UPSC Prelims 2020 · GS Paper I
Question 60: Economy and Social Development
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 :
AnswerUPSC’s answer is (b).
Individual cyber insurance policies generally cover restoring the computer system after malware, the fee of a specialist consultant in cases of cyber extortion, and legal defence costs if a third party sues, in addition to loss of funds. Replacing a computer that someone deliberately damages is a matter for property or hardware cover, not generally for cyber insurance.
- 1. Restoration after malware is generally covered.
- 2. Replacement of a deliberately damaged computer is not usually covered by cyber cover.
- 3. A specialist consultant for cyber extortion is generally covered.
- 4. Legal defence costs against third-party suits are generally covered.
How you could have got this
- If you were sure statement 2 is not correct, (a), (c) and (d) go: each of them includes 2.
What you needed to know: Replacement of a deliberately damaged computer is not usually covered by cyber cover.
Only (b) is left. You didn’t need statements 1, 3 or 4.
Which options go is worked out from UPSC’s key and the options, not by a model.
Why each option is right or wrong
- (a) Wrong: includes the cost of a new computer, which is not usually covered.
- (b) Right: restoration, extortion consultant and legal defence.
- (c) Wrong: includes the new computer and leaves out restoration and legal defence.
- (d) Wrong: includes the new computer.
Answer: UPSC’s key. Explanation: written by UPSC Grade, not by UPSC.
Source: UPSC, Civil Services (Preliminary) Examination 2020, General Studies Paper I, Series A. The paper on upsc.gov.in.