{"uin":"IRDAN158RP0013V01202223","name":"Digit My Online Space Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit My Online Space Policy is an indemnity cyber insurance policy for covered events arising out of the use of the internet. The policy can be taken for 1 year, 2 years or 3 years, and the deductible amount is as stated in the Policy Schedule.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:21:19.734522+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 documents describe cover sections, not named 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":"quote-verified","value":"The Policy can be taken for 1 year, 2 years and 3 years.","display":"1 year, 2 years and 3 years","note":null,"quote":"The Policy can be taken for 1 year, 2 years and 3 years. A discount of 5% and 7.5% will be applicable on the overall policy premium, in case of a 2-years and 3 years policy respectively.","sources":[{"clause":null,"heading":"What are the options for Policy Period this Insurance Cover?","page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/685#c-what-are-the-options-for-policy-period-this-insu"}],"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":"On happening of any loss or damage or receipt of any claim, written or e-mail notice from the registered email id must be given as soon as practicable within 7 days, and in any event not later than 14 days after the end of the Period of Insurance or Discovery Period.","display":"as soon as practicable, within 7 days but not later than 14 days after the end of the Period of Insurance or Discovery Period","note":null,"quote":"On happening of any loss or damage the Insured or Upon receipt of any Claim, You shall, as soon as practicable, give notice in writing/e-mail from registered email id with Us within 7 days but in any event not later than 14 days after the end of the Period of Insurance or Discovery Period, ( as opted You and mentioned on the Policy Schedule);","sources":[{"clause":"21","heading":"Claims Reporting Process","page":35,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-21-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Submission of fully completed and signed Claim form","Copy of FIR/Complaint lodged with Police Authorities / cyber cell","Customer complaint letter regarding Unauthorized / Fraudulent transaction to the bank/ financial authority/ card issuer","Account Statement for last 6 months indicating Fraudulent Transactions/Unauthorised Use and loss liability","Internal Investigation report of the Bank/ Card issuer/ Financial Institution","Evidence that the bank/ Financial Institution is not reimbursing for the fraudulent transactions","Proof of settlement / chargeback/ other recoveries","Copies of legal notice received from any Person/entity","Copies of summons received from any court in respect of a suit filed by a party/entity","Copies of correspondence with Financial Institutions with regard to any Loss","Legal notice served on any Financial Institution and or case filed against Financial Institution for IT Theft Loss","Copies of legal notice served on any Third Party for any Data breach or privacy breach","Copies of criminal case filed against Third Party","Copies of invoices for expenses covered under the policy for which indemnity is sought","Proof to show that the Personal Data is the propriety information belonging to the Insured","Proof to show that Loss is incurred by the Insured","Three Month Salary slip, Attendance register along with loss of pay/ leave details","self-employed person – ITR return, proof of loss of wages/ income, proof that You had taken off from work for meeting with the relevant authorities","Consultation fee Invoice with a Psychologist, Prescription of the Psychologist","Proof of cyber-crime leading to loss","Proof that Loss of Job is due to any covered event under the policy","Particulars of other applicable insurance, if any","Any other document required on case-to-case basis"],"display":"Claim form, FIR/complaint, bank complaint letter, account statement, bank investigation report, proof of non-reimbursement, recoveries, legal papers, invoices and other case-specific documents","note":null,"quote":"i) Submission of fully completed and signed Claim form\nii) Copy of FIR/Complaint lodged with Police Authorities / cyber cell. However, for small claims upto INR 5000, E-Complaint lodged at the National Cyber Crime Reporting Portal can be submitted.\niii) Customer complaint letter regarding Unauthorized / Fraudulent transaction to the bank/ financial authority/ card issuer withing the time frame as per Policy Schedule upon discovery of loss by You.\niv) Account Statement for last 6 months indicating Fraudulent Transactions/Unauthorised Use and loss liability.