E Secure
E@Secure Insurance ( UIN: IRDAN125RP0026V01202122)
Key Features
The word “internet” has turned our existence upside down. It has changed the way we work, socialize, create and share information and organize the flow of people, ideas, and things around the globe. Today, we spend much of our time on the internet surfing, shopping, sharing and even meeting new people. There is no doubt that internet has given us convenience and improves our life enormously, but at the same time it has also proven as a dangerous place which exposes us to the risks that subsist in cyber space, such as the risk of damage to your e-reputation, fraudulent transactions with your credit cards, debit cards, theft of your personal information, etc.
HDFC ERGO brings to you E@Secure Insurance, a product designed to provide protection to individual customers in the event of online breach (arising directly from the use of internet) by the third parties resulting due to covered risk.
Coverage
- Legal Protection: Covers legal cost and expenses In case of a legal dispute arising out of specified covered risk as listed below. Also covers cost of legal advice sought by the insured.
- Damage to E-Reputation: Covers damage to personal reputation when third party publishes harmful information about you on the internet (including forums, blog postings, social media and any other website)
- Identity theft: Reimburse expenses incurred due to loss of your personal information over the internet by a third party to obtain money, goods or services
- Unauthorized online transactions: Covers fraudulent online transactions made on your bank account /debit/ credit card/ e-wallets by a third party.
- E-extortion: Covers you for the financial loss suffered by you as a result of an extortion threat.
- Cyber bullying: Covers expenses incurred for psychological counselling, if you are the victim of cyber bullying or harassment by the third party.
- Phishing and E-mail spoofing: Covers financial loss suffered due to direct result of phishing and email spoofing.
Eligibility
- Family: extend cover to include self, spouse and dependent children (maximum upto 4 family members)
Contact us
In case of an Insured event giving rise to a claim under the Policy, the insured should immediately intimate the company on the below mentioned contact details.
Customer Service No: 18002700700
Email: care@hdfcergo.com
Terms and conditions
- The above information is only indicative in nature. For details of the coverage and exclusions, please refer to the policy wordings.
- The liability of the Company does not commence until the acceptance of the proposal has been formally intimated to the Insured and full premium has been realized by the Company.
Exclusions
- Illegal or malicious act
- Business activities of any kind including full time or part time gainful employment or any other work for pay or profit
- Prior facts and circumstances
- Failure to take reasonable precaution to protect Your personal or confidential information
- Loss directly or indirectly and intentionally created by you
- Any kind of unexplained loss or mysterious disappearance
- Any loss caused by the order of any government authority
- Consequential losses of any kind or any damage suffered by Third Party
- Any inherent product defect / wear and tear / disputes concerning purchase price
- Loss already reimbursed by the bank
- Fees and costs incurred before the acceptance of claim
- Losses arising from the theft, disappearance, loss of value or inaccessibility of any cryptocurrency
- Claim made in connection to the Outage-of-external-Networks
- Claims reported after 6 months from the date of occurrence of the events covered under this policy
- Any damage or destruction to tangible property including any use thereof
- Any contractual or assumed liability
- Infringement of any intellectual property rights
- War & Terrorism
- Inherent product defect or any liability relating to securities, commodities, derivatives, foreign or Federal Funds, currencies, foreign exchange, and the like
- Unsolicited correspondence or communications (whether in physical or electronic form), wire tapping, audio or video recordings or telephone marketing
Buy Online
HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. The above mentioned product is underwritten by HDFC ERGO General Insurance Company Limited. The Federal Bank Limited (Federal Bank Ltd, Federal Towers, Aluva, Kerala, India – 683101.) is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No.CA0227.UIN: e@secure Insurance Policy - IRDAN125P0003V01201819. UID: 4518.
Disclaimer
The Federal Bank Limited is a Corporate Agent having registration number - Regn. No. CA0227. The service provided by The Federal Bank Limited is purely an agency service and is carried out strictly on a non-risk participation basis. The Federal Bank Limited, as corporate agent does not underwrite the risk or act as an insurer. Participation by the Federal Bank’s customers in the insurance product is purely on a voluntary basis and is not linked to the availment of any other facility from the Federal Bank Limited.