This is a personal experience which I went through just a few days back. I am sharing my experience so that you can save some pain when you go through the same. Hope it helps!
I usually avail a cashless Mediclaim for all my health insurance claims for my family members and myself. However, the last time that my mother was hospitalized, we paid up the entire amount upfront and then claim for reimbursement. My mother had to undergo an operation which required only 24 hours of hospitalization, may have been even less. So cashless claims was a tough proposition – hence we went and paid the amount upfront
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