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:

1. Statement 1 is correct. Cyber insurance policies for individuals often cover the cost of restoration of the computer system, including data recovery and software reinstallation, following an attack by malware or other cyber incidents that disrupt access. 2. Statement 2 is incorrect. Cyber insurance typically covers losses related to cyber events (data breaches, hacking, malware). Physical damage to hardware, even if wilfully caused by a miscreant, is usually excluded and falls under property insurance. 3. Statement 3 is correct. Incidents like ransomware or cyber extortion may require expert assistance. Cyber insurance policies often cover the cost of hiring a specialized consultant to manage the crisis, negotiate, and minimize the loss. 4. Statement 4 is correct. If a cyber incident originating from the insured individual's system causes harm to a third party (e.g., spreading a virus, data leak), that third party might file a suit. Cyber insurance policies often include liability coverage, which covers the cost of defence in the Court of Law. 5. Therefore, the benefits generally covered include 1, 3, and 4.