Being a foreign national in an alien country comes with its own set of challenges and difficulties. Besides the expected language and culture barrier, the most daunting task can be dealing with additional challenge of getting your claims processed, if an illness strikes. If you’re an expat residing in India, then the recent relaxation of IRDA rules that allow third party administrators (TPAs) to process health insurance / mediclaim claims for foreign nationals also would come as a welcome relief.
In India, as per rules the patients in India are supposed to approach TPAs to take care of not only their medical documentation but also other health related requirements. Essentially, they function as a vital link or bridge between a healthcare providers like hospitals, insurance company and the policy holder. TPA services are either outsourced or provided by a separate department of an insurance company from which you may have bought your health policy.
If there is a medical situation where you may have to rush to a hospital, then you must intimate your TPA immediately. This is because they will immediately direct you to a hospital under their ambit, which has cashless facility and may not require a lot of fuss of documentation etc, while addressing your problem.
• Claims will be handled in a more efficient manner thus saving time.
• Administrative costs will be scaled down & lower the cost of claim management.
• Cashless facilities will ease the burden on expat patients.
• TPAs run 24x7 and can be availed from any part of India.
• Unique identification numbers are issued on TPA ID cards to policy holders so that their claims are addressed in a more focused manner.
• TPAs have a panel of medical experts who can take decision on whether the ailment of the policy holder is covered in the policy.
• TPAs also reduce the cost of premiums.
• Some TPAs also top up facilities like taking care of ambulance services, specialised consultation.
• Additional services with TPAs will also take care of lifestyle management and wellbeing programmes.