Health insurance has became a dire need of the hour to fill the gap and help as a bridge in availing quality treatments and the obvious cost one has to bear as an individual for the same.In today's world where one can see Government bodies and NGOs working actively in achieving the goal of "HEALTH FOR ALL",the in congruency of cost for health care services still remains untamed.One still can face the heat of unchecked health costs at various levels,charges for all those hospital services which neither find any justifications nor any direct links towards actual medical expenses.One easily can find a big hole made into their pockets by the respective health care providers even when the perils of ailments are due to be followed.Hereby Health Insurance has emerged as a blessing in disguise.Health Insurance stands with you in the need of the hour at least as a sponsor to your treatment.Nowadays one can easily think of beating the inflated costs of treatment expenses through a long list of comprehensive health insurance plans as for an individual and as for a family as a whole.

The year 2000 can be seen as an year of revolution for health insurance in INDIA when the IRDA act actually came into force breaking the monopoly of GIC and allowing private players to enter into the arena for a better competition for letting the INSURED as a winner.Successively TPAs came into picture as an extended arm of these health insurance companies to provide an effective claims management under the IRDA guidelines.Since then health insurance companies are serving their varied sized clients through these TPAs.

The third party administrators better known as TPAs in general public are registered organisations contracted by the Insurance companies and having an expertise and capabilities to administer all or a portion of a claims process.It can be viewed as an outsourced agency alternatively as they are hired by the Insurance companies to handle the tasks of claims processing on their behalves.These TPAs also impanel various hospitals and health care providers with them to facilitate insured with Cashless treatment benefits.Actually cashless is really an alternative way of seeing the medical claims procedures where hospitals are actually reimbursed for the treatment bills of the insured by the insurance companies.The TPAs by far as possible formulate rate lists for various treatment modalities through their empanelled hospitals and thus contribute their active role in provision of affordable health care and thus"HEALTH FOR ALL".

Conclusively,there is always a scope of betterment in every perfection and TPAs has still to go a miles to establish themselves as better players in health care services in the eyes of the general masses.

"The woods are dark and deep..but i have promises to keep

A miles to go before i sleep...a miles to go before i sleep......"