What this simplified model leaves out
Real cyber policies may use several deductibles, waiting periods, coinsurance, aggregates, defense-cost treatment, multiple sublimits, panel requirements, exclusions, definitions, other insurance, excess layers and jurisdiction-specific rules. The planner deliberately models only one category cap and one retention.
Not a coverage calculation: A displayed contribution is only the result of the arithmetic assumptions entered. It is not an insurer estimate, coverage opinion, claim valuation or promise of payment.