| How It Works | Insurance company settles bills directly with the hospital | You pay upfront and get reimbursed later |
| Hospitals Accepted | Only network (TPA empaneled) hospitals | Any hospital, including non-network |
| Claim Process | Simple, pre-approval required | Documentation submission after treatment |
| Cash Flow Impact | No immediate out-of-pocket expense | Requires upfront payment by insured |
| Claim Settlement Time | Usually faster | May take longer due to processing |
| Flexibility | Limited to network hospitals | More flexibility in hospital choice |
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