Charges & Financial Obligations · Company commitment
Identity theft recovery: reimbursement up to $1,000,000 for restoration expenses
The opening benefits summary says that victims of identity theft can be reimbursed for expenses they incur restoring their identity, up to $1,000,000, and lists credit bureau reports, replacement of documents, application fees, notaries and postage, and legal fees necessary to undo the negative effects of the identity theft among the eligible expenses. It points the reader to the Summary of Benefits that follows for details, so the headline list is a short description, not the full set of conditions.
Supporting quotations
Victims of an identity theft can get reimbursed for expenses incurred in the process of restoring their identity, up to $1,000,000. Eligible expenses include:
Credit bureau reports
Replacement of documents, application fees, notaries, postage
Legal fees necessary to undo the negative effects of the identity theft
Please review the following Summary of Benefits for additional details on your Identity Protection Benefits.
Qualifications & exceptions
The later definitions limit identity theft costs to reasonable and necessary costs incurred as a result of an identity theft event, and several exclusions, conditions and the coverage requirements (discovery during the policy period, report within 60 days) apply to every payment.
The Schedule shows the $1,000,000 Identity Theft Recovery limit for the Surfshark One+ insured program and also a $1,000,000 Member Annual Aggregate Limit.
Not stated here
This marketing-style summary does not state the deductible position, the reporting deadline or the exclusions; those appear only in the policy summary that follows.
Charges & Financial Obligations · Restriction or exception
Lost wages and care, counseling and miscellaneous costs have smaller caps
Within the identity theft recovery benefit, the opening summary caps lost wages and child or elder care at $5,000, mental health counseling at $1,000 and other miscellaneous expenses at $1,000. The detailed limits section says each of these caps is part of, and not in addition to, the overall Identity Theft Recovery limit, and that lost wages, care costs and counseling are covered only for costs incurred within 12 months after the Member first discovers the stolen identity event. Counseling must come from a licensed mental health professional who is not a relative of the Member.
Supporting quotations
Lost wages and child/elder care for time taken to address the identity theft (up to $5,000)
Mental health counseling (up to $1,000)
Other miscellaneous expenses (up to $1,000)
This sublimit is part of, and not in addition to, the Identity Theft Recovery Coverage Limit. Coverage is limited to wages lost and costs incurred within 12 months after the first discovery of the stolen identity event by the Member.
Coverage is limited to costs incurred within 12 months after the first discovery of the stolen identity event by the Member.
Such care must be provided by a professional care provider who is not a relative of the Member;
Qualifications & exceptions
The caps are shown here as dollar amounts; the detailed limits section refers to a sublimit "shown in the Schedule", and the Schedule for Surfshark One+ shows the same dollar amounts for these three categories.
Lost wages and the cost of child or elder care share one joint sublimit.
Charges & Financial Obligations · Company commitment
Schedule for Surfshark One+: included coverages and limits
For the insured program named Surfshark One+, the Schedule shows a Case Management Service of 12 months, an Identity Theft Recovery limit of $1,000,000, Legal Costs shown as "Included", lost wages and child and elder care at $5,000, mental health counseling at $1,000, miscellaneous unnamed costs at $1,000, and a Member Annual Aggregate Limit of $1,000,000. The Schedule is the listing of the insured program as defined by the policy summary.
Supporting quotations
Surfshark One+
Case Management Service | 12 months
Identity Theft Recovery | $1,000,000
Legal Costs | Included
Lost Wages and Child and Elder Care Expenses | $5,000
Mental Health Counseling | $1,000
Miscellaneous Unnamed Costs | $1,000
Member Annual Aggregate Limit | $1,000,000
Insured program means the package of products and/or services provided by the provider and shown under the Insured Programs section of the Schedule of this Summary of Benefits.
Qualifications & exceptions
The sublimits for legal costs, lost wages and care, counseling and miscellaneous costs sit inside, and do not add to, the Identity Theft Recovery limit.
