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 computer
2. Cost of a new computer if some miscreant wilfully damages it, if proved so
3. Cost of hiring a specialized consultant to minimize the loss in case of cyber extortion
4. Cost of defence in the Court of Law if any third party files a suit Select the correct answer using the code given below:

Cyber Insurance is designed to protect businesses and individuals from the potential financial and legal repercussions of cyber-attacks and data breaches.

Cyber insurance policies in India generally cover:

• Identity theft
• Cyber-bullying and cyber-stalking
• Cyber extortion (including the cost of consultants to minimize loss)
• Malware intrusion (including the cost of restoration)
• Financial loss due to unauthorized and fraudulent use of bank accounts, credit cards, and mobile wallets
• Legal expenses arising out of covered risks, including the cost of defence in court.
• Social Media Cover
• Phishing Cover
• E-mail Spoofing
• Media Liability Claims Cover
• Cyber Extortion Cover
• Privacy Breach and Data Breach by Third Party

The cost of a new computer due to willful damage is generally not covered under standard cyber insurance policies. It might be covered under separate home insurance policies with specific clauses.

Therefore, options 1, 3, and 4 are typically covered. Hence, option b is the correct answer.