Prelims 2020 · Q60
Mediumभारत में, किसी व्यक्ति के साइबर बीमा कराने पर, निधि की हानि की भरपाई एवं अन्य लाभों के अतिरिक्त, सामान्यतः निम्नलिखित में से कौन-कौन से लाभ दिए जाते हैं ?
- 1.यदि कोई मैलवेयर कम्प्यूटर तक उसकी पहुँच बाधित कर देता है, तो कम्प्यूटर प्रणाली को पुनः प्रचालित करने में लगने वाली लागत
- 2.यदि यह प्रमाणित हो जाता है कि किसी शरारती तत्त्व द्वारा जान-बूझकर कम्प्यूटर को नुकसान पहुँचाया गया है तो नए कम्प्यूटर की लागत
- 3.यदि साइबर बलात्-ग्रहण होता है तो इस हानि को न्यूनतम करने के लिए विशेषज्ञ परामर्शदाता की सेवाएँ लेने पर लगने वाली लागत
- 4.यदि कोई तीसरा पक्ष मुक़दमा दायर करता है तो न्यायालय में बचाव करने में लगने वाली लागत
नीचे दिए गए कूट का प्रयोग कर सही उत्तर चुनिए :
Read this question in English
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, 2 and 4 only · (b) 1, 3 and 4 only · (c) 2 and 3 only · (d) 1, 2, 3 and 4
उत्तर और व्याख्या · explanation in English
Answer: (b) केवल 1, 3 और 4
Personal cyber-insurance policies in India pay for restoring data and programs damaged by malware, for security-consultant costs when fighting cyber extortion, and for legal defence costs if a third party makes a claim. They do not pay for a replacement computer, because damage to tangible property is excluded.
- ✓ 1. The cover pays the reasonable and necessary cost to restore, retrieve or reinstall data or programs damaged by malware, including software licences needed to reproduce them.
- ✗ 2. Physical damage to hardware is not covered: policy wordings exclude any damage to or destruction of tangible property. The cover is for data and programs, not the machine.
- ✓ 3. Under the cyber extortion cover the insured is expected to involve a security consultant, with the insurer's prior written consent, to limit the loss; reasonable and necessary costs resulting from the extortion threat are covered.
- ✓ 4. The malware cover pays defence costs if an affected person or entity makes a claim for legal liability arising from malware entering the insured's computer system.
Remember · Personal cyber cover pays for data restoration, extortion-response consultants and legal defence costs, but not for replacing damaged hardware. Always read the policy wording.
Sources
- IRDAI-hosted policy wording: Future Generali India Insurance, Personal Cyber Risk Policy (UIN IRDAN132RP0001V01202021) ↗ “Reasonable and necessary Cost to technically restore, retrieve or reinstall Data or Computer Program damaged by entry of the Malware including the Cost of purchasing a Software License necessary to reproduce such Data or Computer Programs … take all reasonable steps (including the involvement of a security consultant with the Insurer’s prior written consent), to effectively mitigate the Cyber Extortion Loss. … Defence Costs incurred as a result of any Claim by an Affected Person or an Entity for Legal liability that directly results from the Damage caused by entry of Malware into the Insured’s Computer System.”
- IRDAI-hosted policy wording: Bajaj Allianz General Insurance, Individual Cyber Safe Insurance Policy ↗ “Property Damage Any damage to or destruction of any tangible property, including loss of use thereof.”
Question and answer: UPSC's official GS Paper I (2020, Series A) — paper ↗ · answer key ↗. Explanation: Minimalist IAS, checked 30 Sept 2026 (how we verify). Permalink ·