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.

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.

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.

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 dbscs.hk@chubb.com to request the claim form.