The Member Annual Aggregate Limit caps all coverages together for one Member in a policy period.
Not stated here
The Case Management Service row appears under the heading "Coverage Aggregate Limits" but states a duration, not a dollar amount; the document does not explain that.
Legal Costs is shown as "Included" rather than a dollar sublimit, although the limits section refers to a sublimit "shown in the Schedule" for legal costs; no separate legal-costs amount is stated.
No Member Deductible row appears in the Schedule.
Charges & Financial Obligations · Restriction or exception
Cyber attack, extortion, online fraud, scams, cyberbullying, home title fraud and data breach are not included
The Schedule marks seven coverages as "Not Included" for Surfshark One+: cyber attack, cyber extortion, online fraud reimbursement, online scams, cyberbullying, home title fraud and data breach. The body of the policy summary still describes those coverages and their definitions, but the stolen identity event definition counts them only to the extent that the corresponding coverages are included in the insured program, so for this program they are not provided.
Supporting quotations
Cyber Attack | Not Included
Cyber Extortion | Not Included
Online Fraud Reimbursement | Not Included
Online Scams | Not Included
Cyberbullying | Not Included
Home Title Fraud | Not Included
Data Breach | Not Included
but only to the extent that such corresponding coverages are included in the insured program
Online scams means intentional and criminal deception of a Member, perpetrated partially or wholly through a computing device or connected home device, to induce the Member to:
Qualifications & exceptions
This reading applies to the Surfshark One+ insured program shown in this Schedule; the document does not show other programs.
Online scams is both a listed coverage and part of the fraud event definition.
Not stated here
The document does not say whether the text describing the not-included coverages is shared across programs or why it is printed in this summary.
Charges & Financial Obligations · Restriction or exception
Fraud costs are only the direct financial loss
Fraud costs are the amount fraudulently taken from a Member, which is the direct financial loss only. They do not include other expenses arising from the fraud event, indirect loss such as bodily injury, lost time, lost wages, identity recovery expenses or damaged reputation, interest or investment gain on the loss, or any part of the loss that has been or can reasonably be expected to be reimbursed by a third party such as a financial institution.
Supporting quotations
Fraud costs means the amount fraudulently taken from a Member. This is the direct financial loss only.
Other expenses that arise from the fraud event;
Indirect loss, such as bodily injury, lost time, lost wages, identity recovery expenses or damaged reputation;
Any interest, time value or potential investment gain on the amount of financial loss; or
Any portion of such amount that has been or can reasonably be expected to be reimbursed by a third party, such as a financial institution.
Qualifications & exceptions
These provisions serve coverages that the Schedule marks "Not Included" for Surfshark One+. Online Fraud Reimbursement is among them.
Identity recovery expenses are covered, if at all, under Identity Theft Recovery, not as fraud costs.
Charges & Financial Obligations · Context
A fraud event is a device-involved event causing direct financial loss
A fraud event is an identity theft event, unauthorized use of a card or account number issued to or registered in the Member's name when the Member is legally liable for that use, forgery or alteration of a check or negotiable instrument, acceptance in good faith of counterfeit currency, or an online scam, when the event is wholly or partly carried out through a computing device or connected home device and results in direct financial loss to the Member.
Supporting quotations
Fraud event means any of the following, when such event is wholly or partially perpetrated through a computing device or connected home device and results in direct financial loss to a Member:
A identity theft event;
The unauthorized use of a card, card number or account number associated with a bank account or credit account issued to or registered in a Member's name, when the Member is legally liable for such use;
The forgery or alteration of any check or negotiable instrument;
Acceptance in good faith of counterfeit currency; or
Online scams.
Computing device means a desktop, laptop or tablet computer or Wi-Fi router or other internet access point.
Connected home device means any electronic device, other than a computing device, that connects to the internet or to other electronic devices.
Identity theft event means the fraudulent use of social security number or other personally identifying information.
