{"uin":"IRDAN152RP0001V01202021","name":"Kotak Cyber Secure","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited","url":"https://indiainsurances.com/insurer/zurich-kotak-general-insurance"},"line":"general","category":"liability","category_name":"Liability","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2020-05-22","withdrawn_on":null,"summary":"Kotak Cyber Secure is a personal cyber insurance policy covering digital theft of funds, e-reputation loss and e-extortion threat, data recovery and media liability. Claims are payable in India in Indian Rupees, with a specific provision for theft of funds while travelling outside India.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:36:23.498675+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":"The wording does not name plan variants.","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 defines the policy period by reference to the schedule, but no fixed policy term is printed in the provided wording.","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":"Claims must be reported to the insurer as soon as reasonably practicable during the Policy Period or Discovery Period. Section-specific deadlines include 72 hours for theft reports to the issuing bank/mobile wallet and FIR, 72 hours to police and 30 days to the insurer for e-reputation or extortion threat claims, and 45 days to the insurer for data loss.","display":"As soon as reasonably practicable; section deadlines include 72 hours, 30 days and 45 days","note":"Deadlines vary by insuring section and by the authority to whom the report must be made.","quote":"You must report as soon as is reasonably practicable during the Policy Period or the Discovery Period (if applicable): ... c) You report to the issuing Bank or the Mobile wallet company within 72 hours of discovery of the breach, ... d) You lodge an First Information Report ( FIR ) with the Police detailing the unauthorized Theft of funds within 72hours upon discovery of the breach by You, ... c) The Cyber Bullying or Defamation Event is reported by You to the police within 72 hours of discovery by You, and; ... d) The Cyber Bullying or Defamation Event is reported by You to Us as soon as practicable but in no event more than 30 days after the date it is first discovered by You. ... c) The Extortion Threat is reported by You to the police within 72hours of discovery by You, and; ... d) The Extortion Threat is reported by You to Us as soon as practicable but in no event more than 30 days after the date it is discovered by You. ... b) The loss, alteration, corruption or destruction of Your data is reported by You to Us as soon as practicable but in no event more than 45 days after the date it occurs and is discovered by You, and;","sources":[{"clause":"7.1","heading":"Reporting a Claim","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-7-1"},{"clause":"1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-1-1"},{"clause":"2.2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-2-2"},{"clause":"2.4","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-2-4"},{"clause":"3.4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-3-4"}],"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 and/or duly acknowledged copy of a Police Complaint","Copies of legal notice received from any affected person/entity","Copies of summons received from any court in respect of a suit filed by an affected party/entity","Copies of correspondence with Bank and/or Mobile Wallet with regard to Theft of funds","Legal notice served on any Bank and/or Mobile Wallet company for Theft of funds","Original and/ or attested invoices for expenses incurred on all costs being claimed under this Policy","Original and/ or attested for expenses incurred due to involvement of a specialist service provider or advisor","Details/invoices of costs incurred for filing of a Claim for damages against a Third Party perpetrator in connection with a cyber incident governed by this Policy","Proof to show ownership of Your Computer system","Proof to show that the Personal data is the propriety information belonging to You"],"display":"Claim form, FIR/police complaint, legal notices/summons, bank or wallet correspondence, invoices, third-party damage claim costs, proof of computer ownership and proof personal data belongs to you","note":null,"quote":"i) Submission of fully completed and signed claim form, ... ii) Copy of FIR lodged with police authorities / cyber cell and/or duly acknowledged copy of a Police Complaint, ... iii) Copies of legal notice received from any affected person/entity, ... iv) Copies of summons received from any court in respect of a suit filed by an affected party/entity, ... v) Copies of correspondence with Bank and/or Mobile Wallet with regard to Theft of funds; ... vi) Legal notice served on any Bank and/or Mobile Wallet company for Theft of funds, ... vii) Original and/ or attested invoices for expenses incurred on all costs being claimed under this Policy, ... viii) Original and/ or attested for expenses incurred due to involvement of a specialist service provider or advisor, ... ix) Details/invoices of costs incurred for filing of a Claim for damages against a Third Party perpetrator in connection with a