The age range of a Personal Cyber Insurance buyer is 15 - 100 years and the buyer must be a Thai national living in Thailand.

Each insured can buy one Personal Cyber Insurance policy.

The policy covers losses or damage suffered by the insured from Theft of Funds by one of the following ways, whereas the incident must take place within the effective insurance period and the specified territory of protection mentioned in the policy schedule. 1) Identity Theft by third parties 2) phishing or email spoofing by third parties The Company shall indemnify the insured for any losses or damage that cannot be recovered from any other accountable party, as follows: 1) Financial losses 2) Litigation expenses The Company shall pay compensation according to a specified amount and/or an actual cost, but not exceeding the liability limit per policy year as specified in the policy schedule.

Yes. Identity Theft occurred to the insured online with the intention of stealing money from their online account. This activity has caused damage and adversely affected the insured, who is the rightful owner of the compromised data. As a result, the insured shall receive compensation for any financial losses incurred and/or litigation expenses, as the case may be. However, if hackers manage to steal the insured's Identity data from the Cloud system but do not make any transfers from the insured's account, instead using the stolen data to unlawfully open accounts or engage in deceptive activities that result in the insured being sued for fraud, such cases will not be covered by the policy.

Yes. In this case, the insured is deceived into sending their personal data online (Phishing), and hackers use such data to steal money from their online account. This activity has caused damage and adversely affected the insured, who is the rightful owner of the compromised data. As a result, the insured shall be compensated for any financial losses incurred and/or litigation expenses, as the case may be.

The policy covers losses or damage suffered by the insured from Cyber Extortion by external parties, whereas the incident must take place within the effective insurance period and the specified territory of protection mentioned in the policy schedule. The Company shall indemnify the insured for any losses or damage that cannot be recovered from any other accountable party, as follows: 1) Ransomware losses 2) Expenses necessary to resolve such incident The Company shall pay compensation according to a specified amount and/or an actual cost, but not exceeding the liability limit per policy year as specified in the policy schedule.

Malware removal costs, costs related to sanitizing malware-infected electronic devices, data recovery costs, or IT consultant hiring costs. The Company or its service centers shall consider appropriate methods to resolve the incident, depending on the facts or supporting information received at the time.

The policy covers losses or damage to the insured's reputation from Cyber Bullying commited by external parties, whereas the incident must take place within the effective insurance period and the specified territory of protection mentioned in the policy schedule. The Company shall indemnify the insured for any losses or damage that cannot be recovered from any other accountable party, as follows: 1) Litigation expenses 2) Psychological treatment expenses The Company shall pay compensation according to an actual cost, but not exceeding the liability limit per policy year as specified in the policy schedule.

No. This is because there is evidence of defamation by third parties but it is not posted nor available to others. Based on the objective of this policy, the insured's reputation has not yet been injured. It is advisable for the insured to proactively report the incident to the police as a precautionary measure, following the customary practice of a reasonable person, in order to mitigate potential losses or damages. However, the policy provides protection to the insured if a post targeting them becomes publicly visible and causes harm to their reputation.

The policy covers when the insured was tricked into purchasing products online according to purchase orders, and a payment was already made to the online business operator but the online business operator failed to deliver the product to the insured within 30 days from the date the online business operator notified the insured about the delivery. The Company shall indemnify the insured according to an amount paid to the online business operator to purchase such product that cannot be recovered from any other accountable party. The Company shall pay compensation according to an actual cost, but not exceeding the liability limit per policy year as specified in the policy schedule.

Covered products: Consumable goods such as air conditioners, fans, refrigerators, etc. Uncovered products: Digital products, tickets, or gift vouchers, and all illegal goods such as weapons, narcotic substances, etc.

No. The case is about goods not matching the order or description, while the policy aims to safeguard the insured party in situations where the online business operator fails to deliver the goods within a specified timeframe, starting from the date the operator notifies the insured about the delivery, provided that the insured adheres to customary practices of a reasonable person by appropriately following up with the business operator and receiving no response.

No. In the event that the seller has already delivered goods that resulted in losses due to errors, the insured must contact the carrier and/or the online business operator, as the losses or damages to the goods were a direct result of the delivery process.

The policy provides coverage for the insured who falls victim to deception while selling goods online, and subsequently delivers the goods to the online shopper without receiving payment within a period of 30 days from the date of delivery. The Company shall indemnify the insured for any outstanding amount resulting from the sale of goods that cannot be recovered from any other accountable party. The Company shall pay compensation according to an actual cost, but not exceeding the liability limit per policy year as specified in the policy schedule.

Yes, because this meets the coverage conditions specified in the policy.

Yes, due to the fulfillment of the policy conditions. In such a scenario, The Company will provide compensation for the actual cost, which is the remaining 50% of the payment, while ensuring it does not exceed the liability limit per policy year as specified in the policy schedule.

Please follow the claiming steps for Personal Cyber Insurance by clicking the link https://www.bangkokinsurance.com/claim_file/claim_document/claim-process cyber.pdf Please download claim forms for Personal Cyber Insurance by clicking the link https://www.bangkokinsurance.com/claim_file/claim_document/claim-form-cyber.pdf

The Company shall indemnify the insured/beneficiary within a period of 15 days from the date of receiving a signed letter with the company's seal (if applicable) from the insured/beneficiary, given that the insured has paid the premium in full.