The TPA concept took 15 years to come up though IRDAI approved the same long back in 2001. The benefit of TPA to the Insured has not improved any significantly except that the present TPA has just taken over only the fee part of the Insurer companies and to ensure that the claim gets reduced to the least. The facilities offered by them and to start with their 24X7 service to policy holders may kindly be seen. The vision statement states about eradication of fraudulent claims as if the health insurance industry was infested with this malaise in India. It says brightly about flashing I Card and about cashless treatment but it is equally silent why a payment under a covered illness will be postponed and it will be treated as a claim afterwards. At the time of discharge, the TPA will pay what it is supposed to pay and the rest will be borne by the patient. The introduction of pre-authorization approval has been made the monopoly of TPA which is wrong. It is just reaping the benefit of insurance without being responsible for it. IRDAI has a big role now.