UPSC PYQPrelims 2020

Civil Services Examination · Question 60

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:

  1. 1, 2 and 4 only
  2. 1, 3 and 4 only
  3. 2 and 3 only
  4. 1, 2, 3 and 4
Show answer & explanation

Answer: (B) 1, 3 and 4 only

Explanation

Cyber insurance covers restoration costs, cyber-extortion consultants and legal defence costs, but not the replacement cost of physically damaged hardware.