New Delhi, Oct. 3 -- Frequent tussles between hospitals and insurers have made policyholders anxious about getting cashless approvals at the time of hospitalization.

At times, insurers suspend cashless coverage for certain hospitals or blacklist them; at other times, hospitals disallow cashless coverage for specific insurers. Even large chains like Max Hospitals have seen such stand-offs, with cashless unavailable for a few insurers' customers.

In such situations, policyholders may need to draw on their emergency funds for immediate expenses and later file for reimbursement. While the reimbursement process can seem complex, knowing the steps well can help avoid delays and ensure claims are settled smoothly.

The turnaround time (TAT) fo...