Check covered events
Confirm which fraud, breach, restoration, liability, or support costs are covered.
Insurance
Cyber Insurance
Get protection for selected online fraud, data, device, or cyber risks covered by the policy.
Before you start
Cyber Insurance Eligibility and Document Guide
Check the basic rules and keep the required records ready before starting this service.
Important before you apply
Key points to consider for Cyber Insurance
Check these points carefully before choosing an option or starting your application.
Follow security rules
Use updates, strong access controls, backups, and other policy-required safeguards.
Know how to report
Save the insurer helpline and report an incident quickly with records.
12 eligibility points
Eligibility Criteria
See the basic conditions normally checked before you can apply.
Eligibility / Risk Criteria - Individual Cyber
- Adult/proposer within insurer's product eligibility.
- Resident/serviceable geography as per product.
- Valid KYC/contact details.
- Applicant may be asked about:
- strong password use,
- two-factor authentication,
- antivirus/security software,
- software updates,
- data backup,
- prior cyber incidents/losses.
- Past cyber losses may change acceptance/premium/terms.
- Coverage differs by insurer; do not represent every cyber event as covered.
35 document points
Document Requirements
Check which clear and valid documents you should keep ready.
Purchase Documents / Data
- Proposal form / online risk questionnaire.
- name/date of birth.
- PAN.
- identity/address KYC.
- mobile/email.
- current/permanent address.
- selected limit of liability.
- GSTIN if applicant has/needs it for invoicing.
- income/source-of-funds proof if insurer's KYC/underwriting asks.
- CKYC details where available.
- prior cyber incident details.
- cyber-security practice declaration.
Business Cyber - If You Add Later
Use a separate checklist
- entity KYC.
- turnover/revenue.
- industry.
- data type/volume.
- employee count.
- security controls.
- MFA/EDR/backups.
- vendors/cloud providers.
- prior incidents.
- penetration/vulnerability results where required.
- cyber-security policies.
Do not reuse the individual checklist.
Claim Documents - Common
- Claim form.
- FIR/police/cybercrime report where relevant.
- forensic report.
- proof of financial loss.
- bank/payment evidence.
- screenshots / email headers / transaction records.
- invoices for IT consultant/restoration costs.
- evidence of data/privacy event.
- mitigation/action chronology.
- policy/KYC/bank details.
Buy cyber insurance in three steps
Follow these three simple steps.
- 1Check the coverReview what cyber insurance covers, does not cover, and when the cover starts.
- 2Share correct detailsEnter the requested personal, health, vehicle, home, or risk information correctly.
- 3Buy and keep the policyPay only after checking the policy terms and keep the issued policy safely.
More insurance services
Open another service to read its own eligibility and document guide.
Reference Basis
These public sources were checked for this guide. Rules can change, so open the source for the latest official information.