRDAN125RP0026V02202122","version":null,"approved_on":null},{"uin":"IRDAN146RPLB0086V02202627","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC ERGO General Insurance official website","url":"https://www.hdfcergo.com/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Claim intimation and process","url":"https://www.hdfcergo.com/claim/register-bike-insurance-claim/cashless-claims","note":null},{"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":"insurer","name":"Grievance redressal","url":"https://www.hdfcergo.com/customer-voice/grievances","note":null},{"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."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.hdfcergo.com/renew-car-insurance","note":null}],"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":"HDFC ERGO Cyber Sachet Insurance (UIN IRDAN146RPLB0086V02202627), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-cyber-sachet-insurance-irdan146rplb0086v02202627"}