\nv) Internal Investigation report of the Bank/ Card issuer/ Financial Institution\nvi) Evidence that the bank/ Financial Institution is not reimbursing for the fraudulent transactions\nvii) Proof of settlement / chargeback/ other recoveries\nviii) Copies of legal notice received from any Person/entity\nix) Copies of summons received from any court in respect of a suit filed by a party/entity\nx) Copies of correspondence with Financial Institutions with regard to any Loss\nxi) Copies of legal notice received from any Person/entity\nxii) Copies of summons received from any court in respect of a suit filed by a party/entity\nxiii) Copies of correspondence with Financial Institutions with regard to any Loss\nxiv) Legal notice served on any Financial Institution and or case filed against Financial Institution for IT Theft Loss\nxv) Copies of legal notice served on any Third Party for any Data breach or privacy breach\nxvi) Copies of criminal case filed against Third Party\nxvii) Copies of invoices for expenses covered under the policy for which indemnity is sought\nxviii) Proof to show that the Personal Data is the propriety information belonging to the Insured.\nxix) Proof to show that Loss is incurred by the Insured.\nxx) In case of Lost Wages / Income Claim - Three Month Salary slip, Attendance register along with loss of pay/ leave details, and self-employed person – ITR return, proof of loss of wages/ income, proof that You had taken off from work for meeting with the relevant authorities.\nxxi) In case of Psychologist Counselling –Consultation fee Invoice with a Psychologist, Prescription of the Psychologist.\nxxii) In case of Online Shopping Fraud – Proof of cyber-crime leading to loss\nxxiii) In case of EMI cover- Proof that Loss of Job is due to any covered event under the policy\nxxiv) Particulars of other applicable insurance, if any\nxxv) Any other document required on case-to-case basis","sources":[{"clause":"21","heading":"Claims Reporting Process","page":35,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-21-3"}],"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 documents only say settlement will be as per prevailing guidelines or specified timelines, and the CIS says the TAT depends on the nature of claim.","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":["Your failure to take due care and precaution to safeguard Your Personal Information, Bank Accounts and/or Credit/Debit Cards information and internet communication.","Any damage to or destruction of any tangible property, including loss of use thereof.","Deliberate, criminal, fraudulent, dishonest, Illegal, or malicious acts or failure to act by You or intentional or knowing violation of any duty, obligation, contract, law or regulation by You.","Facts or circumstances existing prior to the commencement of this cover, which You knew or ought to have reasonably known to be facts or circumstances likely to give rise to a Claim.","Your business activities (including but not limited to e-trading and blogging where You receive remuneration or benefits in any form), Occupation or political affiliations.","Any losses or liabilities connected with any types of purchase or sale transactions or other dealing in securities, commodities, derivatives, foreign or Federal Funds, currencies, foreign exchange, cryptocurrencies/ digital currency/ virtual currency and the like.","Sharing/Divulging user id /login name/ password leading to loss of Money/Data.","Any loss or damage already reimbursed by bank/ Financial Institution or any other entity.","Consequential loss or damage of any kind including loss suffered by any Third Party.","Losses arising from the theft, disappearance, loss of value or inaccessibility of any cryptocurrency or any virtual or digital currency","Fees and costs incurred before acceptance of a Claim.","Fines or financial penalties, punitive, exemplary, liquidated, aggravated or multiple Damages whether imposed through a court of law, legislation or under a contractual arrangement or otherwise.","Sanctions and Limitations","Iran Risk Clause"],"display":"Main exclusions include failure to safeguard information, tangible property damage, deliberate or illegal acts, prior facts, business activities, trading, sharing login/password, reimbursed losses, consequential loss, cryptocurrency losses, pre-acceptance fees, fines or penalties, sanctions and Iran risks","note":null,"quote":"Your failure to take due care and precaution to safeguard Your Personal Information, Bank Accounts and/or Credit/Debit Cards information and internet communication. ... Any damage to or destruction of any tangible property, including loss of use thereof. ... Deliberate, criminal, fraudulent, dishonest, Illegal, or malicious acts or failure to act by You or intentional or knowing violation of any duty, obligation, contract, law or regulation by You. ... Facts or circumstances existing prior to the commencement of this cover, which You knew or ought to have reasonably known to be facts or circumstances likely to give rise to a Claim. ... Your business activities (including but not limited to e-trading and blogging where You receive remuneration or benefits in any form), Occupation or political affiliations. ... Any losses or liabilities connected with any types of purchase or sale transactions or other dealing in securities, commodities, derivatives, foreign or Federal Funds, currencies, foreign exchange, cryptocurrencies/ digital currency/ virtual currency and the like. ... Sharing/Divulging user id / login name and password- Any sharing of user id /login name/ password leading to loss of Money/Data. ... Any loss or damage already reimbursed by bank/ Financial Institution or any other entity. ... Consequential loss or damage of any kind including