This will depend on whether or not your health insurance has a co-payment clause. In this case, even with a cashless claim, you will have to pay the co-payment amount out of pocket. (For example, if co-payment is 10%, you will have to pay 10% at the time of discharge and the rest 90% will be cashless). But if your insurance doesn’t have a co-payment clause, you don’t need to pay anything from your pocket during cashless claims, as long as your hospital bill is less than your total sum insured available.