Personal Cyber Insurance
Protection against online fraud, identity theft and cyber-stalking.
Understanding Personal Cyber Insurance.
Personal Cyber Insurance reimburses financial loss from UPI fraud, phishing, identity theft, social-engineering scams, unauthorised online transactions and cyber-stalking — plus legal costs to defend / restore your reputation.
Online fraud is now the #1 personal financial crime in India — and most banks reimburse only a fraction. A dedicated policy fills the gap.
What's actually inside this cover.
- UPI, card & wallet fraud
- Identity theft restoration
- Cyber-stalking legal cover
- Data restoration expenses
- Unauthorised financial transactions
- Identity theft
- Cyber extortion
- Legal costs for defamation / stalking
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
UPI fraud drains savings account; policy reimburses loss after FIR.
Identity theft used to open fraudulent loans; restoration costs covered.
Cyber-stalking case requires legal defence; legal costs funded.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Is your Personal Cyber Insurance cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.