loss suffered by any Third Party. ... Fees and costs incurred before acceptance of a Claim. ... Losses arising from the theft, disappearance, loss of value or inaccessibility of any cryptocurrency or any virtual or digital currency ... Fines or financial penalties, punitive, exemplary, liquidated, aggravated or multiple Damages whether imposed through a court of law, legislation or under a contractual arrangement or otherwise. ... Sanctions and Limitations: We shall not be liable to pay any Claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such Claim or provision or such benefit would expose Us to any sanction, prohibition or restriction under United Nations resolutions or trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. ... Iran Risk Clause: This Policy does not provide any cover and does not include any liability to pay any Claim or provide any benefit hereunder, in respect of any risk related to Iran, unless such risk is specifically disclosed and agreed in writing by the insurer.","sources":[{"clause":"1","heading":"Your failure to take due care and precaution to safeguard Your Personal Information, Bank","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-1-13"},{"clause":"2","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-2-9"},{"clause":"3","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-3-5"},{"clause":"4","heading":"Facts or circumstances existing prior to the commencement of this cover, which You knew or","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-4-2"},{"clause":"6","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-6-2"},{"clause":"7","heading":"Trading","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-7-2"},{"clause":"14","heading":"Sharing/Divulging user id / login name and password- Any sharing of user id /login name/","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-14-2"},{"clause":"19","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-19-2"},{"clause":"20","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-20-2"},{"clause":"23","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-23-2"},{"clause":"24","heading":"Losses arising from the theft, disappearance, loss of value or inaccessibility of any","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-24-2"},{"clause":"29","heading":null,"page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-29-2"},{"clause":"30","heading":"Sanctions and Limitations: We shall not be liable to pay any Claim or provide any benefit","page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-30-2"},{"clause":"31","heading":"Iran Risk Clause","page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-31-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Complaints may first be made to the company through its website, toll-free number 1800-258-5956 or email hello@godigit.com; the clause also lists grievance@godigit.com and a senior-citizen contact. After internal investigation and closure, if the response is not satisfactory, the policyholder may approach the Insurance Ombudsman.","display":"Complain first to Digit by website, 1800-258-5956 or hello@godigit.com; then Insurance Ombudsman if not satisfied","note":null,"quote":"if You ever wish to lodge a complaint, You may contact the company through:\nWebsite: www.godigit.com Toll-free number: 1800-258-5956 Email: hello@godigit.com\nSenior citizens can now contact Us on 1800-258-5956 or write to Us at seniors@godigit.com. Email: grievance@godigit.com ... If You do not get a satisfactory response from Us and You wish to pursue other avenues for redressal of grievances, You may approach Insurance Ombudsman appointed by IRDAI under the Insurance Ombudsman Scheme.","sources":[{"clause":"30","heading":"Customer Grievance Redressal Policy","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-30-3"}],"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":["Direct Financial Loss","Defence Cost","Cyber Reputation Damage","Cyber Identity Theft","Unauthorized Online Transactions","Unauthorized Physical Transactions","Cyber Extortion","Cyber Stalking/Bullying/Harassment","Social Engineering Financial Fraud","Privacy Breach and Data Breach by Third Party","Any other amount the Insurer is liable to pay under the terms and conditions of this Policy"],"display":"Direct financial loss, defence cost, cyber reputation damage, cyber identity theft, unauthorized online and physical transactions, cyber extortion, cyber stalking/bullying/harassment, social engineering financial fraud and privacy/data breach","note":"Covered events depend on the sections opted and mentioned in the Policy Schedule.","quote":"Covered Events/ Loss: An occurrence of one or more of these Covered Events which arises out of the use of the internet and that is attributed to the conduct of a Third Party and is not due to Your fault. The events as mentioned below will be covered based on the sections as opted by You and mentioned in the Policy Schedule.