Ans: In the case of cashless claims, you need to inform your insurer about your hospitalization within the stipulated time frame. Once the baby is born and you are discharged, the insurer will settle the claim amount with your network hospital In case of reimbursement claims, notify your insurer before hospitalization, pay the hospital bills during discharge and submit required documents like hospital bills to the insurance company. Your insurer will verify all the documents and pay you the claim amount.