Online scams means intentional and criminal deception of a Member, perpetrated partially or wholly through a computing device or connected home device, to induce the Member to:
Qualifications & exceptions
These provisions serve coverages that the Schedule marks "Not Included" for Surfshark One+. Online Fraud Reimbursement and Online Scams are among them.
The identity theft recovery coverage that the Schedule includes pays identity theft costs, not the money lost.
Charges & Financial Obligations · Restriction or exception
Fraud event excludes coerced, related-party, authorized-user and listed dispute or gambling cases
A fraud event does not include occurrences where the Member is threatened or coerced to part with something of value (other than online scams); occurrences between the Member and another Member, a current or former spouse or domestic partner, or a grandparent, parent, sibling, child or grandchild; card or account use by a person who ever received authorization from a Member, or where the Member has not complied with the card or account terms; and losses arising from the Member's business or professional service, disputes over completeness, authenticity or value, gifts or charitable contributions, online auctions, lotteries, gambling or games of chance, and advance fee or similar fraud where money is given on the expectation of receiving more later.
Supporting quotations
Fraud event does not mean or include any occurrence:
In which a Member is threatened or coerced to part with something of value, other than online scams;
Between a Member and any of the following:
Any other Member;
A Member’s current or former spouse, common law spouse or domestic partner; or
A Member’s grandparent, parent, sibling, child or grandchild.
Involving use of a card, card number or account number associated with a bank account or credit account:
By a person who has ever received any authorization from a Member to use such card, card number or account number; or
If a Member has not complied with all terms and conditions under which such card, card number or account number was issued.
Arising from any of the following:
The business or professional service of a Member.
A dispute or a disagreement over the completeness, authenticity or value of a product, a service or a financial instrument.
A gift or charitable contribution to an individual or any legitimate organization.
An online auction or the use of an online auction site.
A lottery, gambling or a game of chance.
An advance fee fraud or other fraud in which a Member provides money based on an expectation of receiving at some future time a larger amount of money or something with a greater value than the money provided.
Qualifications & exceptions
These provisions serve coverages that the Schedule marks "Not Included" for Surfshark One+. Online Fraud Reimbursement is among them.
Charges & Financial Obligations · Restriction or exception
Future loss avoidance costs are limited to device improvements within 60 days and 10% of the cyber attack payment
Future loss avoidance costs are amounts a Member spends to improve a computing device or connected home device, if incurred within 60 days after discovery of a cyber attack event and the insurer agrees in writing that the improvements would reasonably reduce the likelihood of a similar attack (the insurer will not unreasonably withhold agreement). Improvements may include hardware and software upgrades; for subscription services the insurer pays only the first 12 months. The most payable for any one cyber attack event is 10% of the insurer's Eligible Payment under the Cyber Attack coverage, before any payment under this coverage, excluding any deductible; a payment for hardware replacement or upgrades under the system restoration costs definition reduces what is payable.
Supporting quotations
Future loss avoidance costs means the amount spent by a Member to make improvements to a computing device or connected home device, provided:
Such future loss avoidance costs are incurred within 60 days after the discovery of the cyber attack event; and
We agree in writing that improvements to which future loss avoidance costs relate would reasonably reduce the likelihood of a future cyber attack event similar to the one for which the Member has received payment under coverage B.2.c. Cyber Attack. We will not unreasonably withhold such agreement.
Improvements involving services subject to lease, license or subscription may have costs that are ongoing. In such case, the most we will pay are costs associated with the first 12 months of any such service, subject to the amount described in paragraph c. below.
The most we will pay for all future loss avoidance costs with respect to any one cyber attack event is 10% of our Eligible Payment to the Member prior to any payment under this Future Loss Avoidance coverage.
Eligible Payment means our total payment to the Member under coverage B.2.c. Cyber Attack, not including any deductible amount.
Cyber attack event means one of the following involving a computing device or connected home device:
Any payment made for hardware replacement or hardware upgrades as described under A. DEFINITIONS, 33. System restoration costs, item b.(1) below reduces the amount we will pay for future loss avoidance costs.
