In India, under cyber insurance for individuals, which of the following benefits are generally covered, in addition to payment for the loss of funds and other benefits? 1. Cost of restoration of the computer system in case of malware disrupting access to one's computer 2. Cost of a new computer if some miscreant wilfully damages it, if proved so 3. Cost of hiring a specialized consultant to minimize the loss in case of cyber extortion 4. Cost of defence in the Court of Law if any third party files a suit. Select the correct answer using the code given below:
A.1, 3 and 4 only✓ Correct
B.1, 2, 3 and 4
C.1, 2 and 4 only
D.2 and 3 only
Explanation
Cyber insurance typically covers restoration of computer systems, hiring specialised consultants in case of cyber extortion, and legal defence costs—but not the cost of replacing physically damaged hardware.
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