Einiges unberechenbar: Bis zu welcher Höhe leistet eine Cyberversicherung?
Cyberversicherungen zahlen längst nicht unbegrenzt. Verbraucher müssen mit Sublimits, Selbstbeteiligung und anderen überraschenden Fallstricken rechnen - und diese verstehen.
Cyber insurance, a policy that provides protection against internet-related crimes, may not always be advisable for private individuals. Often, comprehensive home insurance, liability insurance, or private liability insurance can cover damages caused by viruses or identity theft. According to a Bitkom Research survey, only two percent of internet users in Germany had a standalone cyber insurance policy in 2025.
When a policy is in place, insurers typically limit their risk by setting a yearly or per-damage limit, known as Sublimits. Lukas Spohr, from the IT industry association Bitkom, explains that Sublimits are specific cost limits to reduce the insurer's risk, as cyber risks are diverse and difficult to assess. For private individuals, these limits typically range between 10,000 and 50,000 euros.
Damages might occur over time, and the costs of follow-up expenses, such as ransom demands or account losses, can be unpredictable. The frequency of claims is also hard to determine. Insurers often require a self-contribution to minimize the risk of abuse by policyholders. Typical insurance sums for private individuals, depending on the coverage and the type of risk insured against, range between 10,000 and 50,000 euros.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
