It all depends on the particular setup of users and groups on the server, so there is no straight answer. It might not even be possible, still depending on the particular setup.
The problem is that you want to access the file yourself, you want the web-server to access the file as well, but you want to keep all the other users out.
If, as it is common, all normal users (including you) are members of a common group, you can set the following permissions
owner you - permissions rwx
group common-user-group - permissions ---
other - permissions r-x
This means you will get in as owner, all other members of the common group will be denied, but others, including the web-server, allowed.
To get a better answer, you have to give us more information.