How do I check my HDFC Ergo claim status?

Use the claim status page on hdfcergo.com, the Here app or the helpline 022-6158-2020 (charged). These are HDFC Ergo's own channels, taken from its website.

What do I need to check my HDFC Ergo claim status?

Keep your claim or intimation number and your policy number ready. The patient's name and date of birth, as on the policy, also help.

How long can HDFC Ergo take to settle my claim?

IRDAI's limits apply to every insurer. A cashless request must be decided within one hour and final discharge authorised within three hours. A reimbursement claim must be settled within 15 days of submission, or the insurer pays interest at bank rate plus 2%.

What does query raised mean on my claim?

The insurer or TPA wants more information or a document before it decides. Send exactly what the query asks for, in writing, and keep proof of the date. IRDAI's 2024 master circular says no claim shall be rejected or closed for want of documents or for delayed intimation.

Is superclaim part of HDFC Ergo?

No. superclaim is not HDFC Ergo and cannot see or change your claim. For your claim status, use HDFC Ergo's official channels. A person at superclaim can explain a status or a query letter if you send it on WhatsApp.

HDFC Ergo claim status: how to check it, and what each status means

superclaim is not HDFC Ergo; for your claim status, the official channels are the ones below, taken from hdfcergo.com. We cannot see or change your claim on the insurer's systems.

HDFC Ergo's official channels

Claim status pagehdfcergo.com/claim/track-health-insurance-claimOfficial page to track a health insurance claimFrom hdfcergo.com/claim/track-health-insurance-claim, checked 28 Sep 2026
AppHere appHDFC ERGO customer app; the app page says claims can be tracked in itFrom hdfcergo.com/health-insurance/here-app, checked 28 Sep 2026
WhatsApp8169500500WhatsApp for policy servicing and supportFrom hdfcergo.com/customer-voice/customer-care and hdfcergo.com/customer-voice/grievances, checked 28 Sep 2026
Phone022-6158-2020Service line for claims, renewals or existing policy queries (Mumbai landline, not toll-free)From hdfcergo.com/customer-voice/customer-care, checked 28 Sep 2026
Phone18002677444Toll-free grievance line (Level 1), Mon to Sat, 9 AM to 6 PMFrom hdfcergo.com/customer-voice/grievances, checked 28 Sep 2026
Phone022 6158 2026Dedicated desk for senior citizens and persons with disabilities (Mumbai landline, not toll-free)From hdfcergo.com/customer-voice/grievances, checked 28 Sep 2026
Email[email protected]Health claim issuesFrom hdfcergo.com/customer-voice/customer-care, checked 28 Sep 2026
Email[email protected]Customer issues (general)From hdfcergo.com/customer-voice/customer-care, checked 28 Sep 2026
Email[email protected]Senior citizens and persons with disabilities deskFrom hdfcergo.com/customer-voice/grievances, checked 28 Sep 2026
Claim formhdfcergo.com/download/claim-formDownload Claim Forms page (Health tab)From hdfcergo.com/download/claim-form, checked 28 Sep 2026
Claim form (PDF on the insurer's site)customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/do...Hospitalization Claim Form (generic, to be filled by the insured)From hdfcergo.com/download/claim-form, checked 28 Sep 2026
Claim form (PDF on the insurer's site)customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/do...my: Optima Secure claim form (Part A and Part B)From hdfcergo.com/download/claim-form, checked 28 Sep 2026

We list only channels we could read on HDFC Ergo's own website.

HDFC Ergo's website names the company as HDFC ERGO General Insurance Company Limited (hdfcergo.com/claim/track-health-insurance-claim, checked 28 Sep 2026).

How to check it, step by step

Keep your numbers ready. Find your claim or intimation number and your policy number. The claim number comes when the claim is logged; the policy number is on your schedule and health card.
Open the official claim status page. Go to HDFC Ergo's own claim status page at hdfcergo.com/claim/track-health-insurance-claim. Check the address before you type anything.
Enter what it asks for. Enter the claim details the page asks for, exactly as they appear on your letters.
Read the status and act on it. Match the status to the table below. If there is a query, answer it in writing and keep proof of the date.

