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HDFC ERGO Beyond Borders is an overseas travel insurance product with geographical scopes and benefit conditions set out in its policy wording and certificate of insurance. The published wording describes geographical options including Asia excluding Japan, worldwide, worldwide excluding the USA and Canada, Europe including Schengen, and other specific scopes where stated in the certificate. Policy wording also discusses single-trip, annual multi-trip and student travel policies. The actual policy type, sum insured, benefits and period of cover must be verified from the quote and issued certificate. Coverage within India is not provided for single-trip, annual multi-trip and student travel policies unless expressly stated in the applicable terms.
Overseas travel protection with geographical options defined in the policy wording.
Beyond Borders should be evaluated against the traveller's destination, journey dates and required protection. The policy wording makes the geographical scope on the certificate important: a benefit is payable only when the event occurs within the applicable geographical scope, unless a specific benefit says otherwise. Single-trip and annual multi-trip policies also differ in how sums insured operate after a claim. Before purchasing, confirm the currently available policy type, emergency medical limits, deductibles, sub-limits, travel inconvenience benefits and exclusions. The premium should be taken from a current quote rather than estimated from another HDFC ERGO travel product. Do not assume that all benefits or geographical scopes are available for every traveller.
HDFC ERGO
Key Insights
Founded
2002
HDFC ERGO was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
97.9% CSR, calculated as a 3-year average
HDFC ERGO settles 97.9% of all claims it receives, demonstrating strong credibility.
Contact Details
022-62346234
Headquarters: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059, Maharashtra, India.
The wording describes Asia excluding Japan, worldwide, worldwide excluding USA and Canada, Europe including Schengen, and other specific geographical scopes where stated.
The selected scope must be recorded in the certificate of insurance.
Eligible medical expenses may be covered where the applicable policy benefit provides for them.
Confirm the selected sum insured, sub-limits, deductible and exclusions.
Emergency transportation or repatriation may be covered where included under the selected policy benefits.
Subject to policy definitions, assistance requirements and limits.
Specified travel-related events may qualify for benefits under the applicable wording.
Covered events and payout limits must be checked in the benefit schedule.
The published wording addresses single-trip and annual multi-trip policy types, as well as student travel policies.
Confirm which policy type is currently offered for the intended journey.
Choose an available geographical scope appropriate to the planned overseas journey.
This is a policy selection, not a guarantee of an additional benefit. Availability depends on the current quote.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
HDFC ERGO plans and claim process
Beyond Borders is an HDFC ERGO travel insurance product. Its applicable policy type, geographical scope and benefits must be confirmed from the current quote and certificate of insurance.
The published wording describes Asia excluding Japan, worldwide, worldwide excluding the USA and Canada, Europe including Schengen, and other specific geographical scopes where stated in the certificate.
Medical expenses may be covered under the applicable policy benefit. Check the selected sum insured, deductible, sub-limits and exclusions in the issued documents.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC ERGO website before purchasing.
Official Website
hdfcergo.com
Visit the official HDFC ERGO website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The published policy wording discusses single-trip policies. Confirm current product availability and eligibility with HDFC ERGO before purchasing.
Annual multi-trip policies are discussed in the published wording. Confirm whether this option is currently offered for your traveller profile and destination.
The premium depends on the current quote, destination, traveller details, duration, selected policy type and benefits. No fixed premium should be assumed without a quote.
The wording says coverage within India is not provided for single-trip, annual multi-trip and student travel policies unless expressly stated otherwise in the applicable terms.
The wording states that for a single-trip policy, the sum insured for benefits is reduced after a claim and is not replenished for that trip. Check the wording applicable to your policy type.
Visit https://www.hdfcergo.com/download/policy-wordings/travel and select Beyond Borders wording applicable to your policy period.