cyber incident governed by this Policy, ... x) Proof to show ownership of Your Computer system, and ... xi) Proof to show that the Personal data is the propriety information belonging to You.","sources":[{"clause":"7.1(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-7-1-a"}],"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":"not-stated","value":null,"display":null,"note":"The wording does not print a time limit for deciding or paying claims.","quote":null,"sources":[],"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":["gross negligence by You in taking precautions to safeguard Your Personal information, Bank accounts and/or Credit/Debit cards and or Mobile wallets information and internet communication","Theft of funds due to physical loss or theft of Your Computer system","Criminal and fraudulent Acts committed by You","Any loss of Non-Fiat currencies including but not limited to Bitcoins","Circumstances or incidents that existed prior to inception of the Policy","Any criminal, dishonest, deliberate or malicious conduct of You including any Intentional or known violation of any duty, obligation, contract, law or regulation","Any physical injury, sickness, disease or death","Any loss or destruction of tangible property, or loss of use thereof, or physical theft, including wear and tear","Any activities carried out by You for business or professional purposes, whether in your capacity as an employee or self-employed practitioner","Any actual or alleged plagiarism or infringement of any Trade Secrets, patents, trademarks, trade names, copyrights, licenses or any other form of intellectual property stands excluded, except to the extent of coverage extended under Section 4 (Media liability)","War, hostilities or warlike activities (whether war is declared or not), invasion, civil uprisings, riot, rebellion, insurrection, illegal strikes, decrees of government, state or public authorities","Terrorism means any acts committed for political, religious, ideological or similar purposes, including the intention to influence any government and/or to put the public, or any section of the public, in fear, including cyber terrorism","Any failure, interruption, degradation or outage of infrastructure or related services of the following Third Party providers: telecommunication, internet service, satellite, cable, electricity, gas or water providers","The insolvency, liquidation, bankruptcy of an issuing bank or Mobile Wallet provider","Any losses in connection with racist, extremist, pornographic or other immoral/obscene services, statements or representations provided made or committed by the insured"],"display":"Excludes gross negligence, physical theft-related theft of funds, insured's criminal/fraudulent acts, non-fiat currencies, prior circumstances, bodily injury, tangible property loss, business/professional activities, IP infringement except media liability, war, terrorism, utility/service outages, bank or wallet insolvency and immoral/obscene services","note":null,"quote":"gross negligence by You in taking precautions to safeguard Your Personal information, Bank accounts and/or Credit/Debit cards and or Mobile wallets information and internet communication, ... Theft of funds due to physical loss or theft of Your Computer system, ... Criminal and fraudulent Acts committed by You, ... Any loss of Non-Fiat currencies including but not limited to Bitcoins, ... Circumstances or incidents that existed prior to inception of the Policy ... Any criminal, dishonest, deliberate or malicious conduct of You including any Intentional or known violation of any duty, obligation, contract, law or regulation. ... Any physical injury, sickness, disease or death; ... Any loss or destruction of tangible property, or loss of use thereof, or physical theft, including wear and tear. ... Any activities carried out by You for business or professional purposes, whether in your capacity as an employee or self-employed practitioner. ... Any actual or alleged plagiarism or infringement of any Trade Secrets, patents, trademarks, trade names, copyrights, licenses or any other form of intellectual property stands excluded, except to the extent of coverage extended under Section 4 (Media liability). ... War, hostilities or warlike activities (whether war is declared or not), invasion, civil uprisings, riot, rebellion, insurrection, illegal strikes, decrees of government, state or public authorities. ... Terrorism means any acts committed for political, religious, ideological or similar purposes, including the intention to influence any government and/or to put the public, or any section of the public, in fear, including cyber terrorism. ... Any failure, interruption, degradation or outage of infrastructure or related services of the following Third Party providers: telecommunication, internet service, satellite, cable, electricity, gas or water providers. ... The insolvency, liquidation, bankruptcy of an issuing bank or Mobile Wallet provider. ... Any losses in connection with racist, extremist, pornographic or other immoral/obscene services, statements or representations provided made or committed by the insured.","sources":[{"clause":"1.4","heading":"Exclusions","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-1-4"},{"clause":"6.1","heading":"Dishonest