The term insurance helps the customers to protect their life as well as their family’s health. In this there is a guarantee of compensation for specific period and it is specially made to protect the wellbeing of individual, company or other entity in the case of unexpected loss. After agreeing to the term and conditions the insurance policy creates an agreement between the policy holder as well as insurance company. There are several types of insurance some of the types are health insurance, general insurance, accidental insurance etc.
The health insurance is that type of insurance which is incurred medical expenses among individuals. It is agreement between the insurance provider as well as the individual. The health insurance provides risk coverage against
This type of insurance also called as med claim policy which offers safety to the policy holder in case of unexpected medical emergencies.
TPA also called Third Party Alliance which is done with the help of third party and through which you get services. It is an important link between insurance company as well as the insured person.
Services offered by TPA for policyholder and health care provider
1. Cashless hospitalization: each policyholder is given a list of network hospital through which he/she can avail cashless hospitalization.
2. ID card: The TPA alliances offer the ID card in order to validate at the time of admission.
3. Claim: TPA administers & settles claims for hospitals & policyholders.
4. 24 hours support: TPA provides assistance through its 24 hrs call center information regarding policyholder’s data, provider network, claim status, benefits available with existing cardholder, etc is furnished on request.
These are the cashless services one should note down
Obtain a pre authorization form from TPA alliance before three to four days.
Pre authorization form to be filled by doctor
Check about the pre authorization form approval at the insurance helpdesk within next 24 hours.
You can avail cashless treatment at the hospital after the receipt of written authorization form TPA form to be covered
Leave all the original documents and get signed claim at the time of discharge
In case of any questions contact the local TPA office.
Make payment to the hospital for the expenditure over and above the TPA approved limit and for the treatment not covered under the package.