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. Cost of restoration of the computer system — Generally covered in individual cyber insurance as expenses for data/system restoration after malware or cyberattack. Verdict: Correct.

2. Cost of a new computer if wilfully damaged by a miscreant — Physical damage to hardware is usually covered under standard property/electronic equipment insurance, not under cyber insurance meant for digital risks. Verdict: Incorrect.

3. Cost of hiring a specialized consultant in case of cyber extortion — Cyber insurance commonly covers expert/consultant costs for cyber extortion response and loss minimization. Verdict: Correct.

4. Cost of defence in Court if a third party files a suit — Liability/legal defence costs are a standard component of many cyber insurance policies. Verdict: Correct.

Hence, 1, 3 and 4 only are generally covered.