Does cyber insurance cover UPI fraud?

Yes, most retail cyber policies in India now cover financial losses due to UPI fraud, phishing, and unauthorized digital transactions.

Who needs personal cyber insurance?

If you perform high-volume digital payments (>₹50k/mo), have a high social media presence, or handle sensitive work data from home, cyber insurance is highly recommended.

What are the common exclusions?

Exclusions typically include physical damage to devices, losses due to your own negligence (sharing OTPs), and crypto-currency related frauds.

Cyber Insurance Need Calculator

Evaluate your digital risk and determine the appropriate cyber insurance cover for your profile.

Quick Summary: Cyber Insurance Need Calculator

With a 33% spike in Indian cyber-crimes, personal cyber insurance is no longer optional. It covers financial losses from phishing, identity theft, and ransomware. A recommended cover of ₹5L - ₹10L costs less than ₹1,500/year and provides vital legal and technical recovery support.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.