The TPA concept was introduced in India in the year 2002, helping Industry cross premium of Rs.1000 Cr.ores. In FY 2002-03 Health premium in India increased to Rs. 1096 Crores registering a growth rate of 50.10% . The share of health insurance in 2002-03 was 7.67 of Industry premium of Rs.14272 Crores. The Health Premium has been steadily increasing. The increase in Health premium has contributed in Insurance penetration increasing to 1% from 0.7% levels . In FY 2022-23 health Insurance premium underwritten was Rs. 90667 Crores being 35.29% of Industry Premium. In Financial Year 2023-24 health premium is poised to cross Rs.1 Lac Crores . However there is need for focus on following areas to ensure proper servicing of Health Insurance Policy Holders:
1. Prompt grievances redressal mechanism to attend escalation in Cashless deductions & denials
2. Trained manpower to service health insurance claims.
3. Mechanism to identify and prevent the leakages & frauds .
4. Maintaining affordability of Health Insurance Premium particularly for Senior Citizens.