Number of insured persons

The number of persons who will be included in the insurance policy and who will be compensated for fraud-related losses under the policy. Unless otherwise specified in the policy, your minor children are also insured.

Sum insured

Total amount of insurance claims.

Deductible

The amount of money that the insurer does not reimburse upon the occurrence of an insured event

Coverage

In what cases will we compensate you for losses?

1. What is insured?
   • Non-cash funds stored in a bank account, payment card or other financial transaction applications (hereinafter referred to as funds).
   • Your personal data.
2. What risks are insured?
   • Online shopping fraud – You have paid for goods or services in an online store that operates illegally for the purpose of fraud.
   • Investment fraud – You have transferred your funds to fraudsters who offer false investment opportunities and operate illegally for the purpose of fraud.
   • Bank account or payment card fraud – Fraudsters have accessed your bank account, financial application or payment card data and illegally transferred funds from them or paid for purchases in online stores.
   • Fake payment requests – You have transferred funds to fraudsters after receiving calls, emails, text messages or other electronic messages from them with a payment request that turned out to be fake. For example, a fake:
     • speeding ticket;
     • request to clear customs for an ordered item;
     • request to pay tax debt.
   • Identity theft – Fraudsters used:
     • your personal data to apply for loans in your name;
     • your digital accounts (emails, WhatsApp, etc.) to deceive other people or spread false information.
   • Charity fraud – You have donated funds to fundraisers who operate illegally for the purpose of fraud.