At a Glance

Insurance for online identity theft

Covers expenses resulting from a loss in income, legal consultation and action, IT and tech support, and immediate needs.

Coverage against cyber-bullying

Offers you financial support for trauma counselling, legal consultation and action, IT and tech support and immediate needs.

Dedicated hotline and expert assistance

Tech experts are on 24-hour standby to provide you with the required support. You’ll also have access to an appointed panel for legal advice, as well as specialists for counselling.

Don’t let online identity thieves, trolls and bullies spoil your fun. Protect yourself against the costly consequences of such online threats with this holistic insurance plan, underwritten by Chubb Insurance Hong Kong Limited.


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Features and Benefits

    Individual Plan (in HKD) Family Plan (in HKD)

Legal Expenses

Complimentary legal consultation (up to 1 hour)

Engaging legal advice from Chubb's appointed legal panel in respect of the incident

Applicable for Cyber-Bullying and/or Identity Theft

36,500 per policy year 91,250 per policy year


IT/Tech Support

24-hour IT/Tech hotline (up to 1 hour)

Qualified experts to resolve or minimise the extent of the incident

Applicable for Cyber-Bullying and/or Identity Theft

Complimentary Complimentary

Trauma Counselling Expenses

Complimentary initial counselling* session (up to 1 hour)

Further counselling* sessions provided by qualified specialists (up to policy limit)

Applicable for Cyber-Bullying only

*Counselling to be provided by a Doctor, a Registered Psychiatrist or a Registered Psychologist from Chubb's approved provider(s)

3,650 per policy year 9,125 per policy year

Loss of Income

Loss of personal income due to time taken off from work to restore and/or rectify records of your identity

Applicable for Identity Theft only

3,650 per policy year 9,125 per policy year

Additional Expenses

Reimbursement of approved expenses incurred as a result of the incident

Applicable for Cyber-Bullying and/or Identity Theft

3,650 per policy year 9,125 per policy year

Frequently Asked Questions

CyberOne is an innovative insurance product that provides professional assistance and support in the unfortunate event of cyber-bullying and/or online identity theft.

CyberOne offers coverage against 1) cyber-bullying, and 2) online identity theft.

Cyber-bullying is any act of harassment or intimidation, including defamation of character, invasion of privacy, or threats of violence, first committed against you online via an electronic device.

It is the theft of one’s personal data or documents containing references to one’s  (stored online or in an electronic device) by a third party without one’s consent for the purpose of obtaining goods, money or services.

Depending on the incident, it will provide you with access to one or more, as deemed appropriate, of the following services from Chubb's panel of providers:

  1. Legal consultation; and/or
  2. IT/Tech support; and/or
  3. Initial counselling session

Additionally, where appropriate and in accordance with the policy terms and conditions, you will be given access to legal advice and/or trauma counselling by Chubb's panel of providers, up to the policy limits.

You will also be reimbursed, up to the policy limits and where appropriate, for additional expenses incurred by you as a result of cyber-bullying and/or online identity theft, and any loss of income suffered by you when rectifying online identity theft.

Yes, the policy limits are shared between cyber-bullying and online identity theft.

No, the policy limits apply in aggregate. The maximum coverage provided for any benefit in a 12-month period is the limit stated in the policy schedule. Notwithstanding that there may be multiple events during the 12-month period, the maximum aggregated payment by your policy is the limit specified in your policy schedule.

You can pay annually, by credit card (Visa and MasterCard).

Yes, you can. CyberOne is offered as an individual policy or a family policy. Under a family policy, your spouse/partner, dependent children under 18 years of age and parents residing with you, will be covered.

CyberOne offer individual and family policies, the latter having higher policy limits.

Benefit limit is based on an annual basis. For an individual policy, benefit limit is applicable to the policyholder only; and for family policy, benefit limit is shared in aggregate between the policyholder, the spouse/partner, dependent children and parents of the policyholder.

To be eligible, applicants must be:

  1. Hong Kong residents; and
  2. 18 years old or above.

All dependent children under 18 years of age who permanently reside with you can be covered under the family policy.

Yes. All personal details and medical and/or legal reports obtained will be kept secure. For the purposes of assessing your claim, the legal or medical reports produced by Chubb's panel of providers will be provided to Chubb following their consultation with you.

Free look period is not applicable to this policy

This is a non-refundable policy, no refund for any cancellation of this policy.

No. CyberOne is available to Hong Kong residents only.

No. This is a personal cyber policy that covers you against incidents targeted at you. It does not cover any loss caused by a mass, coordinated effort by a domestic or international actor intending to affect a large number of software or hardware users or members of a class or group.


How to Make a Claim

You can call DBS Chubb Insurance Service Hotline at (852) 3191 6618 (Monday to Friday, 9am to 6pm, excluding public holidays) or email to for enquire of how to submit a claim.

Prior to contacting Chubb Assist to make a claim, you must report the cyber-bullying incident or online identity theft to the Hong Kong Police Force.

For additional expenses (except IT / Tech support) or loss of income claims, you can call DBS Chubb Insurance Service Hotline at (852) 3191 6618 (Monday to Friday, 9am to 6pm, excluding public holidays) or email to to request the claim form.

Upon receiving your claim and all supporting documentation, assessment will begin and can be finalised within 5-7 business days.

Once your claim is accepted, you will be reimbursed via cheque or bank transfer within the next 5-7 business days.

The above applies only to additional expense (except IT / Tech support) and loss of income claims.


Contact Us

For enquiry, please call DBS Chubb Insurance Service Hotline at (852) 3191 6618 (Monday to Friday, 9am to 6pm, excluding public holidays)


Important Notes

  1. The above insurance plans are underwritten by Chubb Insurance Hong Kong Limited ("Chubb"). Chubb reserves the right of final approval. DBS Bank (Hong Kong) Limited (the "Bank") is an insurance agent authorised by Chubb.
  2. DBS Chubb Insurance Service Hotline is a dedicated enquiry hotline for DBS customers serviced by Chubb.
  3. This policy will be automatically renewed upon the policy expiry date of each subsequent policy year unless written cancellation notice has been given to Chubb provided that premium is paid within thirty one (31) days of Renewal Date.
  4. The above information are the highlights of plan’s coverage only. For the plan's details, please refer to the terms and conditions and exclusions of the policy. In the event of any discrepancy between English and Chinese version, the English version shall prevail.
  5. In the event of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer; however any disputes over the contractual terms of the policy should be resolved directly between Chubb and the customer.

Under the “Insurance Ordinance”(Cap. 41), the Insurance Authority (IA) has started to collect the levy on insurance premiums from policyholders through insurance companies from 1 January 2018. For more details, please refer to :


Know more

Knowledge is protection too. These useful reads can help you learn, prepare and safeguard yourself against online threats.

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