Identity theft insurance, ya toh shakhsiyat churaai ki asalat par hone wale nuqsaanat ke khilaf asalat farahem karne wala ek qisam ka insurance hai. Yeh asalat ki surat mein hota hai jab koi shakhs shakhsiyati malumat, jese ke pata, tareekh-e-paidaish, ya Social Security number, chura leta hai, aam taur par kisi aur shakhs ki shakhsiyat ikhtiyaar karne ya churaye gaye data ko maali faida hasil karne ke iraday ke sath. Identity theft cybercrime ki wajah se hota hai.
Cybercrime ek jurm hai jo aksar computer, computer network, ya networked device ko nishana banata hai ya inka istemaal karta hai. Zyadatar cybercrime cybercriminals ya hackers dwara kiya jata hai jo paisa kamane ke iraday se hote hain. Identity theft coverage, aap ko identity theft se mukammal hifazati dene ke liye ek bima policy hasil karne ka mauka deta hai, jo aksar credit alerts aur account monitoring jese features ko shamil karti hai. Isme aam taur par $10,000 se $15,000 tak ki coverage hoti hai aur deductible $100 se $500 ke aas-pass hota hai. Yeh policies aapke identity aur credit ko durust karne ke doran aane wale kharchon ko cover karti hain, jese ke gumshuda muaawazat, wakil ke fees, aur notary aur certified mailing costs. Lekin, in policies mein aksar yeh shamil nahi hota ke identity theft ke waqiyat se mutalliq kisi asas ki nuqsaanat ka bhi muaawazat di jaye.
Identity theft insurance policies ka shumar $1 million tak bhi ho sakta hai, lekin aapko yeh samajhna zaroori hai ke yeh coverage kya chezein shamil karti hai. Kabhi-kabhi $1 million sirf ek “service guarantee” hota hai aur asal insurance amount $10,000 se $25,000 ke aas-pass rehta hai. Kuch policies aapko muaawazat nahi deti agar aapki nuqsaanat pehle se hi federal consumer protections, property insurance ya merchant dwara cover ki gayi hai. Identity theft ke kharch aksar kam hote hain, is liye aapko isko premium ke sath mawazna karna chahiye.
Aam taur par identity theft insurance mein shamil hone wale kuch aham coverage options hain:
- Lost Wallet Protection: Agar aap apna wallet khota hain toh isme aapki madad ki jati hai, jese ke credit aur debit cards ko cancel karna, replacements mangwana, aur naye driver’s license aur medical insurance cards hasil karne mein madad karna.
- Alert System: Aapko text, phone, ya email ke zariye avert milta hai ke aapki malumat ka istemaal hone wala hai. Iske saath-saath, aapko step-by-step guide bhi milta hai ke aap kaise is maslay ko hal kar sakte hain.
- Address Change Notification: Aapko is service ke zariye inform kiya jata hai agar aapki taraf se beghair ijazat ke address change request kiya gaya hai.
- Black Market Website Surveillance: Aapki shakhsiyat churaai gayi hai toh aapko is service ke zariye inform kiya jata hai agar aapki malumat underground websites par bechi ya trade ki gayi hai.
- Credit Monitoring: Aap apne credit score ko regular intervals par monitor kar sakte hain taake aapko maloom ho ke aapki maali malumat galat haathon mein nahi gayi.
- Credit Card, Checking, aur Savings Activity Alerts: Aapko cash withdrawals, balance transfers, aur large purchases ke liye notifications milte hain.
- Public Record Monitoring: Kuch memberships ke saath aap apne publicly available information ke liye quarterly reports receive kar sakte hain.
Kya identity theft insurance mere liye sahi hai, yeh aapke apne tawunat aur credit scores ko qareeb se nigrani rakhne mein mukhlis hain. Jo log apne accounts aur credit scores ko nazdeek se monitor karne mein dilchaspi lete hain aur fraud ya identity theft ko sirf itni hi nuqsaaniyat samajhte hain, unke liye kuch protection services zaroorat nahi ho sakti. Lekin doosri taraf, woh log jinhe pehle identity theft ka samna karna pada ho, unke liye insurance ya kisi bhi tawunati service ka kharch munaasib ho sakta hai.