Qualifications & exceptions
These provisions serve coverages that the Schedule marks "Not Included" for Surfshark One+. Cyber Attack is among them.
Charges & Financial Obligations · Context
Home title fraud costs cover recovering title wrongfully transferred away from a Member
Home title fraud costs are fees and expenses of an attorney approved by the insurer for recovering title to real property wrongfully or fraudulently transferred from a Member, and other reasonable costs necessarily incurred in recovering that title, including court filing and title recording fees. A home title fraud event is an identity theft event that results in the wrongful or fraudulent transfer of title to real property from a Member.
Supporting quotations
Home title fraud costs means:
Fees and expenses for an attorney approved by us for the recovery of title to real property wrongfully or fraudulently transferred from a Member; and
Any other reasonable costs necessarily incurred by a Member in the course of recovering such title, including court filing and title recording fees.
Home title fraud event means an identity theft event resulting in the wrongful or fraudulent transfer of title to real property from a Member.
Qualifications & exceptions
These provisions serve coverages that the Schedule marks "Not Included" for Surfshark One+. Home Title Fraud is among them. Identity theft costs also exclude home title fraud costs.
Charges & Financial Obligations · Company commitment
Identity theft costs: re-filing, postage and notary, and credit report costs
Identity theft costs are the reasonable and necessary costs a Member incurs as a result of an identity theft event. The first items are costs of re-filing applications for loans, grants or other credit instruments that were rejected solely because of the identity theft event, costs for long distance telephone calls, postage and notarizing documents, and costs for credit reports from established credit bureaus.
Supporting quotations
Identity theft costs means the following when they are reasonable and necessary costs that are incurred by a Member as a result of a identity theft event:
Costs for re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a identity theft event;
Costs for long distance telephone calls, postage and notarizing documents;
Costs for credit reports from established credit bureaus;
Qualifications & exceptions
This is part of the Identity Theft Recovery coverage that the Schedule includes for Surfshark One+, with a $1,000,000 limit. Costs must be reasonable and necessary and caused by an identity theft event, and the coverage requirements, exclusions and conditions apply.
Costs restricted or excluded elsewhere in the policy are not covered.
Charges & Financial Obligations · Company commitment
Identity theft costs: employer-documented lost wages, with exclusions
Identity theft costs include lost wages or salaried earnings for employer-documented time the Member necessarily took away from work to carry out the activities in items a through d, to meet with law enforcement, government agencies, credit agencies, creditors or businesses, or to otherwise recover control over the stolen identity. They do not include wages for sick days, time away from self-employment, or time taken for tasks that could reasonably have been done outside working hours.
Supporting quotations
Lost wages or salaries earnings for employer-documented time necessarily taken away from work:
For the activities described in a. through d. above;
To meet with law enforcement authorities, governmental agencies, credit agencies or individual creditors and businesses; or
To otherwise recover control over the stolen personal identity.
This does not include wages or salaried earnings for sick days, time taken away from self-employment or time taken away for tasks that could reasonably have been done during non-working hours.
Qualifications & exceptions
Lost wages and care costs share a joint sublimit (shown as $5,000 in the Schedule) that is part of the Identity Theft Recovery limit, and cover only wages lost within 12 months after the Member first discovers the stolen identity event.
Charges & Financial Obligations · Company commitment
Identity theft costs: dependent supervision and mental health counseling by non-relative professionals
Identity theft costs include the cost of supervising children or elderly or infirm relatives or dependents of the Member while the Member is away from that supervision, and the cost of counseling from a licensed mental health professional. In both cases the care must be provided by a professional care provider who is not a relative of the Member.
Supporting quotations
Costs of supervision of children or elderly or infirm relatives or dependents of a Member during time taken away from such supervision. Such care must be provided by a professional care provider who is not a relative of the Member;
Costs for counseling from a licensed mental health professional. Such care must be provided by a professional care provider who is not a relative of the Member;
Qualifications & exceptions
Dependent supervision shares the joint $5,000 lost wages and care sublimit; counseling has its own $1,000 sublimit in the Schedule. Both are part of the Identity Theft Recovery limit and limited to costs within 12 months after the first discovery of the stolen identity event.
