In India, under cyber insurance for individuals, which of thefollowing 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

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Q: (IAS/2020)
In India, under cyber insurance for individuals, which of thefollowing 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 :

question_subject: 

Polity

question_exam: 

IAS

stats: 

0,54,118,27,88,23,34

keywords: 

{'cyber insurance': [0, 0, 0, 1], 'cyber extortion': [0, 0, 0, 1], 'computer system': [0, 0, 0, 1], 'damages': [0, 0, 0, 2], 'malware': [0, 0, 0, 1], 'new computer': [0, 0, 0, 1], 'case': [6, 0, 1, 6], 'payment': [0, 1, 1, 8], 'defence': [5, 0, 4, 15], 'computer': [1, 0, 0, 1], 'cost': [2, 1, 2, 10], 'india': [8, 1, 7, 13], 'benefits': [1, 1, 1, 7], 'third party': [0, 0, 0, 1], 'other benefits': [0, 0, 0, 1], 'addition': [1, 0, 2, 4], 'access': [0, 0, 0, 2], 'law': [0, 0, 0, 1]}

The correct answer is b.

Under cyber insurance for individuals in India, the cost of restoration of the computer system in case of malware disrupting access to one`s computer and the cost of hiring a specialized consultant to minimize the loss in case of cyber extortion are generally covered. In addition, payment for the loss of funds and other benefits is also provided. However, the cost of a new computer if some miscreant wilfully damages it, if proved so, and the cost of defence in the Court of Law if any third party files a suit are generally not covered under cyber insurance for individuals.