4. TPAs
TPAs are the middlemen in the healthcare delivery chain in insurance sector.
More information:
TPA stands for Third Party Administrator.
A TPA is an licensed (from IRDAI) body that processes insurance claims admissible under the mediclaim policy.
Generally, they are independent in nature. Some also belong to some private insurers.
They charge a fee for their fee. But, they also make a commission from the premiums insurance for health coverage. Sometimes, both.