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 computer2.Cost of a new computer if some miscreant wilfully damages it, if proved so3.Cost of hiring a specialized consultant to minimize the loss in case of cyber extortion4.Cost of defence in the Court of Law if any third-party files a suitSelect the correct answer using the code given below:

1. A

   1, 2 and 4 only

   1, 2 and 4 only. A new computer after wilful damage is usually excluded; consultant/legal costs can be in.

2. B

   1, 3 and 4 only

   1, 3 and 4 only. Malware restoration, specialist consultant, and legal defence. Replacing a physically smashed PC is not a standard cyber cover.

3. C

   2 and 3 only

   2 and 3 only. Keeps the smashed-PC limb.

4. D

   1, 2, 3 and 4

   All four. Statement 2 fails.

Summary. Official key is (b) 1, 3 and 4 only. Individual cyber policies typically pay to restore systems after malware, hire incident help, and fund certain legal defence. They do not buy a new computer because someone smashed it.