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 :

Defines cyber crime and notes that cyber criminals use computers to access information and harm targets, framing cyber incidents (like malware) as recognized risks.

A student could infer that insurance products exist to manage such risks and then check typical cyber policy wordings to see if system restoration is listed as a covered loss.

Highlights that digital payment/CBDC ecosystems are vulnerable to cyber-attacks, showing institutional acknowledgement of cyber risk to digital systems.

A student could extend this recognition of systemic cyber risk to reason that insurers might offer products addressing loss from cyber-attacks (including restoration) and then examine product coverage details.

Distinguishes life and non-life insurance penetration in India, indicating an established non-life insurance market where cyber-risk products could be categorized.

A student can use this to narrow enquiries to non-life insurers and review standard non-life (e.g., specialty cyber) policy clauses for malware-related restoration coverage.

Lists the structure of the insurance sector (life, general, agricultural, deposit insurance), implying that specialized coverages are organized under general/non-life insurers.

A student could therefore focus on 'general insurance' companies when investigating whether individual cyber insurance policies include system restoration after malware.