Basic plan is no coverage at all.
Silver plan is you pay 40% extra upfront for the cyber, and weekly payments equal to 9% of the cyber. If the ware is lost before 30 days have passed, there is no recompense. If the ware is lost before 60 days have passed, you can choose on clone to buy the cyberware for 50% of base price with free installation. After 60 days, it's 90% off of base price with free installation.
Platinum plan is you pay 80% extra upfront for the cyber, and weekly payments equal to 5% of the cyber. If the ware is lost before 14 days have passed, there is no recompense. If the ware is lost before 30 days have passed, the ware is 50% off. Otherwise it's 90% off.
There's the ability to game the system, but I think if you're willing to commit fraud, there should be a reward. Additionally, every time you take up the insurance plan, the weekly payment should go up by 3% the base price of the cyber.