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How do I know whether I have a refund or balance outstanding after my discharge?

If you have made payment during the stay and your insurer covers the bill in full, a refund cheque will be sent to you together with the final bill. On the other hand, if no or partial payment was made during the stay (depending on the eLOG amount), and the claim payout is insufficient to cover the bill in full, you would need to settle the balance outstanding.