CyberSide – Your Personal Cyber Insurance

The risk of cyber threats is increasing, CyberSide – Your Personal Cyber Insurance provides protection against extortion, cyber fraud, and data breaches. Prevent and protect side-by-side against cyber threats. Apply now, let us safeguard your online security!

Apply now with promo code "CBS30" to enjoy 30% first-year premium discount. Offer ends on July 31, 2025. Terms and conditions apply.

Apply now
CyberSide Key Visual
CyberSide Key Visual

Why do you need Personal Cyber Insurance?

Most of us go online everyday and the cyber world has become an essential part of our life. However, criminals took advantage of this opportunity……

30%

more cyber incidents to the second half of 2023.

(HKCERT, 2024)

80%

of overall technology-related crimes are online frauds.

(LegCo, 2024)

27,314

online fraud cases reported in 2023.

(HKPF, 2024)

Therefore, you need CyberSide to provide you with protection against extortion, cyber fraud, and data breaches.

Why should you choose this plan?

Predict and Prevent - Complementary Zurich Cyber Security Services

Provides a wide range of security features, including global VPN servers, endpoint protection, anti-virus & malware protection* and Wi-Fi scanning. We ensure that your data is secure, your privacy is maintained, and you can freely access geographically-restricted content, expanding your online horizons. Click here for details.

Family Safety Net

Safeguards the online well-being of your loved ones and enjoy family discount together. With no age limit, this plan provides protection for elderly family member against ever-changing cyber risk and complimentary coverage for your minors1.

Cyber Fraud and Extortion Financial Reimbursement

Enjoys up to HKD 20,000 annual coverage for financial losses from fraudulent electronic communications, including social engineering, cyber-attack, and unauthorized credit card purchases. Losses arising from cyber extortion is also covered.

Data Recovery and System Restoration Coverage

Covers costs for investigating, and remediation following a cyber-attack (including data and system restoration), removal of malware, and related expenses.

All-Round Cyberbullying Expenses Coverage

Cover ongoing monitoring expenses and mental health counselling expenses that arise directly from a cyberbullying act, providing support to your minors1 without extra charge.

Legal Defence Costs and Costs for Injunction

Covers payments for legal defense costs and costs for injunctions incurred by the insured directly resulting from cyber fraud, identity theft, or a malicious cyber act.

Apply now

Table of Benefits

Benefit item Maximum coverage limit per incident
(HKD)

1. Cyber Fraud

Covering cyber fraud losses from hacking of personal accounts, credit/ debit cards, or digital wallets through malicious codes or programs received via SMS, downloads, or file transfers

 5,000

2. Social Engineering

Covering financial losses from money transfers by the insured, deceived by fraudulent requests from imposters claiming to be family members, vendors, or agent of an official body

  5,000

3. Cyber Extortion Threat

Supporting you in the time of cyber extortion, such as extortion payment in different forms

 20,000

4. Restoration

Reimbursing you the restoration cost, e.g. data or system recovery, arising directly from malicious cyber act

 10,000

5. Cyberbullying

Covering the ongoing monitor expenses and mental health counselling expenses which arise directly from a cyberbullying act

 10,000

6. Following-up Expenses for Identity Theft

Reimbursing the cost of reissuing related personal identity documents verifying the fraud

 10,000

7. Legal Defence Costs and Costs for Injunction

Covering the legal defence costs and costs for injunction arising directly from cyber fraud, identity theft or malicious cyber act

 20,000
Policy coverage limit per insured 20,000
Apply now

Case Studies

Illustrations of memo papers in blue.

Case Study 1: Cyber Fraud Protection - Unauthorized Use of Credit Cards

Background:
Sarah is a marketing executive who frequently works online. She enrolled in CyberSide plan to safeguard against potential cyber threats, particularly those targeting her profession. Her daughter, who is studying in the United Kingdom, is also covered under the same plan.

Incident:
One day, Sarah’s daughter noticed unauthorized charges on her supplementary credit card. These transactions were made by a third party without her consent. She immediately contacted her bank and the bank confirmed it was not liable for the charges.

Outcome:
With CyberSide, Sarah helped her daughter reported the incident to the police and submit a claim with the bank’s confirmation notice. She was reimbursed with the amount up to protection limit by the cyber fraud protection. This incident highlighted the importance of cyber protection.

Apply now

Frequently asked questions (FAQ)

Zurich Cyber Security Services aims at assisting individuals and families in anticipating and preventing potential scams and digital threats. Zurich Cyber Security App offers a wide range of security features, including secure VPN, endpoint protection, Android anti-virus and malware protection, and Wi-Fi network scanning, alongside cyber protection and emergency response services.
The Zurich Cyber Security Support provides advisory support to users concerning cyber incidents and app use. It operates from 9am to 5pm on weekdays (HKT), with support available in Cantonese and English. Additionally, call-back support is available 24/7 all year round in English. 
CyberSide is a specialized insurance policy designed to protect individuals against various cyber threats and incidents. CyberSide provides coverage for financial losses, legal expenses, and other costs associated with cyber-related events (such as cyber fraud, cyber-attack, and cyber extortion).
You can enroll CyberSide online through the designated website or OneZurich Customer Portal. Select the number of individuals you wish to cover and follow the instructions to complete the enrollment.
To file a claim, you need to provide relevant documents according to the types of claims, such as proof of incident or police reports, medical receipts and any other documentation specified in your policy. Detailed instructions on the claims process are available on our website and in your policy documents.

Learn more

1 Applicable to the insured's children under the age of 18. They can share the annual coverage amount of this protection item with their parent(s) insured

* for Android devices

  1. “2025 Personal Cyber Insurance Premium Discount Promotion” (“Promotion”) is provided by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) (“Zurich”).
  2. This Promotion is only applicable to selected Insurance Plan: CyberSide – Personal Cyber Insurance.
  3. Customers who apply for the above Insurance Plan(s) through Zurich website with designated promo codes (“Promo code”) from May 6, 2025 to July 31, 2025 (“Promotion Period”) with the policy successfully issued by Zurich and effective on or before July 31, 2025, will be eligible to enjoy 30% first-year premium discount. 
  4. Promo code is subject to a limited quota and is available on a first-come-first-served basis.
  5. If the customer is also entitled to other prevailing promotional offer(s) in respect of the same policy(ies), Zurich reserves the right to provide only one of such offers to the customer, at Zurich’s sole discretion.
  6. The date and time appearing in the records of Zurich shall be conclusive as to the date and time relevant to the Promotion Period. Zurich shall not be responsible for any interruption, delay, loss, error or unrecognized information in relation to the application process due to technical problems including any computer or network problems.
  7. Zurich reserves the right to alter or terminate the Promotion (in whole or in part) or amend the Promotion Terms and Conditions at any time without prior notice.
  8. In case of any disputes of the Promotion, the decision of Zurich shall be final and conclusive.
  9. The Promotion discount is non-exchangeable for other gifts, non-redeemable for cash, and no change will be given.
  10. In the event of any inconsistency between the Chinese and English versions of these terms and conditions, the English version shall prevail.

The insurance plan is underwritten by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability).

The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.