What you need to hand

Claim or intimation number. Given when the claim is logged, and printed on authorisation and query letters.
Policy number. On your policy schedule and your health card or e-card.
The patient's details as on the policy. Name and date of birth, spelled the same way.

What each status means

IntimatedThe insurer or its TPA has logged the claim and given it a number.
Under processThe claim is being read: the hospital's cashless request, or your reimbursement file.1 hour for the insurer to decide on a cashless request
Query raisedThe insurer or TPA wants more information or a document before it decides.
Approved or settledCashless: an amount is authorised. Reimbursement: the insurer has paid, or is paying, the amount shown.3 hours for final authorisation at discharge, after the hospital asks15 days to settle a reimbursement claim, from when you submit it
Rejected or partly settledThe insurer is paying nothing, or less than you claimed.14 days for the insurer to resolve your written complaint

The words on your tracker may differ; the stage is the same.
Status	What it means	What to do
Intimated	The insurer or its TPA has logged the claim and given it a number.	Note the claim or intimation number. Every follow-up needs it.
Under process	The claim is being read: the hospital's cashless request, or your reimbursement file.	For cashless, ask the hospital desk what time it sent the request. The clock runs from receipt.
Query raised	The insurer or TPA wants more information or a document before it decides.	Read the query letter, send exactly what it asks for in writing, and keep proof of the date you sent it.
Approved or settled	Cashless: an amount is authorised. Reimbursement: the insurer has paid, or is paying, the amount shown.	Check the amount against your bill. Any cut must name the policy term behind it.
Rejected or partly settled	The insurer is paying nothing, or less than you claimed.	Ask for the specific policy clause relied on, then write to the insurer's grievance officer.

The IRDAI time limits

These limits come from IRDAI and apply to every insurer, HDFC Ergo included. Your policy wording may show older timelines; the 2024 master circulars are the current IRDAI position.

1 hourfor the insurer to decide on a cashless request
3 hoursfor final authorisation at discharge, after the hospital asks
15 daysto settle a reimbursement claim, from when you submit it
14 daysfor the insurer to resolve your written complaint

What	Limit	Source
For the insurer to decide on a cashless request	1 hour	Master Circular on Health Insurance Business, 29 May 2024, para 15(b)
For final authorisation at discharge, after the hospital asks	3 hours	Master Circular on Health Insurance Business, 29 May 2024, para 16(a)
To settle a reimbursement claim, from when you submit it	15 days	Master Circular on Protection of Policyholders' Interests, 5 September 2024
For the insurer to resolve your written complaint	14 days	Master Circular on Protection of Policyholders' Interests, 5 September 2024
If a claim is paid late	Interest at bank rate plus 2%	Master Circular on Protection of Policyholders' Interests, 5 September 2024

What HDFC Ergo's own pages say

Telling the insurer about a stay. Reimbursement claim page: Planned treatment: at least 48 hours before; emergency: within 24 hours (for reimbursement claims, from 15 April 2023) From hdfcergo.com/claim/track-health-insurance-cla..., checked 28 Sep 2026
Documents it lists. Reimbursement document checklist page: Signed claim form with policy number, original discharge summary, original final bill with breakup and payment receipt, pharmacy invoices with prescriptions, original investigation reports, implant sticker or invoice if used, past treatment papers, MLC or FIR for accidents, cancelled cheque or attested passbook for NEFT, KYC form and one KYC document for claims of 1 lakh or more From hdfcergo.com/claim/track-health-insurance-cla..., checked 28 Sep 2026

These are from HDFC Ergo's website. Your policy wording sets your deadline; if the two differ, follow the shorter one.

If the claim is stuck, cut or rejected

Write to the insurer's grievance officer with your policy and claim numbers. The insurer must resolve it within 14 days.
Register it on IRDAI's Bima Bharosa portal at bimabharosa.irdai.gov.in if you want it tracked. This step is optional.
Go to the Insurance Ombudsman within one year if the insurer rejects your complaint, does not reply within a month, or replies in a way you do not accept.

The full steps are in our guide to what to do when a claim is rejected or cut.

How superclaim helps

Send us the status, the query letter or the settlement letter on WhatsApp. A person reads it, explains it in plain words, and tells you what the insurer is asking for and what to send back. We do not replace the insurer's channels, and we never ask for an OTP, card or bank details.