Charges & Financial Obligations · Restriction or exception
Identity theft costs: other direct costs, with what is not included
Identity theft costs include any other reasonable costs the Member necessarily incurs as a direct result of the identity theft event, including the Member's costs to recover control over personal identity, deductibles or service fees from financial institutions, and court filing and title recording fees. They do not include costs to avoid, prevent or detect an identity theft event or other loss, money lost or stolen, costs restricted or excluded elsewhere in the policy, or home title fraud costs.
Supporting quotations
Any other reasonable costs necessarily incurred by a Member as a direct result of the identity theft event.
Such costs include:
Costs by the Member to recover control over his or her personal identity.
Deductibles or service fees from financial institutions.
Court filing and title recording fees.
Such costs do not include:
Costs to avoid, prevent or detect a identity theft event or other loss.
Money lost or stolen.
Costs that are restricted or excluded elsewhere in the policy.
Home title fraud costs.
Home title fraud costs means:
Qualifications & exceptions
This is the miscellaneous category the Schedule shows as Miscellaneous Unnamed Costs at $1,000, part of the Identity Theft Recovery limit, limited to costs incurred within 12 months after the first discovery of the stolen identity event.
Because money lost or stolen is excluded, the coverage reimburses recovery costs, not stolen funds.
Charges & Financial Obligations · Context
Online scams are deception through a device that induces disclosing credentials or voluntarily parting with money
Online scams are intentional and criminal deception of a Member, carried out wholly or partly through a computing device or connected home device, that induces the Member to disclose login credentials resulting in a financial loss of money, securities, cryptocurrency or tangible property, or to voluntarily part with money, securities, cryptocurrency or tangible property.
Supporting quotations
Online scams means intentional and criminal deception of a Member, perpetrated partially or wholly through a computing device or connected home device, to induce the Member to:
Disclose login credentials that results in a financial loss of money, securities, cryptocurrency or tangible property; or
Part voluntarily with money, securities, cryptocurrency or tangible property.
Qualifications & exceptions
Online Scams is marked "Not Included" for Surfshark One+ in the Schedule.
Charges & Financial Obligations · Restriction or exception
Utility bill overage expenses cover documented extra usage caused by cryptojacking
Utility bill overage expenses are additional expenses a Member incurs to operate the home above what would normally have been incurred in the same period without a cryptojacking event, if the utility provider billed them by written invoices reflecting the extra usage. They do not include expenses incurred before the policy period, or charged at a flat or fixed fee that does not vary with usage. A utility provider is an electrical, internet, natural gas or oil service provider.
Supporting quotations
Utility bill overage expenses means additional expenses incurred by a Member to operate their home over and above the cost that normally would have incurred to operate their home during the same period had no cryptojacking event occurred, provided that such additional expenses are billed to the Member by the Utility Provider via written invoices that reflect the additional utility usage or consumption.
Incurred prior to the policy period for which the policy is applicable; or
Charged at a flat or fixed fee that does not fluctuate with usage.
As used in this definition, Utility Provider means an electrical, internet, natural gas or oil service provider.
Qualifications & exceptions
This serves the Cryptojacking part of Cyber Attack coverage, which the Schedule marks "Not Included" for Surfshark One+.
Charges & Financial Obligations · Company commitment
Identity Theft Recovery pays reasonable and necessary identity theft costs
If the coverage requirements are met and there has been an identity theft event as a direct result of the stolen identity event, the insurer pays the Member's reasonable and necessary identity theft costs, as defined in the definitions section.
Supporting quotations
If all of the conditions listed above in 1. COVERAGE REQUIREMENTS have been met, then we will provide the Member the following coverages for loss directly arising from such stolen identity event.
