Cyber Insurance & Digital Fraud Recovery for India
Kavach One stops most scams in seconds. For the ones that get through, DigiKavach connects you to cyber insurance cover built for India's digital-fraud reality — with your Kavach One case file doing the claims paperwork for you.
Kavach One's case file becomes your claim evidence the instant an incident happens.
We refer you to a cyber-insurance plan suited to your profile.
Pre-packaged evidence means less back-and-forth with the insurer.
Most insurance in India wasn't built for this kind of fraud.
Standalone cyber insurance is still new in India, and most existing policies — health, home, even some banking add-ons — simply don't cover money lost to a scam call, a fake QR code, or a social-engineering script. The few that do often reject claims for a simple reason: by the time the victim gets around to filing one, the FIR, the bank correspondence, and the transaction trail are scattered, late, or missing entirely.
DigiKavach closes that gap from both ends — Kavach One builds the evidence the moment the incident happens, and our insurance partner uses it to move your claim forward instead of stalling on paperwork.
From detection to compensation, in one thread.
Detect & Document
The instant an incident happens, Kavach One's case file — FIR draft, freeze letter, and transaction trail — becomes your claim evidence automatically.
Connect
We refer you to a cyber-insurance plan suited to your profile through our IRDAI-licensed insurance distribution partner.
Claim, Faster
Pre-packaged evidence means less back-and-forth with the insurer's claims desk and a clearer path to a decision.
Cover for every profile.
Individual Cyber Cover
- Sum insured up to ₹[X] lakh
- Social-engineering and OTP-fraud cover
- DigiKavach case file submitted with claim
Family Cyber Shield
- Covers up to 5 family members
- Digital Arrest & courier-scam cover for seniors
- Dedicated claims support
SME Cyber Liability
- Cover for breach, ransomware, and liability
- Employee Awareness Program credits included
- Incident-response coordination with DigiKavach
Enterprise Cyber Risk Program
- DFIR forensics retainer included
- Regulatory-breach response support
- Dedicated enterprise claims desk
How we're involved — and what's not on us.
Frequently Asked Questions
Does buying insurance replace Kavach One's free protection?
No. Kavach One's detection and emergency response stay free forever. Cyber Insurance is a separate, optional cover for the financial loss that happens despite prevention.
Will DigiKavach handle my claim for me?
We help compile and submit the evidence your insurer needs and connect you to our insurance partner's claims desk. The claim decision itself rests solely with the insurer.
Is Cyber Insurance only available to Pro or Enterprise subscribers?
No — it's available to anyone. Pro, SME, and Enterprise subscribers get their Kavach One case file handed off to the claim automatically; Free-tier users can still apply and submit evidence manually.
What's typically not covered?
Standard exclusions apply, including losses from undisclosed prior fraud, gambling-related losses, and willful disclosure of OTPs or credentials after a verified warning. Full exclusions are listed in the policy wording shared at the time of purchase.