For Cashless claims, the company communicates directly with the network hospital you’re admitted in. Thus, in this scenario, you don't have to be concerned about missing any medical records.
However, for filing a reimbursement claim, there are two possibilities that might occur:
i) Documents that aren't required are missing: Your claim will still be processed fully.
ii) Documents that are required are missing. - Every 15 days, we will notify you about the missing papers, i.e. on the 15th, 30th, 45th, and 60th days. Due to the non-receipt of required papers, the claim will be denied after this last reminder.