Identity Theft Recovery
If there has been an identity theft event as a direct result of such stolen identity event, then we will pay the Member's reasonable and necessary identity theft costs.
Identity theft costs means the following when they are reasonable and necessary costs that are incurred by a Member as a result of a identity theft event:
Identity theft event means the fraudulent use of social security number or other personally identifying information.
Qualifications & exceptions
The Schedule shows a $1,000,000 Identity Theft Recovery limit for Surfshark One+, with sublimits for lost wages and care, counseling and miscellaneous costs; the Member Annual Aggregate Limit also applies; this coverage is not subject to a deductible.
Charges & Financial Obligations · Company commitment
Online Fraud Reimbursement pays necessary and reasonable fraud costs
If a fraud event, carried out wholly or partly through a computing device or connected home device, happens as a direct result of a stolen identity event, the policy summary describes payment of the Member's necessary and reasonable fraud costs, meaning the direct financial loss only. This coverage is marked "Not Included" for Surfshark One+ in the Schedule.
Supporting quotations
Online Fraud Reimbursement
If there has been a fraud event that is wholly or partially perpetrated through a computing device or connected home device as a direct result of such stolen identity event, then we will pay the Member's necessary and reasonable fraud costs.
Fraud costs means the amount fraudulently taken from a Member. This is the direct financial loss only.
Fraud event means any of the following, when such event is wholly or partially perpetrated through a computing device or connected home device and results in direct financial loss to a Member:
Qualifications & exceptions
This coverage is marked "Not Included" for Surfshark One+ in the Schedule. The limits section describes a separate sublimit for online scams inside the Online Fraud Reimbursement limit.
Charges & Financial Obligations · Company commitment
Home Title Fraud coverage pays reasonable and necessary home title fraud costs
If a home title fraud event happens as a direct result of a stolen identity event, the policy summary describes payment of the Member's reasonable and necessary home title fraud costs. This coverage is marked "Not Included" for Surfshark One+ in the Schedule.
Supporting quotations
Home Title Fraud
If there has been a home title fraud event as a direct result of such stolen identity event, then we will pay the Member’s reasonable and necessary home title fraud costs.
Home title fraud costs means:
Home title fraud event means an identity theft event resulting in the wrongful or fraudulent transfer of title to real property from a Member.
Qualifications & exceptions
This coverage is marked "Not Included" for Surfshark One+ in the Schedule. Identity theft costs under the included Identity Theft Recovery coverage also exclude home title fraud costs.
Charges & Financial Obligations · Restriction or exception
Member Annual Aggregate Limit caps all coverages for a policy period
The Member Annual Aggregate Limit shown in the Schedule is the most the insurer will pay for all loss, damage or expense for any one Member during any one policy period, across all coverages. If the insured program includes family coverage, it is the most for all Members associated with one primary member. It applies to the total of all loss arising from all stolen identity events discovered during that policy period. The Schedule shows $1,000,000 for Surfshark One+.
Supporting quotations
The Member Annual Aggregate Limit shown in the Schedule of this Summary of Benefits under the applicable insured program is the most we will pay for all loss, damage or expense for any one Member arising during any one policy period for all coverages provided by the policy.
If the insured program includes coverage for family Members, then the Member Annual Aggregate Limit is the most we will pay for all loss, damage or expense for all Members associated with any one primary member for all coverages provided by the policy.
This limit shall apply to the total of all loss, damage or expense arising from all stolen identity events discovered during such policy period.
Such stolen identity event is first discovered by the Member during the policy period for which the policy is applicable; and
Insured program means the package of products and/or services provided by the provider and shown under the Insured Programs section of the Schedule of this Summary of Benefits.
Qualifications & exceptions
The Schedule shows no family coverage for Surfshark One+, so the family wording does not appear to apply to this program.
Not stated here
The document does not state the length or dates of the policy period.
