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:

Option (b) is correct because cyber insurance for individuals covers digital and intangible losses such as system restoration costs after malware attacks, expert consultation for cyber extortion, and legal defense against third-party suits. Statement 2 is incorrect because cyber insurance specifically excludes physical damage to hardware or the cost of replacing a computer, which is typically covered under standard property insurance. The core concept tested is the functional scope of cyber insurance, which focuses on data protection, liability, and digital recovery rather than physical asset protection.