Cyber Insurance
Protect your digital life and SME business from unexpected cyber threats, financial loss, and online liability.
What is Cyber Insurance and Why is it Necessary?
Cyber Insurance (or Cyber Liability Insurance) is a policy specifically designed to cover financial damages and costs associated with cyber incidents. These incidents may include data theft, cyberbullying, or fraud resulting from online transactions.
The Necessity of Having It
In this digital age, where most of our daily lives are connected to the internet, the risk of facing cyber threats has increased accordingly. Having Cyber Insurance is necessary to:
1. Mitigate Financial Loss
Protect against situations like money being stolen from your accounts or demands for ransom.
2. Protect Reputation and Psychological Harm
Offer protection from damages caused by cyberbullying or online harassment.
3. Lessen the Financial Burden
Reduce costs associated with legal proceedings or managing cyber emergencies.
Who Should Have This Coverage?
This product is suitable for anyone who is active online, especially the following individuals:
- Regular Online Transactors: Those who use mobile banking, make online payments, or invest through digital channels.
- Online Shoppers: Individuals who purchase goods and make payments through various e-commerce platforms.
- Online Sellers: People who conduct commerce and receive/send goods over the internet.
- Social Media Users: Individuals at risk of being bullied or harassed online.
Key Product Highlights
Confidence (Peace of Mind)
Suitable for all types of online transactors, whether buying or selling goods online.
Value for Money (Affordability)
Three plans available to suit various needs, with premiums starting from just 200 Baht (inclusive of stamp duty and VAT).
Coverage Details
The coverage encompasses damages arising from the following cyber threats:
1. Theft of Funds via the Internet (Theft of Funds)
Covers financial losses incurred and legal expenses arising from personal data theft or phishing attacks conducted over the internet.
2. Internet Extortion (Cyber Extortion)
Covers ransom money lost and necessary expenses to resolve the situation resulting from a cyber extortion incident.
3. Internet Bullying (Cyber Bullying)
Covers legal defense costs and psychological treatment expenses incurred due to reputational damage caused by cyberbullying.
4. Online Shopping (Online Shopping)
Covers cases where the insured is deceived into buying goods and paid, but the seller fails to deliver within 30 days.
5. Online Sales (Online Sales)
Covers cases where the insured is deceived into selling goods and delivered them, but payment is not received within 30 days. (Available with Plan 3)
Terms and Conditions of Coverage
Please note the following conditions for obtaining this insurance policy:
- Age Eligibility: Coverage is available for individuals aged 15 to 100 years.
- Nationality & Residence: For Thai nationals who are residents of Thailand.
- Policy Limit: The insured person may purchase only one policy per individual.
- Policy Duration: The insurance plan provides coverage for a period of one year.
Insurance Partners You Can Trust
We collaborate with Thailand's leading insurance carriers to deliver optimal cyber protection for your peace of mind.
Get Your Personal or Business Cyber Insurance Quote
Consult with Pacific Care's advisors to secure comprehensive online transaction, data theft, and extortion protection starting from just 200 Baht/year.
Request Cyber Quote