Charges & Financial Obligations · Restriction or exception
Each coverage has its own aggregate limit; occurrences spanning periods fall under the first period's limit
The Coverage Aggregate Limit for each coverage shown in the Schedule is the most the insurer will pay for all loss for any one Member in one policy period for that coverage, and for all Members associated with one primary member if the program includes family coverage. It applies to the total of all loss from stolen identity events discovered in that policy period. If any occurrence causes loss in more than one policy period, all of it is subject to the Member Annual Aggregate Limit of the first policy period in which the occurrence was discovered.
Supporting quotations
The Coverage Aggregate Limit for each coverage shown in the Schedule of this Summary of Benefits under the applicable insured program is the most we will pay for all loss, damage or expense for any one Member arising during any one policy period for such coverage.
If the insured program includes coverage for family members, then the Coverage Aggregate Limit is the most we will pay for all loss, damage or expense for all Members associated with any one primary member for such coverage.
If any occurrence causes loss, damage or expense in more than one policy period, all such loss, damage and expense will be subject to the Member Annual Aggregate Limit of the first policy period in which the occurrence was discovered.
Occurrence means all stolen identity events, cyber attack events, cyberbullying event, cyber extortion events, data breach events, fraud events, home title fraud events or identity theft events that:
Qualifications & exceptions
For Surfshark One+ the Schedule shows the Identity Theft Recovery limit as $1,000,000 and the Case Management Service as a 12-month duration, not a dollar limit.
Charges & Financial Obligations · Restriction or exception
Legal, lost wages and care, counseling and miscellaneous sublimits sit inside the Identity Theft Recovery limit
Four sublimits shown in the Schedule apply within Identity Theft Recovery: legal costs; lost wages and child and elder care (jointly); mental health counseling; and miscellaneous unnamed costs. Each is part of, and not in addition to, the Identity Theft Recovery limit. Lost wages and care costs must be wages lost or costs incurred within 12 months after the Member first discovers the stolen identity event, and the counseling and miscellaneous costs must also be incurred within those 12 months. The legal costs paragraph states no 12-month limit.
Supporting quotations
The Legal Costs as provided under item d. of the definition of identity theft costs are subject to the sublimit shown in the Schedule of this Summary of Benefits. This sublimit is part of, and not in addition to, the Identity Theft Recovery Coverage Limit.
Item e. (Lost Wages) and item f. (Child and Elder Care Expenses) of the definition of identity theft costs are jointly subject to the sublimit shown in the Schedule of this Summary of Benefits. This sublimit is part of, and not in addition to, the Identity Theft Recovery Coverage Limit. Coverage is limited to wages lost and costs incurred within 12 months after the first discovery of the stolen identity event by the Member.
Item g. (Mental Health Counseling) of the definition of identity theft costs is subject to the sublimit shown in the Schedule of this Summary of Benefits. This sublimit is part of, and not in addition to, the Identity Theft Recovery Coverage Limit. Coverage is limited to costs incurred within 12 months after the first discovery of the stolen identity event by the Member.
Item h. (Miscellaneous Unnamed Costs) of the definition of identity theft costs is subject to the sublimit shown in the Schedule of this Summary of Benefits. This sublimit is part of, and not in addition to, the Identity Theft Recovery Coverage Limit. Coverage is limited to costs incurred within 12 months after the first discovery of the stolen identity event by the Member.
Identity theft costs means the following when they are reasonable and necessary costs that are incurred by a Member as a result of a identity theft event:
Qualifications & exceptions
The Schedule shows $5,000 for lost wages and child and elder care, $1,000 for counseling and $1,000 for miscellaneous costs; for legal costs it shows "Included" with no dollar amount.
Not stated here
No separate dollar sublimit for legal costs is shown in the Schedule, so the effective legal costs cap is not stated apart from the overall Identity Theft Recovery limit.
contrast (model-proposed): Schedule for Surfshark One+: included coverages and limits — contrast: The limits section says legal costs are subject to a sublimit "shown in the Schedule", but the Schedule shows Legal Costs only as "Included" with no amount.
