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GS Paper IUPSC Prelims 2020
Health & Medicine
Question No. 70Interactive Test Mode
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Q70. 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 bełow:

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 bełow:
Select the correct option below (or cross out options to eliminate)
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Official Answer Key & Detailed Solution

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Official UPSC Answer KeyUPSC Prelims 2020 • Science and Technology

Correct Answer: Option (B) — 1, 3 and 4 only

Concept & Option Breakdown

Standard Reference Verified

Statement 1 is correct: Individual cyber insurance policies cover system restoration expenses to repair, restore, or reinstall operating systems and digital data affected by malware or cyberattacks.

Statement 2 is incorrect: Cyber insurance is designed specifically to cover intangible cyber/digital risks, data restoration, and financial liability. Physical hardware damage is covered under property or general contents insurance, not cyber insurance.

Statement 3 is correct: Cyber extortion coverage includes costs associated with hiring professional incident response teams, IT forensic specialists, or extortion negotiators to handle ransomware demands and minimize financial damage.

Statement 4 is correct: Legal defense costs incurred when defending against third-party civil liability suits alleging breach of personal data or privacy from cyber incidents are covered under standard individual cyber insurance policies.

Elimination Heuristic & Exam Approach

Cyber insurance covers digital, virtual, and legal liabilities resulting from online attacks. Physical breakage of a computer belongs to general property insurance. Eliminating Statement 2 eliminates (a), (c), and (d).

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Question Specifications & Syllabus Mapping

Examination & YearUPSC Civil Services Preliminary Examination 2020 (Q70)
Paper & Marking SchemeGS Paper I • 2 Marks (-0.66 Negative for incorrect response)
Syllabus Subject & TopicScience and Technology → Health & Medicine
Official Answer KeyOption (B) — 1, 3 and 4 only

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Frequently Asked Questions — UPSC Prelims 2020 Q70

What is the official answer for UPSC Prelims 2020 GS Paper I Question 70 (Science and Technology)?

The official UPSC answer key for this 2020 Science and Technology (Health & Medicine) question is Option (B): "1, 3 and 4 only". Correct attempts carry 2 Marks with -0.66 Negative penalty for wrong answers.

Which UPSC Prelims syllabus topic does this 2020 question belong to?

This question belongs to GS Paper I under the subject "Science and Technology" and micro-topic "Health & Medicine". You can explore all repeated questions from Health & Medicine in Acme AI's 3D Prelims PYQ Realm or practice 50 full-length and sectional tests in the APT Prelims Test Series.

How can I solve this Health & Medicine UPSC Prelims question using option elimination?

Cyber insurance covers digital, virtual, and legal liabilities resulting from online attacks. Physical breakage of a computer belongs to general property insurance. Eliminating Statement 2 eliminates (a), (c), and (d).

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