\ni) Direct Financial Loss\nii) Defence Cost\niii) Cyber Reputation Damage\niv) Cyber Identity Theft\nv) Unauthorized Online Transactions\nvi) Unauthorized Physical Transactions\nvii) Cyber Extortion\nviii) Cyber Stalking/Bullying/Harassment\nix) Social Engineering Financial Fraud\nx) Privacy Breach and Data Breach by Third Party\nxi) Any other amount the Insurer is liable to pay under the terms and conditions of this Policy","sources":[{"clause":"8","heading":"Covered Events/ Loss","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-8"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The deductible is the amount stated in the Policy Schedule, deducted from the covered loss before payment. If more than one deductible is payable for one claim or series of claims from one occurrence, only the highest deductible is payable, and the insurer pays only covered loss exceeding the deductible amount shown in the Policy Schedule.","display":"As stated in the Policy Schedule; highest deductible only if more than one applies","note":null,"quote":"Deductible means the amount stated in the Policy Schedule that the Insurer deducts from the covered loss before effecting payment. If more than one Deductible is payable under this Policy for any one Claim or series of Claims arising from one Occurrence, the highest Deductible is the only Deductible payable by You. ... Subject to the policy limits that apply, We will pay only that part of the total of all covered loss that exceeds the Deductible amount shown in the Policy Schedule.","sources":[{"clause":"18","heading":"Deductible","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-18"},{"clause":"13","heading":"Policy Deductible","page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-13-3"}],"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":"For an annual policy, the insurer refunds proportionate premium for the unexpired policy period if the term is up to one year and no claim has been made. For long-term policies, it refunds premium for the unexpired policy period for policy years where risk coverage has not commenced.","display":"Annual: proportionate refund for unexpired period if no claim; long term: refund for unexpired policy years where risk has not commenced","note":null,"quote":"i) For Annual Policy: refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period.\nii) For Long Term Policies: refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":"9","heading":"Cancellation Cancellation By The Insured","page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-9-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording only says the coverage territory will be as mentioned in the Policy Schedule.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers Covered Events/Loss arising out of the use of the internet and attributed to a Third Party, depending on the sections opted and mentioned in the Policy Schedule. These include direct financial loss, defence cost, cyber reputation damage, cyber identity theft, unauthorized online and physical transactions, cyber extortion, cyber bullying/harassment, social engineering financial fraud and privacy/data breach.","display":"Covered Events/Loss arising out of use of the internet and attributed to a Third Party","note":null,"quote":"Covered Events/ Loss: An occurrence of one or more of these Covered Events which arises out of the use of the internet and that is attributed to the conduct of a Third Party and is not due to Your fault. The events as mentioned below will be covered based on the sections as opted by You and mentioned in the Policy Schedule.\ni) Direct Financial Loss\nii) Defence Cost\niii) Cyber Reputation Damage\niv) Cyber Identity Theft\nv) Unauthorized Online Transactions\nvi) Unauthorized Physical Transactions\nvii) Cyber Extortion\nviii) Cyber Stalking/Bullying/Harassment\nix) Social Engineering Financial Fraud\nx) Privacy Breach and Data Breach by Third Party\nxi) Any other amount the Insurer is liable to pay under the terms and conditions of this Policy","sources":[{"clause":"8","heading":"Covered Events/ Loss","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708#c-8"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit My Online Space Policy - IRDAN158RP0013V01202223","pages":39,"fetched_at":"2026-10-17 19:40:52+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/policy-wordings-my-online-space-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/708"},{"kind":"prospectus","label":"Prospectus -Digit My Online Space Policy - IRDAN158RP0013V01202223","pages":18,"fetched_at":"2026-10-17 19:40:28+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/prospectus-digit-my-online-space-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/685"},{"kind":"cis","label":"CIS - Digit My Online Space Policy - IRDAN158RP0013V01202223","pages":5,"fetched_at":"2026-10-17 19:38:11+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/cis-digit-my-online-space-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223/document/559"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.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":"Motor claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","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 procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","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."}],"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":"Digit My Online Space Policy (UIN IRDAN158RP0013V01202223), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-online-space-policy-irdan158rp0013v01202223"}