The correct answer is: B. Emergency hospitalization
A pre-authorization is a requirement for availing cashless facility in most cases. However, in case of emergency hospitalization, a pre-authorization is not required. This is because emergency hospitalization is a medical emergency and the patient needs to be treated immediately. A pre-authorization can take time to process, which can delay the treatment of the patient. Therefore, in case of emergency hospitalization, the patient can avail cashless facility without a pre-authorization.
Option A is incorrect because even if the hospitalization is to a non-network hospital, a pre-authorization is required in most cases. However, there are some exceptions to this rule. For example, some insurers allow cashless facility at non-network hospitals in case of emergency hospitalization.
Option C is incorrect because both A and B are not correct. A pre-authorization is required in most cases, except in case of emergency hospitalization.
Option D is incorrect because both A and B are incorrect. A pre-authorization is required in most cases, except in case of emergency hospitalization.