or Improper Conduct","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-6-1"},{"clause":"6.2","heading":"Bodily Injury","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-6-2"},{"clause":"6.3","heading":"Property Damage","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-6-3"},{"clause":"6.4","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-6-4"},{"clause":"6.5","heading":"Intellectual Property and Trade Secrets","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-6-5"},{"clause":"6.8","heading":"War","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-6-8"},{"clause":"6.9","heading":"Terrorism","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-6-9"},{"clause":"6.12","heading":"Outage/ Disturbance Loss","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-6-12"},{"clause":"6.16","heading":"Insolvency","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-6-16"},{"clause":"6.17","heading":"Immoral/Obscene Services","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-6-17"}],"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":"For a query or grievance, contact the branch office, toll-free 1800 266 4545 or care@kotak.com. If not satisfied with the response, contact the Grievance Officer at grievanceofficer@kotak.com.","display":"Branch office / 1800 266 4545 / care@kotak.com, then grievanceofficer@kotak.com","note":null,"quote":"For resolution of any query or grievance, You may contact the respective branch office of the Company or may call toll free number 1800 266 4545 or may write an e- mail at care@kotak.com. ... In case You are not satisfied with the response, You may contact the Grievance Officer of the Company at grievanceofficer@kotak.com.","sources":[{"clause":"21","heading":"Grievances","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-21"}],"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 suffered by You as a result of a Cyber Incident or Hacking","legal costs incurred to pursue a legal action against Third party for non-reimbursement of funds due to Theft of funds","E-reputation loss due to a Cyber Bullying or Defamation Event","Extortion loss incurred by You due to an Extortion Threat","costs incurred by You to pay a Specialist IT Service Provider to restore Your data","costs of a specialist IT service provider incurred by you to decontaminate, clean and restore Your Computer System","Extortion loss incurred due to a Data Extortion Threat","legally liable arising from a Third party claim for defamation, breach of copyright, title, slogan, trademark, trade name, service mark, service name or domain name, or breach or invasion interference of privacy rights"],"display":"Digital theft of funds, related legal costs, e-reputation loss, e-extortion, data recovery and decontamination, data extortion and media liability","note":null,"quote":"We will indemnify You for Theft of funds suffered by You as a result of a Cyber Incident or Hacking of Your Bank account, Credit/Debit card and/ or Mobile wallets by a Third party ... We will provide You coverage for legal costs incurred to pursue a legal action against Third party for non-reimbursement of funds due to Theft of funds event as set forth in Section 1.1. ... We will reimburse You for Your E-reputation loss due to a Cyber Bullying or Defamation ... We will reimburse You for the Extortion loss incurred by You due to an Extortion Threat. ... We will reimburse You for any reasonable and necessary costs incurred by You to pay a Specialist IT Service Provider to restore Your data on Your Computer System which has been lost, altered, corrupted or destroyed as a direct result of a Cyber Incident. ... We will reimburse you for any reasonable and necessary costs of a specialist IT service provider incurred by you to decontaminate, clean and restore Your Computer System which was affected by the Cyber Incident. ... We will reimburse You for the Extortion loss incurred due to a Data Extortion Threat. ... We will pay any sums for which You are legally liable arising from a Third party claim for: ... i) defamation, ... ii) breach of copyright, title, slogan, trademark, trade name, service mark, service name or domain name, or ... iii) breach or invasion interference of privacy rights,","sources":[{"clause":"1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-1-1"},{"clause":"1.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-1-2"},{"clause":"2.1","heading":"We will reimburse You for Your E-reputation loss due to a Cyber Bullying or Defamation","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-2-1"},{"clause":"2.3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-2-3"},{"clause":"3.1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-3-1"},{"clause":"3.2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-3-2"},{"clause":"3.3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-3-3"},{"clause":"4.1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-4-1"}],"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 refers to a Deductible if any, but the deductible amount is not printed in the provided wording.","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":"You may cancel at any time by