The mobile phone damage costing Aussies the most

"At the same time, cybercrime and scams continue to increase, leaving many Australians financially exposed.

"This is a cover that protects your phone and your digital life together, giving people real peace of mind when things go wrong.

"At Bupa, we're focused on putting customers first, and as more Australians use their phones to manage their health, we're adapting our products to better support and protect them."

Ms Young said while the new insurance product could help customers get back online faster, Australians should still take steps to safeguard their digital identity.

"Your digital ID is just as valuable as your wallet, so simple steps like using strong passwords, staying alert to scams and taking basic precautions can help protect yourself," she said.

"When it comes to your phone, simple steps like using a quality protective case and a screen protector can go a long way in preventing costly damage."

Unlike most phone insurance currently available in Australia, Bupa's cover is not tied to buying a new phone, does not lock customers into long contracts and can cover both new and existing phones, including accidental damage away from the home.

Customers can insure a single phone with cyber cover for $19.99 per month, or cover up to four phones under one household policy for $49.99 per month. Policies include protection against online fraud, with financial reimbursement for stolen funds and out of pocket expenses, alongside online preventative cyber care support services.

TOP MOBILE PHONE CLAIMS

1. Back glass damage
2. Display bleed / panel damage
3. Touch / screen unresponsive
4. Front screen crack
5. Device no power
6. Device bent / structural damage
7. Camera damage (crack, chip, fault)
8. Charging / USB port failure
9. Water damage