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Feeling unwell? You need not venture out for a medical check up. Unbelievable isn't it? Well if the soon to happen rules and regulations for insurance intermediaries fall in place, medical check ups will henceforth take place in the comforts of your home thanks to home care services.
Insurance intermediaries are the latest addition to the health insurance arena. Also referred to as Third Party Administrators (TPAs) this new breed will soon be tying up with insurers to provide home care services too among others. Third Party Administrators directly or indirectly, solicit or effect coverage of, underwrite, collect, charge premium from an insured, or adjust or settle claims in connection with health insurance. The health insurance market is pegged at Rs 500 crore.
And Mediclaim policyholders can expect services that have always remained a distant dream. TPAs will offer cost effective quality services and back-office facilities for processing claims. Besides high quality health care at low costs will happen. Also it will balance the cost of treatment with the need to provide more comprehensive health promotion and disease prevention.
Such a system would encourage appropriate treatment, discourage over-treatment, encourage preventive care, and promote cost containment and quality health care delivery. In other words tie up with TPAs is expected to make things easier. Those policyholders opting for health riders would be given preference over the others.
Also establishing a new operational system of linking the primary care with secondary and tertiary care, all under one management, is expected to happen in the near future which will save the patient several unnecessary visits to different doctors or practitioners as was the practise so far, other than saving on money.
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