giving at least 15 days written notice. The company retains premium on a short period scale for the period the policy has been in force, subject to no claim: up to 1, 2, 3, 4, 5, 6, 7 and 8 months retain 20 %, 30%, 40%, 50%, 60%, 70%, 80 % and 90 % of annual premium respectively; exceeding 8 months retains the full annual premium.","display":"15 days written notice; short-period retention if no claim, from 20 % of annual premium up to 1 month to full Annual Premium after 8 months","note":"Refund applies only if there has been no claim under the policy.","quote":"The Policy may be cancelled by You at any time by giving at least 15 days written notice to the Company. ... The Company will retain premium on a short period scale, as provided below, for the period the Policy has been in force, subject to no Claim under the Policy. ... For a period not exceeding | 1 month | 20 % of the Annual Premium ... For a period not exceeding | 2 months | 30% of the Annual Premium ... For a period not exceeding | 3 months | 40% of the Annual Premium ... For a period not exceeding | 4 months | 50% of the Annual Premium ... For a period not exceeding | 5 months | 60% of the Annual Premium ... For a period not exceeding | 6 months | 70% of the Annual Premium ... For a period not exceeding | 7 months | 80 % of the Annual Premium ... For a period not exceeding | 8 months | 90 % of the Annual Premium ... For a period exceeding | 8 months | The full Annual Premium","sources":[{"clause":"10","heading":"Cancellation/ Termination /Refund","page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-10"}],"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":"Claims are payable only if the cause of action arises in India, unless otherwise specifically provided in the policy. Theft of funds while travelling outside India is specifically provided, subject to additional conditions.","display":"India, unless otherwise specifically provided; theft of funds while travelling outside India is covered subject to conditions","note":"For theft of funds outside India, the police complaint/FIR must be dated within 5 days of first arrival into India, passport proof is required, and travel duration must not exceed 2 months for a single trip.","quote":"No claims shall be payable under this Policy unless the cause of action arises in India, unless otherwise specifically provided in Policy. All Claims shall be payable in India and shall be in Indian Rupees only. ... For Theft of funds incurred while You are travelling outside of India, the following additional conditions shall be applicable: ... i) A copy of FIR and/or duly acknowledged copy of a Police Complaint confirming Theft of funds should be dated within 5 days of first arrival into India. ... ii) A copy of passport will be required as proof of travel. ... iii) Travel duration should not exceed 2 months for a single trip outside of India (i.e. last departure from India to be no more than 2 months from latest date of arrival into India)","sources":[{"clause":"12","heading":"Cause of Action/ Currency for Payments","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-12"},{"clause":"1.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-1-3"}],"law":[]},{"key":"liability_limit","label":"Limit of indemnity","section":"Cover","meaning":"Most paid per claim and per year.","status":"not-stated","value":null,"display":null,"note":"The wording says liability is limited by the Limit of Liability and schedule sublimits, but no per-claim or aggregate amount is printed in the provided wording.","quote":null,"sources":[],"law":[]},{"key":"retroactive_date","label":"Retroactive date","section":"Cover","meaning":"Claims from events before this date are not covered.","status":"quote-verified","value":"Any loss or circumstance which first occurred before the inception of the Policy is excluded.","display":"Before inception of the Policy is excluded","note":null,"quote":"Any loss or circumstance which first occurred before the inception of the Policy.","sources":[{"clause":"6.6","heading":"Prior Acts","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789#c-6-6"}],"law":[]}],"documents":[{"kind":"wording","label":"Kotak Cyber Secure (IRDAI copy)","pages":16,"fetched_at":"2026-10-20 01:35:37+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN152RP0001V01202021_GEN3990.pdf/41421cd8-032d-b141-d01f-adde33ab36a7?version=1.1&t=1668237144844&download=true","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021/document/26789"}],"versions":[{"uin":"GEN3990","version":null,"approved_on":null},{"uin":"IRDAN152RP0001V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zurich Kotak General Insurance ( ) official website","url":"https://www.zurichkotak.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":"Claims","url":"https://www.zurichkotak.com/services/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 process","url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","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":"Renewals","url":"https://www.zurichkotak.com/renewal","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":"Kotak Cyber Secure (UIN IRDAN152RP0001V01202021), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-cyber-secure-irdan152rp0001v01202021"}