Charges & Financial Obligations · Restriction or exception
Online scam fraud costs have a sublimit inside Online Fraud Reimbursement
Fraud costs resulting from online scams are subject to a sublimit shown in the Schedule, which is part of, and not in addition to, the Online Fraud Reimbursement limit. Online Fraud Reimbursement and Online Scams are marked "Not Included" for Surfshark One+.
Supporting quotations
Fraud costs resulting from Item a.(5). (online scams) of the definition of fraud event is subject to the sublimit shown in the Schedule of this Summary of Benefits. This sublimit is part of, and not in addition to, the Online Fraud Reimbursement Coverage Limit.
Online scams means intentional and criminal deception of a Member, perpetrated partially or wholly through a computing device or connected home device, to induce the Member to:
Qualifications & exceptions
The Schedule marks the related coverages "Not Included" for Surfshark One+.
Charges & Financial Obligations · Restriction or exception
Insurer pays only the part above the Member Deductible; case management and identity theft recovery have none
The insurer pays only the part of the total payable loss that exceeds the Member Deductible shown in the Schedule, up to the applicable limits, and the Member is responsible for the deductible if one is shown. The Case Management Service and Identity Theft Recovery coverages are not subject to a deductible.
Supporting quotations
We will pay only that part of the total payable loss that exceeds the Member Deductible shown in the Schedule of this Summary of Benefits under the applicable insured program, subject to the applicable limits shown in the Schedule of this Summary of Benefits.
The Member will be responsible for the applicable Member Deductible under the applicable insured program, if shown in the Schedule of this Summary of Benefits.
Case Management Service and Identity Theft Recovery coverages are not subject to a deductible.
Qualifications & exceptions
The Schedule for Surfshark One+ shows no deductible row, and the only coverages it includes are Case Management Service and Identity Theft Recovery, which are not subject to a deductible.
Charges & Financial Obligations · Restriction or exception
The policy is excess over other insurance, warranties and service contracts
The insurer will be excess over any other insurance (including cyber insurance), product warranty, extended services agreement or contract. The policy is specifically excess of any cyber insurance policy the Member carries and of any other insurance the Member has that applies to a loss under the policy.
Supporting quotations
We shall be excess over any other insurance (including, without limitation, cyber insurance), product warranty, extended services agreement or contract. The policy is specifically excess of any cyber insurance policy carried by the Member, in addition to any other insurance carried by the Member that applies to a loss under the policy.
Qualifications & exceptions
These conditions apply to all coverages under the policy, including the Identity Theft Recovery and Case Management Service coverages that the Schedule includes for Surfshark One+.
Not stated here
The document does not say how the insurer coordinates payment with other coverage in practice or what a Member must show about other insurance.
Charges & Financial Obligations · Restriction or exception
Premium rates are fixed until renewal, with narrow exceptions, and invoiced to the provider
The premium shown in the Declarations was computed on rates in effect when the policy was issued. Other than a documented and verifiable change in applicable insurance premium taxes or in legal or regulatory requirements that requires a change in rates, the insurer will modify rates only on the renewal effective date. Premium is calculated under the reporting and rates shown in the Declarations, prorated over the Reporting Period, and the insurer issues a premium invoice to the provider within ten business days after receiving the report.
Supporting quotations
The premium shown in the Declarations of the policy was computed based on rates in effect at the time the policy was issued. Other than documented and verifiable change in applicable insurance premium taxes or legal or regulatory requirements requiring a change in the rates, we will only modify rates on the renewal effective date of the policy.
Premium will be calculated in accordance with the reporting and the rates shown in the Declarations of the policy, prorated based on the Reporting Period shown in the Declarations of the policy. We will issue a premium invoice to the provider within ten (10) business days of receipt of such reporting.
Qualifications & exceptions
These conditions apply to all coverages under the policy, including the Identity Theft Recovery and Case Management Service coverages that the Schedule includes for Surfshark One+.
The premium is charged to the provider, not to Members.
Not stated here
The Declarations (rates, Reporting Period) are not part of this document.