Coverage Details

Theft of Fund

We will indemnify You for any direct and pure financial loss sustained by You as a result of a Theft of funds due to an unauthorized access to Your bank account, credit or debit card or mobile wallets by a third party, and as a consequence of You being a victim of phishing or email spoofing, provided that:

– You report to the issuing bank or the mobile wallet company within 72 hours after discovery of the Theft of funds,

– You provide evidence that the issuing bank or the mobile wallet company is not reimbursing You for the Theft of funds, and

– You lodge a police report detailing the Theft of funds within 72 hours upon discovery by You.

We will indemnify You any reasonable and necessary costs incurred by You for prosecution of a criminal case against the third party for committing the Theft of funds or the phishing or email spoofing against You.

Identity Theft

We will indemnify You for any direct and pure financial losses including Lost wages resulting from an identity theft, provided that:

– You have reported to us and the local police within 72 hours after discovery of the identity theft, and

– You can provide a confirmation from Your employer that the Lost wages are not be repaid.

We will indemnify You for the reasonable and necessary costs incurred by You for credit monitoring services and identity monitoring.

We will indemnify You for any reasonable and necessary costs incurred by You for prosecution of a criminal case against a third party for committing identity theft against You.

We will pay to or on behalf of You, all reasonable fees, costs and expenses of Psychological assistance and treatment resulting from an identity theft.

Cyber Bullying, Cyber Stalking and Loss of Reputation

We will indemnify You for any reasonable and necessary costs incurred by You for civil proceedings against a third party for committing cyber bullying or cyber stalking against You.

In case of an evident and significant loss of reputation caused by cyber bullying or cyber stalking, we will indemnify You for any reasonable and necessary costs and expenses for an expert to manage and restore Your reputation.

We will indemnify You for all reasonable fees, costs and expenses for a necessary relocation of school due to a significant and ongoing cyber bullying or cyber stalking, provided that the relocation was recommended by an expert or relevant authorities.

If opted for family cover, we will indemnify You for costs and expenses for a necessary appointment of a Tutor for an underage person (i.e. an age below 18 years) who is a listed family member due to a significant and ongoing cyber bullying or cyber stalking, provided that the appointment was recommended by an expert or relevant authorities.

We will indemnify You for all reasonable fees, costs and expenses of Psychological assistance and treatment resulting from cyber bullying or cyber stalking.

Social Media and Media Liability

We will pay any sums for which You are legally liable arising from a third party claim for any unintentional:

– defamation,

– breach of copyright, title, slogan, trademark, trade name, service mark, service name or domain name, or

– breach or interference of privacy rights, resulting from Your online media activities including media activities in social media.

We will also reimburse Your legal costs incurred by You resulting from the third party claim as set forth in Clause 1.8 a.

Privacy Breach and Data Breach by Third Party

We will reimburse Your legal costs incurred by You for claims for damages filed by You against a third party for Data Breach relating to Your confidential information or Personal data, provided the third party has communicated in writing to You or has acknowledged publicly by electronic or print media the occurrence of a Data Breach of Your confidential information or Personal data.

Online Sales

We will reimburse You for Your direct and pure financial loss resulting from You selling non commercially goods online to a dishonest or fraudulent third party buyer, where You have lost physical control of the goods but in return never have received due payment for such goods; provided that You can show that You have made reasonable attempts to seek payment or recover the delivered goods from the third party buyer or other relevant parties to indemnify You for Your financial loss.