Bajaj Allianz
Personal Cyber Safe
₹1,274/yr · ₹1 L cover
- UPI fraud up to ₹50K
- Identity theft ₹50K
- Online shopping fraud ₹25K
Cyber insurance
When your OTP gets stolen, the insurer pays back the bank.
₹1 L cyber cover from ₹106/mo. UPI & card-fraud reimbursement, identity-theft restoration, and online-defamation legal costs. We compare the seven IRDAI-cleared personal cyber products clause-by-clause — most exclude crypto, social-engineering caps differ widely.
₹50 L
Max sum insured
7 days
Avg fraud-claim TAT
24/7
Incident hotline
What it covers
Five threats, one policy.
The base plan bundles the first four; device protection is the most-popular optional rider.
Most claimed
UPI + card fraud
Unauthorised UPI / netbanking / card transactions reimbursed.
Most claimed cover
from ₹49/mo
Identity theft
PAN/Aadhaar misuse — restoration costs + legal fees.
For working professionals
from ₹89/mo
Cyber extortion
Ransomware demand pay-out on personal devices.
Power users / freelancers
from ₹65/mo
Online reputation
Legal costs to remove malicious content + defamation suits.
Public-facing professionals
from ₹118/mo
Device protection
Phone / laptop screen damage, theft, accidental damage.
Add-on rider
from ₹74/mo
₹107 Cr
Daily UPI-fraud loss in India (RBI 2025)
34%
Indians who've faced identity theft (NCRB)
68%
Phishing-related cyber complaints
₹4.2 L
Avg ransomware demand · personal
Top picks
Featured cyber plans.
Three standouts for an individual policy · Bengaluru. Prices recompute live when you run a quote.
Most bought
HDFC ERGO
E@Secure
₹1,899/yr · ₹2.5 L cover
- Cyber stalking + bullying ₹50K
- Privacy-breach legal ₹50K
- 24/7 incident hotline
ICICI Lombard
Cyber Personal
₹2,540/yr · ₹5 L cover
- Family-of-4 cover
- Reputation damage ₹1 L
- Cyber-extortion ₹2 L
Common questions.
What if my UPI got drained but I gave my OTP?
Most personal-cyber plans cover OTP-based phishing — you must show you weren't complicit and report to the bank within 3 working days. Wilful negligence (sharing PIN with another person) is excluded.
Do these cover business cyber attacks?
No — these are personal lines. Business email compromise (BEC), supply-chain attacks, and ransomware on company devices need a separate corporate cyber-liability policy under /business.
How fast does the insurer pay out?
Tier-1 insurers settle UPI / card-fraud claims in 7–14 days once the police complaint + bank dispute reference is on file. Identity-theft claims can run 30–60 days as legal expenses are reimbursed in instalments.
Will my home Wi-Fi router be covered?
No, the policy covers your accounts and identity, not your hardware. Pair with a device-protection rider for phones / laptops.
Are crypto / NFT losses covered?
Almost never. Crypto wallets are explicitly excluded across the seven IRDAI-cleared products — only RBI-supervised payment instruments (UPI, cards, netbanking) are in scope.
One UPI scam shouldn't empty your account.
60 seconds to a quote, 7 insurers compared, prices straight from the source. No spam calls.
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