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| ROLE OF TPA (Third Party Administrator) |
TPA is an abbreviation for Third Party Administrator. These companies are BPO of insurance companies
and are responsible for coordinating all aspects of claims arising due to health insurance policies.
These companies are licensed by IRDA (Insurance Regulatory & Development Authority) and are having
- Telecom facility generally with phone number starting with 1600 (toll free no.)
- Computer network having details of all policies holders.
- Medical specialists, for assessing need for hospitalization treatment being given in the hospital and for passing of the claim bills.
The role of TPA is to coordinate with hospitals with respect to treatment and alsopass the bills on behalf
of the insurance companies. The actual payment is made by the insurance company. As far as the legal contract
is concerned, it is between the insurance company and the person insured.
The individual insured will get an ID card issued by the TPA. This ID Card is useful and needed at the time
of hospitalization.
Interaction with TPA:
In Emergency:
In an emergency, the insured should be taken for treatment to any hospital to save his life. At the
earliest, it is the duty of the insured or his relative/friend to contct the Insurance Company and TPA on
phone/writing about the following:
Name of Patient
Policy No.
ID No.
Reason for hospitalization
As and when permitted by doctors the patient may have to be moved to appropriate TPA approved hospital.
The general thinking of TPA's is that treatment should not be in a very small hospital (less than 15 beds)
as the facilities may not be upto the mark.
In this case TPA may make direct payment to hospital, where patient was taken in emergency.
Or
TPA may ask you to make the payment to hospital and submit the bills for reimbursement. If after few days
patient is moved to TPA approved hospital then bill of that hospital will be paid by TPA directly.
Planned Treatment:
In the event of an insured going in for Hospitalization for planned treatment/surgery.
Let us assume the insured has to go for surgery after seven days in a specified hospital, where specialist
surgeon will perform the surger As it is a planned hospitalization therefore the insured should inform TPA on
phone / in writing
Name
Policy No.
ID No.
Name of the Doctor Treatment
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